Best Rewards Checking Accounts for January 2025

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best rewards checking accounts for January 2025. Our picks offer cash-back rewards, bonuses, or high rates at banks and credit unions.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.When you think of bank accounts that offer the best bang for your buck, your mind might jump to a savings account. However, a rewards checking account can work just as hard for you as a savings account can.Compare checking accounts that offer rewards on debit card purchases, high interest rates, or both. APYs (Annual Percentage Yields) are accurate as of 01/17/2025.Business Insider's personal finance team looked at over three dozen financial institutions to find the best banks for rewards checking accounts. Learn more about our top picks, below.Here are our top picks for the best checking accounts with rewards.Our top rewards checking accounts come from online banks, credit unions, and brick-and-mortar banks, so you have different types of institutions to explore.These accounts are also strong options for general banking because they have low minimum opening requirements and are widely accessible regardless of where you live in the United States. All of our top picks, with the exception of Chase Total Checking®, have no monthly service fees.SoFi Checking and Savings is an excellent option if you're for a well-rounded checking account that offers interest and a cash bonus.SoFi® lets you earn up to 4.00% APY on savings balances if you set up a direct deposit or deposit minimum $5,000 per month and 0.50% APY on checking balances.The bank is also offering a checking account bonus of up to $300 with qualifying direct deposit for eligible customers (offer expires 01/31/26, terms apply). You may qualify for the bonus as long as you're a new SoFi Checking and Savings customer, or an existing SoFi Checking and Savings customer who hasn't set up direct deposit yet.The account works best if you set up a direct deposit or deposit minimum $5,000 per month. That way, you'll qualify for a $300 cash bonus and the highest-tier interest rate. If you don't set up direct deposit or deposit minimum $5,000 per month, you'll only get 1.20% APY on checking balances.Monthly fee: no monthly service feeSoFi Checking ReviewThe Discover® Cashback Debit Account is our top pick for earning cash back on debit card purchases. You can earn 1% cash back on up to $3,000 in debit card purchases per month.This account also stands out from other cash-back checking accounts because it's well-rounded. For instance, you won't have to worry about monthly service fees or overdrafts. There are multiple overdraft protection services so that transactions can be processed instead of declined. You can also make free cash deposits at Walmart stores by using a debit card.You might prefer a different rewards checking account if you often use ATMs. You can use MoneyPass or AllPoint ATMs without being charged fees, but the bank doesn't reimburse out-of-network ATM fees like some of our other top picks.Monthly fee: no monthly service feeDiscover Bank ReviewAxos Bank Rewards Checking offers a competitive interest rate. You can earn up to 3.30% APYon balances up to $50,000. Balances above this amount do not earn interest, though.To qualify for the highest APY, you must complete the following: Monthly fee: no monthly service feeAxos Bank ReviewChase Total Checking is a great option if you're looking for a cash bonus on a checking account that's easy to qualify for. While other bank account bonuses require minimum balance requirements or multiple steps, has simple and straightforward criteria to get a Chase Total Checking® cash bonus.Here are the steps required to earn the cash bonus:Chase Total Checking has a $12 monthly service fee that you'll need to be mindful of. To waive the monthly service fee, you'll need to meet one of the following requirements each month: receive a direct deposit of $500 or more; have a daily account balance of $1,500 or more; or have an average daily balance of $5,000 or more across your Chase accounts.Chase also has other checking accounts with higher cash bonuses, although they aren't as easy to qualify for. Our best bank account bonuses guide explains the requirements needed to earn each bonus.Monthly fee: $12 monthly service feeChase Checking Accounts ReviewThe Consumers Credit Union Free Rewards Checking Account lets you earn up to 5.00% APY on the first $10,000 in your account. Consumers Credit Union (federally insured by NCUA) also pays unlimited refunds on fees charged by out-of-network ATM providers.Here are the APY tiers:You need a Consumers Credit Union credit card to earn the maximum interest rate, and if you don't meet any of the qualifications listed, you'll only earn 0.01% APY.One of the main differences between banks and credit unions is that you must meet certain qualifications to join a credit union, such as living in specific US states, working for a given company, or having a family member who is already a member. At Consumers Credit Union, you have to pay a one-time fee of $5 to the Consumers Cooperative Association and open a savings account.Monthly fee: no monthly service feeConsumers Credit Union ReviewMany of the best checking accounts earn rewards features. Below we've listed our picks for the best rewards checking accounts. For example, we have top picks for earning cash back, a sign-up bonus, and interest.All of the financial institutions on our list are protected by FDIC or NCUA insurance. Money is safe at a federally insured financial institution. When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account.We review the ethics of each company so you can get a better understanding of the bank's trustworthiness.We also include the settlement history of the last three years so you're aware of any recent public controversies involving the bank.The Better Business Bureau rates businesses to see if they handle business practices well, have honest advertising, and respond effectively to customer complaints.Here are the BBB ratings for all of our other top picks:A good BBB grade won't guarantee that your relationship with the bank will be great. Make sure to also get other people's perspectives and reviews.Chase has been involved in a few public controversies.In 2023, JP Morgan Chase was required to pay$75 million in a settlement with the U.S. Virgin Islands that accused the financial institution of failing to report suspicious activity regarding Jeffrey Epstein's sex trafficking operation.In 2021, JP Morgan Chase & Co. paid the SEC $125 million in a settlement that stated the company did not have proper record-keeping for certain documents. JP Morgan Chase also paid the Commodity Futures Trading Commission$75 million in a settlement when accused of permitting unapproved communication, such as text messages and WhatsApp messages.SoFi has also been involved in a recent public controversy. In 2021, the Security and Exchange Commission required SoFi Wealth to pay $300,000 in a settlement that stated the bank failed to tell SoFi customers of a conflict of interest when it put account holders' assets into SoFi ETFs instead of third-party ETFs.Discover Bank has had one recent lawsuit, too. In 2024,Discover settled a class action lawsuit from DACA recipients. The lawsuit said that Discover unlawfully denied DACA recipients loans because of their immigration status. Discover will pay $979,500 as part of the settlement. Discover does not admit wrongdoing by settling, and it maintains that it complied with the law.Selecting the right type of checking account can make a difference in your overall banking experience. If you want to earn cash back, a competitive interest rate, or a cash bonus, you might like a rewards checking account.For example, if you have a high-interest checking account, you may need to maintain a certain amount of money in your account to get the highest APY. Meanwhile, if you open a checking account with a bonus, you might have to set up a direct deposit or make a specific amount of debit card transactions. Usually, if you don't meet the requirements for a specific month, you won't be able to get the reward.The primary benefit of using a rewards checking account is that you get to earn rewards for things that you may already be doing. For example, if you already use your debit card regularly or maintain a certain average daily balance, you can find many rewards checking accounts that offer perks for regularly performing these tasks.Furthermore, if your rewards checking account requires you to keep a certain amount of money in your account at all times, that could be a good habit for your overall money management. You won't likely overdraw