Best Checking Accounts for February 2025: Features, Rewards, and More

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best Checking Accounts for February 2025: Features, Rewards, and More","alternativeHeadline":"Best Checking Accounts for February 2025: Features, Rewards, and More","image":{"@type":"ImageObject","url":"https://i.insider.com/5ed92909aee6a86e94137448?width=1200&format=jpeg","width":1200,"height":900,"caption":"The best checking accounts don't charge monthly fees, have large ATM networks and have unique features."},"name":"Best Checking Accounts for February 2025: Features, Rewards, and More","datePublished":"2025-01-28T21:51:44Z","dateModified":"2025-02-01T00:57:52Z","description":"Discover the best checking accounts for February 2025. Our top picks have minimal fees, useful perks, and strong customer support availability.","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.Checking accounts are optimal tools for everyday expenses and transactions. There are many different types of checking accounts out there, and finding the right one may help you manage your money more efficiently.If you're more interested in saving money, you should explore a savings account versus a checking account.Compare checking accounts that offer high APYs, rewards on debit card purchases, or both. APYs (Annual Percentage Yields) are accurate as of 02/13/2025.Business Insider's personal finance team reviewed over 200 checking accounts to find the best banks and credit unions that offered them. To help you find a checking account based on your preferences, we narrowed down our top picks by creating multiple categories, so you know why a particular account stands out.Overall, the best checking accounts have low opening requirements, minimal bank fees, and nationwide accessibility. We noted why each checking account stands out. We also selected options from different types of financial institutions — banks, credit unions, investment platforms, and fintech companies — so you can find the right account, whether you want a traditional or non-traditional banking experience.Earn $250 when you open a checking account using the code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account openingno monthly service feeSee website for details$0$250Capital One is a strong bank overall. You'll earn competitive interest rates on online savings accounts and CDs.Capital One Checking has one of the most well-rounded checking accounts if you'd like to bank with a national brand. This checking account has a $0 minimum opening deposit, no monthly service fees, no overdraft fees, and no foreign transaction fees.This account also stands out as one of the best banks for avoiding overdraft fees. For example, one overdraft service offered is free savings transfers. To utilize the service, you'll link your checking account to a savings account. If you overdraw, Capital One will cover your overdraft by transferring money from your savings account automatically. There's no fee involved for this service, which is an added bonus because typically financial institutions charge a fee.Something to keep in mind with Capital One is that it has Capital One Cafes in select areas throughout the U.S. At Capital One Cafes, you can get bank services through a Cafe Ambassador. You'll still have to be primarily comfortable with an online-only banking experience when opening a Capital One bank account, though.Capital One 360 Checking ReviewEarn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit.no monthly service feeup to 3.80%$0up to $300SoFi Checking and Savings is a great account option if you don't mind keeping your savings and checking in one account.SoFi® Checking and Savings (Member FDIC) might be worth exploring if you'd like a well-rounded checking account that offers interest and a cash bonus.SoFi® pays up to 3.80% APY (Annual Percentage Yield) on savings balances if you set up a direct deposit or deposit a minimum $5,000 per month during the 30-day evaluation period and 0.50% APY on checking balances.SoFi® Checking and Savings (Member FDIC) also has one of the best checking account bonuses. It has a cash 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 (Member FDIC) customer, or an existing SoFi® Checking and Savings (Member FDIC) customer who hasn't set up direct deposit yet.Keep in mind this account works best if you set up a direct deposit or deposit a minimum $5,000 per month. That way, you'll qualify for a $300 cash bonus and the highest-tier interest rate.SoFi Reviewno monthly service feeup to 3.30%$0Axos Bank has strong high-yield savings, checking, and money market accounts if you'd like to avoid monthly service fees. But, you can find higher interest rates at some of the best online banks.Axos Bank Rewards Checking is our top pick if you're looking to open a a high-yield checking account. It's APY is significantly higher than the average interest-earning checking account, and it also has minimal bank fees.The account offers an interest rate of APY on balances up to $50,000. To earn the highest APY, you must meet the following requirements:Account balances over $50,000 won't earn interest. If you're not interested in primarily using one particular bank for your banking, investing, and loan opening, you might consider one of our other picks for best high-interest checking accounts.Axos Bank ReviewEarn cash back rewards with no fees. Start earning 1% cash back today (see website for details).no monthly service feeNone$0The Discover® Cashback Debit Account is a strong option if you're looking for a rewards checking account that offers cash-back perks. You can earn 1% cash back on up