from your account, so overdraft fees and non-sufficient funds fees won't be an issue.Before you open a rewards checking account, bear in mind that these accounts usually have limitations. Banks will often cap reward earnings so you can only earn a certain amount.For example, if you have a cash-back checking account, banks often set a monthly or annual limit for the total amount you earn in cash back. Meanwhile, for high-interest checking accounts, you might see accounts with tiered interest rates, meaning the rate will be lower for specific account balances and higher for others.You also have to ensure you can regularly meet the requirements for a rewards checking account. When you don't meet certain monthly requirements, you usually won't earn the reward.Here are a few tips to help you choose a rewards checking account that fits your financial needs.Compare checking account offers from our partners. Each account offers cashback rewards on purchases, a high APY, or a combination of the two.Earn $400 for opening a new Truist One Checking account online using code AFL2425TR1400 and completing qualifying activities (offer expires April 30, 2025)$12 monthly services feeNone$50Earn $400 for opening a new Truist One Checking account online using code AFL2425TR1400 and completing qualifying activities (offer expires April 30, 2025)No monthly service feeup to 4.00%$0Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 01/31/26. Earn up to 4.00% APY on savings balances (including Vaults) with direct deposit or qualifying deposits.Earn up to 2% cash back on purchases. Add a Performance Savings account to earn up to 4.14% APY on saving balances.No monthly service feeup to 4.14% APY on saving balances$0Earn up to 2% cash back on purchases. Add a Performance Savings account to earn up to 4.14% APY on saving balances.Earn cash back rewards with no fees. Start earning 1% cash back today (see website for details).No monthly service feeNone$0Earn 1% cash back on up on up to $3,000 per month in eligible debit card purchases (See website for details).A rewards checking account is a type of checking account that offers perks such as cash back, a high APY, or a bank account bonus. Typically, you have to meet certain qualifications to receive a reward.To earn rewards on a rewards checking account, you'll need to fufill a list of monthly requirements. You might need to make a certain amount of debit card transactions, maintain a daily average balance, or receive a qualifying amount of direct deposits to get a reward.Rewards checking accounts can still have common bank fees. Some fees to look out for include monthly service fees, overdraft fees, and out-of-network ATM fees.A cash-back checking account will allow you to earn cash back on debit card purchases.Yes, interest-earning checking accounts have variable interest rates. The annual percentage yield (APY) of a high-interest checking account can change at any time.We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best checking accounts for your needs.Here's what they had to say about checking accounts. (Some text may be lightly edited for clarity.)What should you look for in a checking account?Roger Ma, CFP® professional and author of \"Work Your Money, Not Your Life\":\"I would look at the ATM branch locations and then minimum balance amounts to not incur a monthly fee … I think there's other stuff that could make life easier, whether it's free checks, online bill pay, are they in the Zelle network?\"Sophia Acevedo, banking editor, Business Insider:\"I would for a checking account that either doesn't have any monthly services fees or offers multiple ways to waive the fee. I would also look at customer support availability and mobile app ratings.\"How can someone determine if a bank is a good match?Tania Brown, CFP® professional and vice president of coaching strategy at OfColor:\"Obviously, you want to make sure it's FDIC insured. Also, your banking experience — do you like walking into a bank? Well, then you need someone local. Do you just not care if you ever see your bank? Then you're okay online. Do you write checks? Do you not write checks? So it's thinking through how your experience with it is going to be before you make that decision.\"Mykail James, MBA, certified financial education instructor, BoujieBudgets.com:\"The No. 1 thing about a checking account is you should know what provider the debit card is coming from. And a lot of people don't think about that, because there are places that don't accept MasterCard or don't accept an Amex.\"How should someone decide whether to choose a rewards checking account with a high APY, cash sign-up bonus, or cash back?Tania Brown, CFP® professional:\"I have checking accounts with all the above, because I use checking accounts for different purposes. I would tell someone, think through the experience of how you're going to use it. So I have my account strictly for bills and I don't attach a debit card to that. Well, I'm not going to get a lot of cash rewards out of that, because I rarely use that debit card, but I keep a pretty decent balance. So that one I use in particular for interest. I have a spending checking account. That one, I don't care if the balance is zero, the money that goes in there, I expect for it to go out. But because I use that often, that is the one I attached to a cash reward. And then I have another one that I use just for travel, and I actually have a travel reward attached to that one.\"Roger Ma, CFP® professional\"I think if you're someone who is responsible with credit, then instead of focusing on a checking account that rewards you, look to a credit card that rewards you for the areas where you spend money. I wouldn't recommend people waste their time with a rewards checking account. Get the fundamentals right with fewer checking or savings accounts, and then start to move toward using a credit card to build your credit.\"Our Methodology for the Best Rewards Checking AccountsWe reviewed over 200 checking accounts to find the best ones that offered rewards. First, we looked through our list to see which ones had special perks, like cash-back rewards, bonuses, and interest. Then, we looked at the reward offered by a checking account — such as a high APY or sign-up bonus — but we also considered how easy or difficult it is to receive a reward. And we considered other factors that make a checking account strong or weak, including opening deposits, monthly fees, and ATM accessibility.See our full banking methodology to see how we rate checking accounts.","articleSection":"Personal Finance, Banking, Checking Account","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is a rewards checking account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A rewards checking account is a type of checking account that offers perks such as cash back, a high APY, or a bank account bonus. 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Some fees to look out for include monthly service fees, overdraft fees, and out-of-network <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/bank-atm-fees\" data-analytics-product-module=\"body_link\" rel=\"\">ATM fees</a>.</p>"}},{"@type":"Question","name":"What is a cash-back checking account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A cash-back checking account will allow you to earn cash back on debit card purchases.</p>"}},{"@type":"Question","name":"Can rewards checking account rates change?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, interest-earning checking accounts have variable interest rates. The <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/what-is-apy\" data-analytics-product-module=\"body_link\" rel=\"\">annual percentage yield</a> (APY) of a high-interest checking account can change at any time.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking","name":"Banking"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/checking-account","name":"Checking Account"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking/best-rewards-checking-accounts","name":"Best Rewards Checking Accounts for January 2025"}}]} </script> 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main-animation{25%{padding-bottom:var(--main-animation-width-1);padding-top:var(--main-animation-width-1)}50%{padding-bottom:var(--main-animation-width-2);padding-top:var(--main-animation-width-2)}75%{padding-bottom:var(--main-animation-width-3);padding-top:var(--main-animation-width-3)}90%{padding-bottom:var(--main-animation-width-4);padding-top:var(--main-animation-width-4)}to{padding-bottom:var(--main-animation-width-5);padding-top:var(--main-animation-width-5)}}@media (min-width:0)and (max-width:599px){.v1-masthead.as-homepage .user-greeting{margin-bottom:22px}}@media (min-width:600px){.v1-masthead .main-section{padding-bottom:12px;padding-top:12px}.v1-masthead .logo-inline{max-width:unset;width:364px}.v1-masthead.as-homepage .bottom-section{margin-bottom:-24px;padding-bottom:40px}.v1-masthead.as-homepage .logo-inline{height:28px;width:auto}}@media (min-width:1003px)and (max-width:1128px){.v1-masthead section.with-grid-lines,.v1-masthead.as-homepage 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.app-store-icon{align-items:center;display:flex;height:44px;width:109px}.v1-footer .brands-label{display:none}.v1-footer .social{align-items:center;display:flex;gap:var(--grid-row-gap);justify-content:space-between}.v1-footer .links-section{display:flex;flex-direction:column;row-gap:var(--grid-row-gap)}.v1-footer .links-section .links-list-heading{margin-bottom:8px}.v1-footer .links-section .links-list-link{display:flex;justify-content:center;min-width:44px;padding:14px 0}.v1-footer .links-section .links-list{display:flex;flex-wrap:wrap;list-style:none;margin:0;overflow:hidden;padding:0;--grid-row-gap:0;column-gap:var(--grid-col-gap);row-gap:var(--grid-row-gap)}.v1-footer .links-section .links-list li{align-items:center;display:flex;margin:0 -12px 0 0;padding:0 12px 0 0;position:relative;white-space:nowrap}.v1-footer .links-section .links-list li:before{background-image:linear-gradient(180deg,#71717a 25%,hsla(0,0%,100%,0) 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class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-12-27T22:41:28Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-12-27T22:41:28Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-load-strategy="interaction" data-location="" > <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Rewards Checking Accounts </a> </li> <li> <a href="#rewards-checking-account-reviews" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rewards Checking Account Reviews </a> </li> <li> <a href="#how-rewards-checking-accounts-work" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Rewards Checking Accounts Work </a> </li> <li> <a href="#benefits-of-using-rewards-checking" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits of Using Rewards Checking </a> </li> <li> <a href="#compare-rewards-checking-accounts" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare Rewards Checking Accounts </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/banking/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate banking products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>When you think of bank accounts that offer the best bang for your buck, your mind might jump to a savings account. However, a rewards checking account can work just as hard for you as a savings account can.</p> <aside class="quick-tip headline-regular ignore-typography"> <h4 id="fb6f1f38-91dd-446c-be56-5abd9568563b" data-toc-id="fb6f1f38-91dd-446c-be56-5abd9568563b"><strong>Featured Rewards Checking Account Offers</strong></h4><p>Compare checking accounts that offer rewards on debit card purchases, high interest rates, or both. APYs (Annual Percentage Yields) are accurate as of 01/17/2025.</p><ul><li><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65f318fc29f5f393d7f73bfe" data-analytics-product-brand="Featured Checking Offer - Position 4" data-analytics-product-name="Featured Offer - Truist One Checking" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=7d2fc5d447131096d362a3040c190f72450fb27daf035ea92d0e920e2c3f12ce&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Db-b-t-checking%26targeting%5Bqualifier%5D%3D" data-am-orig-url="https://affiliate.insider.com/?h=7d2fc5d447131096d362a3040c190f72450fb27daf035ea92d0e920e2c3f12ce&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Db-b-t-checking%26targeting%5Bqualifier%5D%3D">Truist One Checking</a>: Earn $400 for opening a new Truist One Checking account online using code AFL2425TR1400 and completing qualifying activities (offer expires April 30, 2025)</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65f31adfc4711962135e24cc" data-analytics-product-brand="Featured Checking Offer - Position 2" data-analytics-product-name="Featured Offer - SoFi® Checking and Savings (Member FDIC)" href="https://secure.money.com/pr/ed5b67834c89">SoFi® Checking and Savings (Member FDIC)</a>: Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 01/31/26. Earn up to 4.00% APY on savings balances (including Vaults) with direct deposit or qualifying deposits.</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65f318b9eed8f3fdee874e55" data-analytics-product-brand="Featured Checking Offer - Position 1" data-analytics-product-name="Featured Offer - Upgrade Rewards Checking Plus and Performance Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/e89107cb-76d4-4009-acc4-b9acf6b879eb">Upgrade Rewards Checking Plus and Performance Savings</a>: Earn up to 2% cash back on purchases. Add a Performance Savings account to earn up to 4.14% APY on saving balances.</li><li><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65f3198829f5f393d7f73bff" data-analytics-product-brand="Featured Checking Offer - Position 3" data-analytics-product-name="Featured Offer - Discover® Cashback Debit Account" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D" data-am-orig-url="https://affiliate.insider.com/?h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D">Discover® Cashback Debit Account</a>: Earn 1% cash back on up on up to $3,000 per month in eligible debit card purchases (See website for details).</li></ul> </aside> <p>Business Insider's personal finance team looked at over three dozen financial institutions to find the best banks for rewards checking accounts. Learn more about our top picks, below.</p><h2 id="best-rewards-checking-accounts" data-toc-id="ed133679-6847-4b8c-a3e6-f5f6b0a915f1" data-toc-label="Best Rewards Checking Accounts" class="toc-anchor">Best Rewards Checking Accounts</h2><p>Here are our top picks for the <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-analytics-product-module="body_link" rel="">best checking accounts</a> with rewards.</p><ul><li>Best overall for rewards perks: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" href="https://secure.money.com/pr/ed5b67834c89">SoFi® Checking and Savings (Member FDIC)</a></li><li>Best for cash-back rewards:<a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ed11cb6f0f4196b766ab0ee" data-analytics-product-brand="Discover®" data-analytics-product-name="Discover® Cashback Debit Account" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D" data-am-orig-url="https://affiliate.insider.com/?h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D">Discover® Cashback Debit Account</a></li><li>Best for a high interest rate: <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ec82f7e3f73707f8a439596" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Rewards Checking" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fwww.jdoqocy.com%2Fclick-101063856-16992124" data-am-orig-url="https://affiliate.insider.com/?h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&u=https%3A%2F%2Fwww.jdoqocy.com%2Fclick-101063856-16992124">Axos Bank Rewards Checking</a></li><li>Best for a welcome bonus: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ec800d3988ee36fe76d4944" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Total Checking®" href="https://www.businessinsider.com/personal-finance/chase-checking-bridge">Chase Total Checking®</a></li><li>Best for credit unions: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ee3a8df1918242ebc45804d" data-analytics-product-brand="Consumers Credit Union" data-analytics-product-name="Consumers Credit Union Free Rewards Checking Account" href="https://www.businessinsider.com/personal-finance/banking/consumers-credit-union-review">Consumers Credit Union Free Rewards Checking Account</a></li></ul><h2 id="rewards-checking-account-reviews" data-toc-id="1fac2027-7aef-471f-a3cd-0660c6b03cb1" data-toc-label="Rewards Checking Account Reviews" class="toc-anchor">Rewards Checking Account Reviews</h2><p>Our top rewards checking accounts come from online banks, credit unions, and brick-and-mortar banks, so you have different types of institutions to explore.</p><p>These accounts are also strong options for general banking because they have low minimum opening requirements and are widely accessible regardless of where you live in the United States. All of our top picks, with the exception of Chase Total Checking®, have no monthly service fees.</p><h3 id="bc7deca3-9b1d-4a0f-ad04-19b872b61fae" data-toc-id="bc7deca3-9b1d-4a0f-ad04-19b872b61fae">Best Overall: SoFi Checking and Savings</h3><p>SoFi Checking and Savings is an excellent option if you're for a well-rounded checking account that offers interest and a cash bonus.