to $3,000 in debit card purchases per month.Discover Bank also stands out from competitors in this category because its account is more well-rounded and accessible. For example, you can add cash to your checking account for free by going to a Walmart and telling a cashier to load money through your debit card. Other online checking accounts don't let you deposit cash onto your account, or charge a fee if you visit a participating retailer.The Discover® Cashback Debit Account also has no monthly service fee, no overdraft fees, and multiple overdraft services so that transactions can be processed instead of declined.Something to keep in mind with Discover is that the bank doesn't reimburse any out-of-network ATM fees charged by ATM providers. Some of our other top picks do, though.Discover Bank ReviewEarn 3.10% APY with a paired savings account.no monthly service fee0.25%$25Alliant is one of the best credit unions out there, especially if you want to earn high interest rates on savings, checking, and certificates.The Alliant High-Interest Checking Account is a good choice if you prioritize banking with a credit union over a bank and want an account with minimal fees. This checking account does not have monthly service fees or overdraft fees. You'll also be reimbursed up to $20 in out-of-network ATM fees per month.Alliant ranks as one of our best credit unions because it's easy to join regardless of where you live in the U.S. Anyone can join by becoming a member of Foster Care for Success, a nonprofit organization that helps foster teens in the U.S. (Alliant will also cover the one-time $5 membership fee).Like other credit unions, Alliant compounds interest monthly or daily. This may make a difference in how much interest you'll earn depending on how much money you'd like to keep in an account.Alliant Credit Union Checking Reviewno monthly service fee0.10% to 0.25%$0N/AThe Ally Spending Account stands out for its financial tools. Ally lets you create spending buckets to help manage your expenses. You can create categories, like \"groceries\" and \"rent,\" and then move money that you already have in your Spending account to keep yourself organized.You can create up to 30 buckets in one account, and it's a free tool to use.The Ally Spending Account also is a generally well-rounded account. It pays interest, it has a $0 minimum opening deposit, no monthly service fee, and no overdraft fees.Ally Spending Account Reviewno monthly service fee0.05%$0Charles Schwab Bank is one of the best banks for international travelers, because it doesn't charge foreign transaction fees. It also refunds all fees charged by ATMs worldwide. But if you want to earn high interest rates, you're better off looking elsewhere.The Schwab Bank High Yield Investor Checking Account is another good option if you'd like to open a checking account with a familiar brand. In particular, this account might be worth exploring if you already have a brokerage account with Charles Schwab — we've ranked it among the best brokerage accounts.This account's strongest feature is its ATM perks. Charles Schwab doesn't charge ATMs and offers unlimited refunds worldwide when an ATM provider charges a fee.Charles Schwab Bank ReviewGet paid up to 2 days early with direct depositsno monthly service feeNone$0Chime has one of the best checking accounts out there, but it doesn't offer joint accounts or pay the best savings rate. Its strongest feature is that it's great for people who might not qualify to open accounts elsewhere — it doesn't check your credit score or banking history when you apply for a checking account, savings account, or credit card. It also provides several credit-building tools.The Chime Checking Account is a solid banking account with easy opening requirements. You might like this account, in particular, if you've struggled to open a banking account in the past due to your banking history. This account does not require a credit check or review by ChexSystems.Chime also may be worthwhile if your goal is to avoid common bank fees. The online banking platform doesn't charge monthly service fees, overdraft fees, or foreign transaction fees.That said, Chime's SpotMe® feature does have some limitations. The account only lets you overdraw by up to $200 and to be eligible for this perk, you must receive at least $200 in direct deposits monthly. If you try to overdraw by more than $200, the transaction won't be processed. Instead, it'll just be denied.Chime Reviewno monthly service feeNone$0The Service Everyday Checking Account is the best checking account for military members and families. It has a $0 minimum opening deposit and no monthly service fee, which are more convenient opening requirements than other financial institutions.The Service Everyday Checking Account also has three tiers: Basic, Direct Deposit, and Direct Deposit+. The basic checking account is the first tier and occurs when you open the account. If you set up a monthly direct deposit of your net pay, you can qualify for Direct Deposit. Under the Direct Deposit tier, you can get paid up to two days early through direct deposit, qualify for discounts on auto, personal, and motorcycle loans, and get up to $15 in ATM fee refunds per month.If you also make five or more payment or transactions per month, you'll qualify for Direct Deposit+, which lets you receive a slightly higher discount on loans and up to $30 per month in ATM fee reimbursements.As a credit union, membership eligibility is required to open the Service Everyday Checking Account. You can join Service Credit Union as an active or veteran military member, or as a current or former