</p><p>SoFi® lets you earn up to 4.00% APY on savings balances if you set up a direct deposit or deposit minimum $5,000 per month and 0.50% APY on checking balances.</p><p>The bank is also offering a checking account bonus of up to $300 with qualifying direct deposit for eligible customers (offer expires 01/31/26, terms apply). You may qualify for the bonus as long as you're a new SoFi Checking and Savings customer, or an existing SoFi Checking and Savings customer who hasn't set up direct deposit yet.</p><p>The account works best if you set up a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/direct-deposit" data-analytics-product-module="body_link" rel="">direct deposit</a> or deposit minimum $5,000 per month. That way, you'll qualify for a $300 cash bonus and the highest-tier interest rate. If you don't set up direct deposit or deposit minimum $5,000 per month, you'll only get 1.20% APY on checking balances.</p><p><strong>Monthly fee:</strong> no monthly service fee</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/sofi-checking-savings-review" data-analytics-product-module="body_link" rel=""><em>SoFi Checking Review</em></a></p><h3 id="d1419408-47cb-4c29-a114-c6f391862420" data-toc-id="d1419408-47cb-4c29-a114-c6f391862420"><strong>Best for Cash-Back Rewards: Discover Cashback Debit Account</strong></h3><p>The <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="body_link" data-analytics-product-id="5ed11cb6f0f4196b766ab0ee" data-analytics-product-brand="Discover®" data-analytics-product-name="Discover® Cashback Debit Account" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D" data-am-orig-url="https://affiliate.insider.com/?h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D">Discover® Cashback Debit Account</a> is our top pick for earning cash back on debit card purchases. You can earn 1% cash back on up to $3,000 in debit card purchases per month.</p><p>This account also stands out from other cash-back checking accounts because it's well-rounded. For instance, you won't have to worry about monthly service fees or overdrafts. There are multiple <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/what-is-overdraft-protection" data-analytics-product-module="body_link" rel="">overdraft protection</a> services so that transactions can be processed instead of declined. You can also make free cash deposits at Walmart stores by using a debit card.</p><p>You might prefer a different rewards checking account if you often use ATMs. You can use MoneyPass or AllPoint ATMs without being charged fees, but the bank doesn't reimburse out-of-network ATM fees like some of our other top picks.</p><p><strong>Monthly fee: </strong>no monthly service fee</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/discover-bank-review" data-analytics-product-module="body_link" rel=""><em>Discover Bank Review</em></a></p><h3 id="e1edae39-09ac-450e-868d-df801c940fed" data-toc-id="e1edae39-09ac-450e-868d-df801c940fed">Best for a High Interest Rate: <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ec82f7e3f73707f8a439596" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Rewards Checking" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fwww.jdoqocy.com%2Fclick-101063856-16992124" data-am-orig-url="https://affiliate.insider.com/?h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&u=https%3A%2F%2Fwww.jdoqocy.com%2Fclick-101063856-16992124">Axos Bank Rewards Checking</a></h3><p>Axos Bank Rewards Checking offers a competitive interest rate. You can earn up to 3.30% APYon balances up to $50,000. Balances above this amount do not earn interest, though.</p><p>To qualify for the highest APY, you must complete the following: </p><ul><li>Earn 0.40% APY (Annual Percentage Yield) when you receive at least $1,500 in direct deposits in a month. You have to meet this requirement to be able to earn any additional interest.</li><li>Earn 0.30% APY when you make 10 debit card transactions in a month (minimum $3 per transaction) or you need to sign up for Account Aggregation/Personal Finance Manager.</li><li>Earn 0.99% APY if you keep at least a daily average of $2,500 in an <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="62ffc6850e35f0001119670f" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Invest Managed Portfolios" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=0b2f45eaf057bb203f65adc0a28f52a6cf505f086f1b662e9d47eb8dd6a93f49&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Doy9GXV3IvUc%26offerid%3D1099945.105%26type%3D3%26subid%3D0" data-am-orig-url="https://affiliate.insider.com/?h=0b2f45eaf057bb203f65adc0a28f52a6cf505f086f1b662e9d47eb8dd6a93f49&u=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Doy9GXV3IvUc%26offerid%3D1099945.105%26type%3D3%26subid%3D0">Axos Invest Managed Portfolios</a>Account monthly.</li><li>Earn 0.99% APY if you keep at least a daily average of $2,500 in an <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="62fe3c197327c4001189f793" data-analytics-product-brand="Axos Invest" data-analytics-product-name="Axos Self-Directed Trading" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=c53b7c8116fc5452bacdc7a978a6ba3c8d21a18f2444b5a53954b42d3b56370e&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Doy9GXV3IvUc%26offerid%3D1099945.109%26type%3D3%26subid%3D0" data-am-orig-url="https://affiliate.insider.com/?h=c53b7c8116fc5452bacdc7a978a6ba3c8d21a18f2444b5a53954b42d3b56370e&u=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Doy9GXV3IvUc%26offerid%3D1099945.109%26type%3D3%26subid%3D0">Axos Self-Directed Trading</a> Account monthly.</li><li>Earn 0.60% APY if you make a monthly Axos consumer loan payment with your Reward Checking account</li></ul><p><strong>Monthly fee: </strong>no monthly service fee</p><p><a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/axos-bank-review" data-analytics-product-module="body_link"><em>Axos Bank Review</em></a></p><h3 id="a34cc6e3-1aca-4597-ba45-1ff18708557c" data-toc-id="a34cc6e3-1aca-4597-ba45-1ff18708557c">Best for a Welcome Bonus: Chase Total Checking®</h3><p>Chase Total Checking is a great option if you're looking for a cash bonus on a checking account that's easy to qualify for. While other bank account bonuses require minimum balance requirements or multiple steps, has simple and straightforward criteria to get a Chase Total Checking® cash bonus.</p><p>Here are the steps required to earn the cash bonus:</p><ul><li>Open Chase Total Checking® account with a coupon code (you can apply directly through website or have a code sent to your email)</li><li>Set up direct deposit within the first 90 days of enrolling for the coupon</li></ul><p>Chase Total Checking has a $12 monthly service fee that you'll need to be mindful of. To waive the monthly service fee, you'll need to meet one of the following requirements each month: receive a direct deposit of $500 or more; have a daily account balance of $1,500 or more; or have an average daily balance of $5,000 or more across your Chase accounts.</p><p>Chase also has other checking accounts with higher cash bonuses, although they aren't as easy to qualify for. Our <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" data-analytics-product-module="body_link" rel="">best bank account bonuses</a> guide explains the requirements needed to earn each bonus.</p><p><strong>Monthly fee: </strong>$12 monthly service fee</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chase-checking-accounts-review" data-analytics-product-module="body_link" rel=""><em>Chase Checking Accounts Review</em></a></p><h3 id="38e61305-00b1-4ad5-bf27-69e86d72ee86" data-toc-id="38e61305-00b1-4ad5-bf27-69e86d72ee86">Best for Credit Unions: Consumers Credit Union Free Rewards Checking Account</h3><p>The Consumers Credit Union Free Rewards Checking Account lets you earn up to 5.00% APY on the first $10,000 in your account. Consumers Credit Union (<a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/how-ncua-insurance-works-credit-union" data-analytics-product-module="body_link" rel="">federally insured by NCUA</a>) also pays unlimited refunds on fees charged by out-of-network ATM providers.</p><p>Here are the APY tiers:</p><ul><li>Earn 3.00%APY on balances up to $10,000 when you sign up to receive eDocuments, make 12 debit card purchases per month, and receive $500 per month in direct deposits, mobile check deposits, or transfers from other banks.</li><li>Earn 4.00% APY on balances up to $10,000 when you meet the qualifications to earn 2.09% <em>and</em> spend $500 per month with your Consumers Credit Union credit card.</li><li>Earn 5.00% APY on balances up to $10,000 when you meet the qualifications to earn 3.09% <em>and</em> spend $1,000 per month with your Consumers Credit Union credit card.</li><li>Earn 0.20% APY on balances between $10,000.01 and $25,000 when you receive eDocuments, make 12 debit card purchases per month, and receive $500 per month in direct deposits, mobile check deposits, or transfers from other banks.</li><li>Earn 0.10% APY on balances of $25,000.01 and more when you receive eDocuments, make 12 debit card purchases per month, and receive $500 per month in direct deposits, mobile check deposits, or transfers from other banks.</li></ul><p>You need a Consumers Credit Union credit card to earn the maximum interest rate, and if you don't meet any of the qualifications listed, you'll only earn 0.01% APY.</p><p>One of the main differences between banks and credit unions is that you must meet certain qualifications to join a credit union, such as living in specific US states, working for a given company, or having a family member who is already a member. At Consumers Credit Union, you have to pay a one-time fee of $5 to the Consumers Cooperative Association and open a savings account.</p><p><strong>Monthly fee:</strong> no monthly service fee</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/consumers-credit-union-review" data-analytics-product-module="body_link" rel=""><em>Consumers Credit Union Review</em></a></p><h2 id="a581d9ae-505e-443b-85d3-01371052632a" data-toc-id="a581d9ae-505e-443b-85d3-01371052632a">Criteria for Ranking the Top Rewards Checking Accounts</h2><p>Many of the best checking accounts earn rewards features. Below we've listed our picks for the best rewards checking accounts. For example, we have top picks for earning cash back, a sign-up bonus, and interest.</p><p>All of the financial institutions on our list are protected by FDIC or NCUA insurance. Money is safe at a federally insured financial institution. When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account.</p><h2 id="ec8f4bec-568c-4109-a8bd-e23a844367cf" data-toc-id="ec8f4bec-568c-4109-a8bd-e23a844367cf">Which Rewards Checking Account is the Most Trustworthy?</h2><p>We review the ethics of each company so you can get a better understanding of the bank's trustworthiness.</p><p>We also include the settlement history of the last three years so you're aware of any recent public controversies involving the bank.</p><p>The Better Business Bureau rates businesses to see if they handle business practices well, have honest advertising, and respond effectively to customer complaints.</p><p>Here are the BBB ratings for all of our other top picks:</p><div class="horizontal-scroll"><table style="min-width: 50px" class="table-content"><colgroup><col><col></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold">Institution</td><td class="headline-regular headline-semibold">BBB grade</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Chase</td><td colspan="1" rowspan="1" class="headline-regular">A-</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">SoFi</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Axos</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Discover Bank</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Consumers Credit Union</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr></tbody></table></div><p>A good BBB grade won't guarantee that your relationship with the bank will be great. Make sure to also get other people's perspectives and reviews.</p><p>Chase has been involved in a few public controversies.</p><p>In 2023, JP Morgan Chase was required to pay<a target="_blank" rel="" href="https://www.businessinsider.com/jp-morgan-settles-virgin-islands-jeffrey-epstein-sex-trafficking-suit-2023-9" data-analytics-product-module="body_link">$75 million in a settlement</a> with the U.S. Virgin Islands that accused the financial institution of failing to report suspicious activity regarding Jeffrey Epstein's sex trafficking operation.</p><p>In 2021, JP Morgan Chase & Co. paid the SEC <a target="_blank" rel="noopener" href="https://www.sec.gov/newsroom/press-releases/2021-262" data-analytics-product-module="body_link">$125 million in a settlement</a> that stated the company did not have proper record-keeping for certain documents. JP Morgan Chase also paid the Commodity Futures Trading Commission<a target="_blank" rel="noopener" href="https://www.cftc.gov/PressRoom/PressReleases/8470-21" data-analytics-product-module="body_link">$75 million in a settlement</a> when accused of permitting unapproved communication, such as text messages and WhatsApp messages.</p><p>SoFi has also been involved in a recent public controversy. In 2021, the <a target="_blank" rel="noopener" href="https://www.sec.gov/files/litigation/admin/2021/ia-5826.pdf" data-analytics-product-module="body_link">Security and Exchange Commission</a> required SoFi Wealth to pay $300,000 in a settlement that stated the bank failed to tell SoFi customers of a conflict of interest when it put account holders' assets into SoFi ETFs instead of third-party ETFs.</p><p>Discover Bank has had one recent lawsuit, too. In 2024,<a target="_blank" rel="noopener nofollow" href="https://www.maldef.org/2024/03/discover-agrees-to-settle-class-action-lending-discrimination-suit-brought-by-daca-recipients/" data-analytics-product-module="body_link">Discover settled a class action lawsuit</a> from DACA recipients. The lawsuit said that Discover unlawfully denied DACA recipients loans because of their immigration status. Discover will pay $979,500 as part of the settlement. Discover does not admit wrongdoing by settling, and it maintains that it complied with the law.</p><h2 id="how-rewards-checking-accounts-work" data-toc-id="36f1216a-0b40-43c8-9ac0-6a5e9045f3d2" data-toc-label="How Rewards Checking Accounts Work" class="toc-anchor">How Rewards Checking Accounts Work</h2><p>Selecting the right <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/types-of-checking-accounts" data-analytics-product-module="body_link" rel="">type of checking account</a> can make a difference in your overall banking experience. If you want to earn cash back, a competitive interest rate, or a cash bonus, you might like a rewards checking account.</p><p>For example, if you have a high-interest checking account, you may need to maintain a certain amount of money in your account to get the highest APY. Meanwhile, if you open a checking account with a bonus, you might have to set up a direct deposit or make a specific amount of debit card transactions. Usually, if you don't meet the requirements for a specific month, you won't be able to get the reward.</p><h2 id="benefits-of-using-rewards-checking" data-toc-id="be89e740-1617-4476-b2c8-c0e0cd5f638d" data-toc-label="Benefits of Using Rewards Checking" class="toc-anchor">Benefits of Using Rewards Checking</h2><p>The primary benefit of using a rewards checking account is that you get to earn rewards for things that you may already be doing. For example, if you already use your debit card regularly or maintain a certain average daily balance, you can find many rewards checking accounts that offer perks for regularly performing these tasks.</p><p>Furthermore, if your rewards checking account requires you to keep a certain amount of money in your account at all times, that could be a good habit for your overall money management. You won't likely overdraw from your account, so overdraft fees and <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/what-is-nsf-fee" data-analytics-product-module="body_link" rel="">non-sufficient funds fees</a> won't be an issue.</p><h2 id="7643d60f-3724-46e8-8bfb-2f10706e8cff" data-toc-id="7643d60f-3724-46e8-8bfb-2f10706e8cff">Considerations and Potential Downsides of Rewards Checking</h2><p>Before you open a rewards checking account, bear in mind that these accounts usually have limitations. Banks will often cap reward earnings so you can only earn a certain amount.</p><p>For example, if you have a cash-back checking account, banks often set a monthly or annual limit for the total amount you earn in cash back. Meanwhile, for high-interest checking accounts, you might see accounts with tiered interest rates, meaning the rate will be lower for specific account balances and higher for others.</p><p>You also have to ensure you can regularly meet the requirements for a rewards checking account. When you don't meet certain monthly requirements, you usually won't earn the reward.</p><h2 id="c9a8cef3-9d79-47df-a778-a08d359dfb0d" data-toc-id="c9a8cef3-9d79-47df-a778-a08d359dfb0d">How to Choose a Rewards Checking Account</h2><p>Here are a few tips to help you choose a rewards checking account that fits your financial needs.</p><ol><li>Determine the type of rewards checking account you want to open. Do you want to get a cash bonus? Are you looking for ways to earn interest on your account balance? Do you want to earn cash back on debit card purchases?