Department of Defense employee. Citizens of New Hampshire or parts of Massachusetts are eligible. You can also join if you're a family member of someone who qualifies.Service Credit Union Reviewno monthly service fee0.10%$0The Capital One MONEY Teen Checking Account is a strong online-only banking option for any minor that's age 8 or older. It has a $0 minimum opening deposit and no monthly service fee. The teen checking account also pays 0.10% APY.Parents don't need a Capital One account to get a teen checking account for their child. They can link an external bank account instead.The Capital One MONEY Teen Checking Account can't be opened at a Capital One location. It's only available online.We assess the ethics of each company, so you can see if a specific financial institution aligns with your values.We 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 assigns companies grades, ranging from F to A+. A strong BBB score indicates a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.Here are the BBB grades for our top picks:Chime's B- rating is due to government action taken against hte company and a high volume of customer complaints on the BBB website.Security Service Federal Credit Union has a B rating from the BBB because it has not resolved a few customer complaints.A strong BBB grade doesn't guarantee you'll have a smooth relationship with a company, though.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.In January 2025, the Consumer Financial Protection Bureau sued Capital One. The CFPB says that Capital One unlawfully misled customers about what the best interest rate was on Capital One savings accounts, leading to consumers missing out on more than $2 billion in interest payments.Capital One had an account called 360 Savings. In 2019, Capital One created the new 360 Performance Savings Account, which paid a much higher interest rate. Many customers thought their old savings accounts would transition into this new one, but in reality, they had to open a new 360 Performance Savings Account to earn the higher rate.If you want to know how to open a checking account, here are a few steps to follow:Online checking accounts are managed primarily through online and mobile banking. In comparison, traditional checking accounts are available at brick-and-mortar banks. You can visit local branches to conduct everyday transactions and speak to a banker.Most of our top picks are online checking accounts because they charge minimal bank fees. Traditional checking accounts often have minimum balance requirements to waive a monthly service fee or earn interest.There are other online checking account benefits that make these accounts strong options overall, including high interest rates and cash-back perks. There are five types of checking accounts: regular checking accounts, high-interest checking accounts, cash-back checking accounts, and specialty checking accounts. Here's an overview of each type of checking account:The best checking account for you may hinge on your banking preferences and goals. For example, if you regularly maintain a high checking account balance, the best high-yield checking accounts may be appealing options. The best checking accounts are no-fee checking account options. They have minimal bank fees, like monthly service, overdraft fees, and out-of-network ATMs. The most suitable option for you might also depend on whether you're looking for special perks, like a cash bonus, interest, or cash-back rewards.Yes, many financial institutions allow you to open a checking account online. You'll still need to provide basic information to open your bank account, like your full name and address. Most financial institutions also require you to provide a Social Security number or individual taxpayer identification number.ATM networks may be important when choosing a checking account if you frequently need access to cash. Generally, local financial institutions have the smallest ATM networks, followed by regional banks. National banks usually offer their own ATM network or are partnered with a national network like Allpoint.Yes, many banks have interest-earning checking accounts. You might need to maintain a certain account balance or make frequent debit card transactions to earn interest.If you're unhappy with your current checking account, compare other banks and see if another is more suitable. Switching banks may be the best option if you aren't satisfied with your overall banking experience.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 are some good qualities to 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 look for a checking account that either doesn't have any monthly service fees or offers multiple ways to waive the fee. I would also look at customer support availability and mobile app ratings.\"How can someone find the right bank?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 Amex.\"At Business Insider, we strive to help smart people make the best decisions with their money. We spent hours comparing and contrasting the features and fine print of 200 checking accounts, so you don't have to.Business Insider's personal finance team is editorially independent, which means our business team does not decide how we cover products and what we write about. Read more about how we rate and review products on our editorial standards page.We understand that \"best\" is often subjective, however, so in addition to highlighting the clear benefits of a checking account — no fees, for example — we outline the limitations, too.We considered 200 checking account offerings using our bank account methodology to determine the strongest options for the best checking accounts.We gave precedence to no-monthly-fee checking accounts or those with the option to waive monthly fees with qualifying activities, overdraft protection options, widespread ATM access and/or reimbursement for ATM fees, and mobile banking capabilities. We rate bank products on a scale from one to five stars. If a checking account has a rating of one star, that's the lowest possible, and it means the bank account requires significant improvement. If a checking account has five stars, that's the highest rating possible, and it's considered a superior option.For checking accounts, we look at minimum opening deposit requirements, monthly service fees, overdraft protection options, ATM network/fees, customer support availability, mobile app ratings, miscellaneous features and overall ethics and security of the company. We score each of these features on a scale of zero to five, then calculate the weighted average to get an account's final rating.","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 makes a checking account \"the best\"?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The best checking accounts are no-fee checking account options. They have minimal bank fees, like monthly service, <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/overdraft-fees-what-banks-charge\" data-analytics-product-module=\"body_link\" rel=\"\">overdraft fees</a>, and out-of-network ATMs. The most suitable option for you might also depend on whether you're looking for special perks, like a cash bonus, interest, or cash-back rewards.</p>"}},{"@type":"Question","name":"Can I open a checking account online?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, many financial institutions allow you to open a checking account online. You'll still need to provide basic information to open your bank account, like your full name and address. 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Switching banks may be the best option if you aren't satisfied with your overall banking experience.</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-checking-accounts","name":"Best Checking Accounts for February 2025: Features, Rewards, and More"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}"> Personal Finance </a> <svg class="svg-icon chevron-right-icon breadcrumbs-chevron" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m5.5 4.56 7.72 7.486-7.626 7.394L8.234 22 18.5 12.046 8.14 2 5.5 4.56Z"/> </svg> <a href="/personal-finance/banking" class="breadcrumb breadcrumb-hide-s" data-track-click="{"product_field":"Banking","element_name":"breadcrumbs","event":"navigation"}"> Banking </a> <svg class="svg-icon chevron-right-icon breadcrumbs-chevron" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m5.5 4.56 7.72 7.486-7.626 7.394L8.234 22 18.5 12.046 8.14 2 5.5 4.56Z"/> </svg> <svg class="svg-icon chevron-left-icon breadcrumbs-chevron d-sm-block d-md-none align-left" role="img" 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class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/sophia-acevedo" >Sophia Acevedo</a><span class="headline-regular">;</span></span> <span 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="2025-01-28T21:51:44Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2025-01-28T21:51:44Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="legacy-share" data-load-strategy="interaction" data-location="" > <div 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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.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#best-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"}" > Best Checking Accounts </a> </li> <li> <a href="#best-for-avoiding-bank-fees" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Avoiding Bank Fees </a> </li> <li> <a href="#best-for-perks" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Perks </a> </li> <li> <a href="#best-for-a-high-yield" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for a High Yield </a> </li> <li> <a href="#best-for-cash-back-rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Cash-Back Rewards </a> </li> <li> <a href="#best-credit-union-for-minimal-effort" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Credit Union for Minimal Effort </a> </li> <li> <a href="#best-for-budgeting-tools" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Budgeting Tools </a> </li> <li> <a href="#best-for-avoiding-atm-fees" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Avoiding ATM Fees </a> </li> <li> <a href="#best-second-chance-bank-account" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Second Chance Bank Account </a> </li> <li> <a href="#best-for-military-members-and-family" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Military Members and Family </a> </li> <li> <a href="#best-for-students" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Students </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> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </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"> <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>Checking accounts are optimal tools for everyday expenses and transactions. There are many different <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/types-of-checking-accounts" data-analytics-product-module="body_link" rel="">types of checking accounts</a> out there, and finding the right one may help you manage your money more efficiently.</p><p>If you're more interested in saving money, you should explore a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/checking-vs-savings-account" data-analytics-product-module="body_link" rel="">savings account versus a checking account</a>.