</li><li>Once you've decided on what type of account you're looking for, compare several banks. Narrow down your options by reviewing each bank's requirements to earn rewards on the account. Also, check the rewards checking account for opening requirements and bank fees. Some banks allow <a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/banks-credit-unions-for-immigrants-non-us-citizens">immigrants and non-U.S. citizens to open an account</a> with a Matricula Consular or foreign passport, so make sure to check with the bank to see what kinds of IDs you can use to open a bank account.</li></ol><h2 id="compare-rewards-checking-accounts" data-toc-id="314e239a-41f3-4a24-a063-1ac351244e10" data-toc-label="Compare Rewards Checking Accounts" class="toc-anchor">Compare Rewards Checking Accounts</h2><p>Compare checking account offers from our partners. Each account offers cashback rewards on purchases, a high APY, or a combination of the two.</p> <div id="featured-offer---truist-one-checking" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Featured Offer - Truist One Checking</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&feature=FEATURED_65f318fc29f5f393d7f73bfe&h=7d2fc5d447131096d362a3040c190f72450fb27daf035ea92d0e920e2c3f12ce&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Db-b-t-checking%26targeting%5Bqualifier%5D%3D" rel="nofollow sponsored noindex" data-analytics-product-id="65f318fc29f5f393d7f73bfe" data-analytics-product-brand="Featured Checking Offer - Position 4" data-analytics-product-name="Featured Offer - Truist One Checking" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=7d2fc5d447131096d362a3040c190f72450fb27daf035ea92d0e920e2c3f12ce&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Db-b-t-checking%26targeting%5Bqualifier%5D%3D"> Start banking </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Truist Bank, Member FDIC</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&feature=FEATURED_65f318fc29f5f393d7f73bfe&h=7d2fc5d447131096d362a3040c190f72450fb27daf035ea92d0e920e2c3f12ce&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Db-b-t-checking%26targeting%5Bqualifier%5D%3D" rel="nofollow sponsored noindex" data-analytics-product-id="65f318fc29f5f393d7f73bfe" data-analytics-product-brand="Featured Checking Offer - Position 4" data-analytics-product-name="Featured Offer - Truist One Checking" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=7d2fc5d447131096d362a3040c190f72450fb27daf035ea92d0e920e2c3f12ce&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Db-b-t-checking%26targeting%5Bqualifier%5D%3D"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/677336486b318443a944e89c?width=400" alt="Featured Checking Offer - Position 4 Featured Offer - Truist One Checking"> <noscript> <img class="no-script" src="https://i.insider.com/677336486b318443a944e89c?width=400" /> </noscript> </div> </a> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn $400 for opening a new Truist One Checking account online using code AFL2425TR1400 and receive at least one qualifying direct deposit of $500 or more and complete at least 15 qualifying debit card purchases within 90 days of account opening (offer expires April 30, 2025)</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn $400 for opening a new Truist One Checking account online using code AFL2425TR1400 and completing qualifying activities (offer expires April 30, 2025)</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Fees </strong> </div> <p class="financial-product-card__specs__text headline-regular">$12 monthly services fee</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Percentage Yield (APY) </strong> </div> <p class="financial-product-card__specs__text headline-regular">None</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Opening Deposit </strong> </div> <p class="financial-product-card__specs__text headline-regular">$50</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Bonus </strong> </div> <p class="financial-product-card__specs__text headline-regular">Earn $400 for opening a new Truist One Checking account online using code AFL2425TR1400 and completing qualifying activities (offer expires April 30, 2025)</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2" data-analytics-product-id="65f318fc29f5f393d7f73bfe" data-analytics-product-brand="Featured Checking Offer - Position 4" data-analytics-product-name="Featured Offer - Truist One Checking" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>n/a</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>n/a</span></li> </ul> </div> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="65f318fc29f5f393d7f73bfe" data-analytics-product-brand="Featured Checking Offer - Position 4" data-analytics-product-name="Featured Offer - Truist One Checking" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="featured-offer---sofi®-checking-and-savings-(member-fdic)" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Featured Offer - SoFi® Checking and Savings (Member FDIC)</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/ed5b67834c89?feature=FEATURED_65f31adfc4711962135e24cc" rel="nofollow sponsored noindex" data-analytics-product-id="65f31adfc4711962135e24cc" data-analytics-product-brand="Featured Checking Offer - Position 2" data-analytics-product-name="Featured Offer - SoFi® Checking and Savings (Member FDIC)" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Start banking </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">SoFi Bank, Member FDIC</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/ed5b67834c89?feature=FEATURED_65f31adfc4711962135e24cc" rel="nofollow sponsored noindex" data-analytics-product-id="65f31adfc4711962135e24cc" data-analytics-product-brand="Featured Checking Offer - Position 2" data-analytics-product-name="Featured Offer - SoFi® Checking and Savings (Member FDIC)" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/611d2a37c040ad0018ceec6f?width=400" alt="Featured Checking Offer - Position 2 Featured Offer - SoFi® Checking and Savings (Member FDIC)"> <noscript> <img class="no-script" src="https://i.insider.com/611d2a37c040ad0018ceec6f?width=400" /> </noscript> </div> </a> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Fees </strong> </div> <p class="financial-product-card__specs__text headline-regular">No monthly service fee</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Percentage Yield (APY) </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 12/3/24. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">up to 4.00%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Opening Deposit </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Bonus </strong> </div> <p class="financial-product-card__specs__text headline-regular">Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 01/31/26. Earn up to 4.00% APY on savings balances (including Vaults) with direct deposit or qualifying deposits.</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2" data-analytics-product-id="65f31adfc4711962135e24cc" data-analytics-product-brand="Featured Checking Offer - Position 2" data-analytics-product-name="Featured Offer - SoFi® Checking and Savings (Member FDIC)" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>n/a</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>n/a</span></li> </ul> </div> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="65f31adfc4711962135e24cc" data-analytics-product-brand="Featured Checking Offer - Position 2" data-analytics-product-name="Featured Offer - SoFi® Checking and Savings (Member FDIC)" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="featured-offer---upgrade-rewards-checking-plus-and-performance-savings" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Featured Offer - Upgrade Rewards Checking Plus and Performance Savings</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/e89107cb-76d4-4009-acc4-b9acf6b879eb?feature=FEATURED_65f318b9eed8f3fdee874e55" rel="nofollow sponsored noindex" data-analytics-product-id="65f318b9eed8f3fdee874e55" data-analytics-product-brand="Featured Checking Offer - Position 1" data-analytics-product-name="Featured Offer - Upgrade Rewards Checking Plus and Performance Savings" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Start banking </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Upgrade, FDIC Insured Account</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/e89107cb-76d4-4009-acc4-b9acf6b879eb?feature=FEATURED_65f318b9eed8f3fdee874e55" rel="nofollow sponsored noindex" data-analytics-product-id="65f318b9eed8f3fdee874e55" data-analytics-product-brand="Featured Checking Offer - Position 1" data-analytics-product-name="Featured Offer - Upgrade Rewards Checking Plus and Performance Savings" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6362cbeceb8afb00184651cf?width=400" alt="Featured Checking Offer - Position 1 Featured Offer - Upgrade Rewards Checking Plus and Performance Savings"> <noscript> <img class="no-script" src="https://i.insider.com/6362cbeceb8afb00184651cf?width=400" /> </noscript> </div> </a> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Active Accounts qualify to earn 4.14% APY when you receive at least $1,000 or more in direct deposits. Please refer to the applicable Cross River Bank Performance Savings Deposit Account Agreement and Truth in Savings Disclosure.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn up to 2% cash back on purchases. Add a Performance Savings account to earn up to 4.14% APY on saving balances.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Fees </strong> </div> <p class="financial-product-card__specs__text headline-regular">No monthly service fee</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Percentage Yield (APY) </strong> </div> <p class="financial-product-card__specs__text headline-regular">up to 4.14% APY on saving balances</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Opening Deposit </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Bonus </strong> </div> <p class="financial-product-card__specs__text headline-regular">Earn up to 2% cash back on purchases. Add a Performance Savings account to earn up to 4.14% APY on saving balances.</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2" data-analytics-product-id="65f318b9eed8f3fdee874e55" data-analytics-product-brand="Featured Checking Offer - Position 1" data-analytics-product-name="Featured Offer - Upgrade Rewards Checking Plus and Performance Savings" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>N/A</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>N/A</span></li> </ul> </div> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="65f318b9eed8f3fdee874e55" data-analytics-product-brand="Featured Checking Offer - Position 1" data-analytics-product-name="Featured Offer - Upgrade Rewards Checking Plus and Performance Savings" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="featured-offer---discover®-cashback-debit-account" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Featured Offer - Discover® Cashback Debit Account</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&feature=FEATURED_65f3198829f5f393d7f73bff&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D" rel="nofollow sponsored noindex" data-analytics-product-id="65f3198829f5f393d7f73bff" data-analytics-product-brand="Featured Checking Offer - Position 3" data-analytics-product-name="Featured Offer - Discover® Cashback Debit Account" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D"> Start banking </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Discover Bank, Member FDIC</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&feature=FEATURED_65f3198829f5f393d7f73bff&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D" rel="nofollow sponsored noindex" data-analytics-product-id="65f3198829f5f393d7f73bff" data-analytics-product-brand="Featured Checking Offer - Position 3" data-analytics-product-name="Featured Offer - Discover® Cashback Debit Account" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Ddiscover-cashback-debit%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/65ef6a586080194819fec467?width=400" alt="Featured Checking Offer - Position 3 Featured Offer - Discover® Cashback Debit Account"> <noscript> <img class="no-script" src="https://i.insider.com/65ef6a586080194819fec467?width=400" /> </noscript> </div> </a> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Cash back earned on up to $3,000 a month in purchases. Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in the no-fee network.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn cash back rewards with no fees. Start earning 1% cash back today (see website for details).</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Fees </strong> </div> <p class="financial-product-card__specs__text headline-regular">No monthly service fee</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Percentage Yield (APY) </strong> </div> <p class="financial-product-card__specs__text headline-regular">None</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Opening Deposit </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Bonus </strong> </div> <p class="financial-product-card__specs__text headline-regular">Earn 1% cash back on up on up to $3,000 per month in eligible debit card purchases (See website for details).</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2" data-analytics-product-id="65f3198829f5f393d7f73bff" data-analytics-product-brand="Featured Checking Offer - Position 3" data-analytics-product-name="Featured Offer - Discover® Cashback Debit Account" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>n/a</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>n/a</span></li> </ul> </div> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="65f3198829f5f393d7f73bff" data-analytics-product-brand="Featured Checking Offer - Position 3" data-analytics-product-name="Featured Offer - Discover® Cashback Debit Account" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="faqs" data-toc-id="213fb713-32e2-4bff-83dd-160ce0a7c438" data-toc-label="FAQs" class="toc-anchor">Best Rewards Checking Accounts FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is a rewards checking account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A rewards checking account is a type of checking account that offers perks such as cash back, a high APY, or a bank account bonus. Typically, you have to meet certain qualifications to receive a reward.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I earn rewards with rewards checking accounts? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">To earn rewards on a rewards checking account, you'll need to fufill a list of monthly requirements. You might need to make a certain amount of debit card transactions, maintain a daily average balance, or receive a qualifying amount of direct deposits to get a reward.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there any fees associated with rewards checking accounts? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Rewards checking accounts can still have common bank fees. Some fees to look out for include monthly service fees, overdraft fees, and out-of-network <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/bank-atm-fees" data-analytics-product-module="body_link" rel="">ATM fees</a>.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is a cash-back checking account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A cash-back checking account will allow you to earn cash back on debit card purchases.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can rewards checking account rates change? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, interest-earning checking accounts have variable interest rates. The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/what-is-apy" data-analytics-product-module="body_link" rel="">annual percentage yield</a> (APY) of a high-interest checking account can change at any time.</p> </div> </div> </div><h2 id="433eef24-13ea-43b9-8367-8b8737a9a6c6" data-toc-id="433eef24-13ea-43b9-8367-8b8737a9a6c6" data-toc-label="Why You Should Trust Us">Why You Should Trust Us: Our Expert Panel for the Best Rewards Checking Accounts</h2><p>We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best checking accounts for your needs.</p> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 433 / 1200)"> <meta itemprop="contentUrl" content="https://i.insider.com/65f30d7d3037f8e81750540e"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/65f30d7d3037f8e81750540e":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":433}}" alt="PFI Banking Expert Panel (updated Mar 2024); (from left to right) Tania Brown; Roger Ma; Sophia Acevedo; Mykail James"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> BI </span> </span> </figure> <p>Here's what they had to say about checking accounts. (Some text may be lightly edited for clarity.)</p><p><strong>What should you look for in a checking account?</strong></p><p><strong>Roger Ma, CFP® professional and author of </strong><a target="_blank" rel="noopener nofollow sponsored noindex" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71743-20&h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&platform=browser&postID=66a014bc20eaab25bc2260cf&postSlug=personal-finance%2Fbanking%2Fbest-rewards-checking-accounts&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F" data-analytics-product-module="body_link" data-am-orig-url="https://affiliate.insider.com/?h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F"><strong>"Work Your Money, Not Your Life"</strong></a><strong>:</strong></p><p>"I would look at the ATM branch locations and then minimum balance amounts to not incur a monthly fee … I think there's other stuff that could make life easier, whether it's free checks, online bill pay, are they in the Zelle network?"