</p> <aside class="quick-tip headline-regular ignore-typography"> <h4 id="3836717c-26a4-4fd1-8121-a39493511438" data-toc-id="3836717c-26a4-4fd1-8121-a39493511438"><strong>Featured Checking Account Offers</strong></h4><p>Compare checking accounts that offer high APYs, rewards on debit card purchases, or both. APYs (Annual Percentage Yields) are accurate as of 02/13/2025.</p><ul><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 - BCU PowerPlus Checking" href="https://api.fintelconnect.com/t/l/67a6768da52e94001c026916">BCU PowerPlus Checking</a>: Earn up to 8.00% APY on balances up to $15,000 (See website for details).*</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://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9">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 3.80% annual percentage yield (APY) on savings balances (including Vaults) with direct deposit or qualifying deposits.**</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-71423-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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><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 - Axos ONE Savings and Checking Bundle" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71423-20&h=2c90c16f6ad404f8b1d1f9699838f5ab12c1456e131609bca9ce6a183a69ef49&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-checking-accounts&site=bi&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Daxos-bank%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=2c90c16f6ad404f8b1d1f9699838f5ab12c1456e131609bca9ce6a183a69ef49&u=https%3A%2F%2Fproducts.gobankingrates.com%2Fpub%2F154d9b95-00a5-11ec-a8c2-0e0b1012e14d%3Ftargeting%5Bcompany_product%5D%3Daxos-bank%26targeting%5Butm_term%5D%3D%7Baffilimate_id%7D%26targeting%5Bpub_inventory%5D%3D%7Bpage_slug%7D">Axos ONE Savings and Checking Bundle</a>: </li></ul> </aside> <h2 id="best-checking-accounts" data-toc-id="0161379c-bb85-4bed-b885-ce28c83d5202" data-toc-label="Best Checking Accounts" class="toc-anchor">Best Checking Accounts for February 2025</h2><ul><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ec6ae7b2618b955dc37ac58" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One 360 Checking" href="https://www.gobankingrates.com/business-insider-capital-one-checking-2453338/">Capital One 360 Checking</a>: Best for avoiding common bank fees</li><li><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://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9">SoFi® Checking and Savings (Member FDIC)</a>: Best for a variety of rewards perks</li><li><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-71423-20&h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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>: Best for a high yield</li><li><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-71423-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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>: Best for cash-back rewards</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f3d95bd0ef1882b2123abf6" data-analytics-product-brand="Alliant Credit Union" data-analytics-product-name="Alliant High-Rate Digital Checking" href="https://www.businessinsider.com/personal-finance/banking/alliant-credit-union-review">Alliant High-Rate Digital Checking</a>: Best credit union for minimal effort</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ebacc02204ad302d70b80eb" data-analytics-product-brand="Ally" data-analytics-product-name="Ally Spending Account" href="https://www.businessinsider.com/personal-finance/ally-checking-bridge">Ally Spending Account</a>: Best for budgeting tools</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ee78b82988ee3189771cb5b" data-analytics-product-brand="Charles Schwab Bank" data-analytics-product-name="Schwab Bank High Yield Investor Checking® Account" href="https://www.businessinsider.com/personal-finance/schwab-bank-checking-bridge">Schwab Bank High Yield Investor Checking® Account</a>: Best for avoiding ATM fees</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f2ae3395af6cc01d11fbfa6" data-analytics-product-brand="Chime®" data-analytics-product-name="Chime® Checking Account" href="https://secure.money.com/pr/z15b350fd71c">Chime® Checking Account</a>: Best second chance banking account</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f6cd1868fc39771975c2762" data-analytics-product-brand="Service Credit Union" data-analytics-product-name="Service Everyday Checking Account" href="https://www.businessinsider.com/personal-finance/banking/service-credit-union-review">Service Everyday Checking Account</a>: Best for military members and family</li><li>Capital One MONEY Teen Checking Account: Best for students</li></ul><h2 id="140ac03c-84fa-4446-8dfa-248bbee305fc" data-toc-id="140ac03c-84fa-4446-8dfa-248bbee305fc">Checking Account Reviews</h2><p>Business Insider's personal finance team reviewed over 200 checking accounts to find the <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-analytics-product-module="body_link" rel="">best banks</a> and credit unions that offered them. To help you find a checking account based on your preferences, we narrowed down our top picks by creating multiple categories, so you know why a particular account stands out.</p><p>Overall, the best checking accounts have low opening requirements, minimal bank fees, and nationwide accessibility. We noted why each checking account stands out. We also selected options from different types of financial institutions — banks, credit unions, investment platforms, and fintech companies — so you can find the right account, whether you want a traditional or non-traditional banking experience.</p><h3 id="best-for-avoiding-bank-fees" data-toc-id="020b3724-0dbd-469a-8529-8c693ef9f632" data-toc-label="Best for Avoiding Bank Fees" class="toc-anchor">Best for Avoiding Bank Fees: Capital One 360 Checking</h3> <div id="capital-one-360-checking" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for avoiding common bank fees </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Capital One 360 Checking</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.gobankingrates.com/business-insider-capital-one-checking-2453338/" rel="nofollow noindex" data-analytics-product-id="5ec6ae7b2618b955dc37ac58" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One 360 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"> Start banking </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Capital One, 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://www.gobankingrates.com/business-insider-capital-one-checking-2453338/" rel="nofollow noindex" data-analytics-product-id="5ec6ae7b2618b955dc37ac58" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One 360 Checking" data-analytics-product-index="1" 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/5ec6808d4dca6833564278e5?width=400" alt="Capital One Capital One 360 Checking"> <noscript> <img class="no-script" src="https://i.insider.com/5ec6808d4dca6833564278e5?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5ec6ae7b2618b955dc37ac58-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6345700025802377"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6345700025802377)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6594506641178468"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6594506641178468)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6406478502969299"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6406478502969299)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9666994789898156"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9666994789898156)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.04153458487924122"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.04153458487924122)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.75<span>/5</span></span> </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 </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn $250 when you open a checking account using the code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening</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">See website for details</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 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 $250 when you open a checking account using the code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">$250</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 7" data-analytics-product-id="5ec6ae7b2618b955dc37ac58" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One 360 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>Earn interest on all account balances</span></li> <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>No opening deposit or minimum account balance</span></li> <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>No monthly service fee</span></li> <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>No foreign transaction fee</span></li> <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>Range of overdraft protection options</span></li> <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>Processes direct deposits up to 2 days early</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <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>Doesn't reimburse out-of-network ATM fees</span></li> <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>Limited access to customer service by phone</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Capital One is a strong bank overall. You'll earn competitive interest rates on online savings accounts and CDs.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/capital-one-bank-review" data-analytics-product-id="5ec6ae7b2618b955dc37ac58" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One 360 Checking" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Capital One 360 Checking <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn $250 when you open a new account with promo code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening</li> <li class="financial-product-card__product-details__list-item">Over 70,000 free ATMs nationwide</li> <li class="financial-product-card__product-details__list-item">Branches in NY, LA, TX, MD, VA, NJ, and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Interest compounded daily, paid monthly</li> <li class="financial-product-card__product-details__list-item">FDIC insured</li> </ul> </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="5ec6ae7b2618b955dc37ac58" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One 360 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><p>Capital One Checking has one of the most well-rounded checking accounts if you'd like to bank with a national brand. This checking account has a $0 minimum opening deposit, no monthly service fees, no overdraft fees, and no foreign transaction fees.</p><p>This account also stands out as one of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-banks-for-overdrafts" data-analytics-product-module="body_link" rel="">best banks for avoiding overdraft fees</a>. For example, one overdraft service offered is free savings transfers. To utilize the service, you'll link your checking account to a savings account. If you overdraw, Capital One will cover your overdraft by transferring money from your savings account automatically. There's no fee involved for this service, which is an added bonus because typically financial institutions charge a fee.