</p><p><strong>Sophia Acevedo, banking editor, Business Insider:</strong></p><p>"I would for a checking account that either doesn't have any monthly services fees or offers multiple ways to waive the fee. I would also look at customer support availability and mobile app ratings."</p><p><strong>How can someone determine if a bank is a good match?</strong></p><p><strong>Tania Brown, CFP® professional and vice president of coaching strategy at </strong><a target="_blank" rel="noopener nofollow" href="https://www.ofcolor.com/" data-analytics-product-module="body_link"><strong>OfColor</strong></a><strong>:</strong></p><p>"Obviously, you want to make sure it's FDIC insured. Also, your banking experience — do you like walking into a bank? Well, then you need someone local. Do you just not care if you ever see your bank? Then you're okay online. Do you write checks? Do you not write checks? So it's thinking through how your experience with it is going to be before you make that decision."</p><p><strong>Mykail James, MBA, certified financial education instructor, </strong><a target="_blank" rel="noopener nofollow" href="https://www.boujiebudgets.com/" data-analytics-product-module="body_link"><strong>BoujieBudgets.com</strong></a><strong>:</strong></p><p>"The No. 1 thing about a checking account is you should know what provider the debit card is coming from. And a lot of people don't think about that, because there are places that don't accept MasterCard or don't accept an Amex."</p><p><strong>How should someone decide whether to choose a rewards checking account with a high APY, cash sign-up bonus, or cash back?</strong></p><p><strong>Tania Brown, CFP® professional:</strong></p><p>"I have checking accounts with all the above, because I use checking accounts for different purposes. I would tell someone, think through the experience of how you're going to use it. So I have my account strictly for bills and I don't attach a debit card to that. Well, I'm not going to get a lot of cash rewards out of that, because I rarely use that debit card, but I keep a pretty decent balance. So that one I use in particular for interest. I have a spending checking account. That one, I don't care if the balance is zero, the money that goes in there, I expect for it to go out. But because I use that often, that is the one I attached to a cash reward. And then I have another one that I use just for travel, and I actually have a travel reward attached to that one."</p><p><strong>Roger Ma, CFP® professional</strong></p><p>"I think if you're someone who is responsible with credit, then instead of focusing on a checking account that rewards you, look to a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-analytics-product-module="body_link" rel="">credit card that rewards you for the areas where you spend money</a>. I wouldn't recommend people waste their time with a rewards checking account. Get the fundamentals right with fewer checking or savings accounts, and then start to move toward using a credit card to build your credit."</p><p><strong>Our Methodology for the Best Rewards Checking Accounts</strong></p><p>We reviewed over 200 checking accounts to find the best ones that offered rewards. First, we looked through our list to see which ones had special perks, like cash-back rewards, bonuses, and interest. Then, we looked at the reward offered by a checking account — such as a high APY or sign-up bonus — but we also considered how easy or difficult it is to receive a reward. And we considered other factors that make a checking account strong or weak, including opening deposits, monthly fees, and ATM accessibility.</p><p>See our full <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/methodology" data-analytics-product-module="body_link" rel="">banking methodology</a> to see how we rate checking accounts.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=pfi&resize=1&ident=99&pub_inventory=banking/best-rewards-checking-accounts-pfi-banking" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="sophia-acevedo"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Sophia Acevedo's face against a gray background"> <noscript> <img class="no-script" src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Sophia Acevedo</div> </a> <div class="post-author_title headline-regular">Banking Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Sophia Acevedo is a banking editor at Business Insider. She has spent three and a half years as a personal finance journalist and is an expert across numerous banking topics. </span><span><span class="headline-semibold">Experience</span></span><span>Sophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, budgeting, and general saving. Sophia was also a part of Business Insider's 2024 series "<a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a>," which focused on telling stories that could help people live and spend better.</span><span>Sophia has spent seven and a half years writing and editing as a journalist. She began her journalism career at her college newspaper, where she took on various roles.</span><span>Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE Accounts, tax-free savings accounts for people with disabilities. She was also a winner of a <a href="https://cnpa.com/cja/2018campus/" rel=" nofollow">2018 California Journalism Awards Campus Contest</a> for her photography.</span><span>She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.</span><span><span class="headline-semibold">Expertise</span></span><span>Sophia's expertise includes:</span><ul><li><span>Bank accounts</span></li><li><span>Savings and CD rate trends</span></li><li><span>Budgeting</span></li><li><span>Saving</span></li><li><span>How banks operate</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Sophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.</span><span>Sophia is a member of the National Association of Hispanic Journalists.</span><span>She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img class="no-script" src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.</span><span><span class="headline-semibold">Experience</span></span><span>As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. </span><span>Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.</span><span><span class="headline-semibold">Expertise</span></span><span>Evelyn is an expert in the following areas:</span><ul><li><span>Compliance</span></li><li><span>Quality assurance</span></li><li><span>Affiliate marketing</span></li><li><span>Search engine optimization (SEO)</span></li><li><span>Content strategy</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.</span><span>Evelyn has two dogs, Money and Tibber.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/i6e4f76aa12f" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Barclays Tiered Savings" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow sponsored noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/660c63753f923f7dab03dc68":{"contentType":"image/png","aspectRatioW":300,"aspectRatioH":150}}" alt="Barclays logo"> <noscript> <img class="no-script" src="https://i.insider.com/660c63753f923f7dab03dc68?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/i6e4f76aa12f" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Barclays Tiered Savings" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Barclays Tiered Savings </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to 4.50% APY and earn a $200 bonus when you open a new Tiered Savings account with qualifying activities (offer expires 3/8/25). <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">To qualify for this bonus offer, you must be a new Barclays Tiered Savings customer (current and previous Barclays customers with a Savings or CD are not eligible), open an account 11/7/2024 through 3/8/2025, fund your new Tiered Savings account with at least $25,000 within the first 30 days of opening the account, and maintain the balance of at least $25,000 for 120 consecutive days. After you maintain the $25,000 balance for 120 consecutive days, the $200 bonus will be added to your account in approximately 60 days. Offer expires 3/8/2025.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/i6e4f76aa12f" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Barclays Tiered Savings" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! 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