</p><p>Something to keep in mind with Capital One is that it has Capital One Cafes in select areas throughout the U.S. At Capital One Cafes, you can get bank services through a Cafe Ambassador. You'll still have to be primarily comfortable with an online-only banking experience when opening a Capital One bank account, though.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/capital-one-bank-review" data-analytics-product-module="body_link" rel=""><em>Capital One 360 Checking Review</em></a></p><h3 id="best-for-perks" data-toc-id="f50e26ab-7359-4075-be7c-c55fb045bb22" data-toc-label="Best for Perks" class="toc-anchor">Best for Perks: SoFi Checking and Savings</h3> <div id="sofi®-checking-and-savings-(member-fdic)" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for a variety of rewards perks </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">SoFi® Checking and Savings (Member FDIC)</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9" rel="nofollow noindex" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="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 saving </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">SoFi Bank, N.A., 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://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9" rel="nofollow noindex" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="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="SoFi® SoFi® Checking and Savings (Member FDIC)"> <noscript> <img class="no-script" src="https://i.insider.com/611d2a37c040ad0018ceec6f?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="621fd8aff7985a001ab8210f-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8153822633449148"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8153822633449148)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.0005903068088484176"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.0005903068088484176)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.27053065125685216"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.27053065125685216)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4517466084841453"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4517466084841453)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9983170970617417"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9983170970617417)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.75<span>/5</span></span> </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">New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking#1. SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% 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 SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit.</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 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 who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% 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 SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">up to 3.80%</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">up to $300</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 10" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="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>FDIC insured for $2 million</span></li> <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>High interest rate</span></li> <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>Earn a higher interest rate with qualifying activities</span></li> <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>No minimum opening deposit</span></li> <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>No monthly service fees</span></li> <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>Up to $300 bonus with qualifying direct deposit (terms apply)</span></li> <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>Savings tools</span></li> <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>Early direct deposit</span></li> <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>Joint account available</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <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>Declined purchase if you overdraw by more than $50</span></li> <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>Doesn't reimburse out-of-network ATM providers' fees</span></li> <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>May deposit cash at Green Dot locations but there's a $4.95 fee</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">SoFi Checking and Savings is a great account option if you don't mind keeping your savings and checking in one account.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/sofi-checking-savings-review" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> SoFi® Checking and Savings (Member FDIC) <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Sign-up bonus of up to $300. When you sign up and set up direct deposit. Wait for direct deposit to hit account (typically 2-4 weeks). Collect cash bonus of $50 to $300 depending on direct deposit amount</li> <li class="financial-product-card__product-details__list-item">Up to 3.80% APY with direct deposit or $5,000 or more in qualifying deposits during the 30-day evaluation period</li> <li class="financial-product-card__product-details__list-item">FDIC Insured and covered up to $2 million in FDIC coverage through a network of participating banks</li> <li class="financial-product-card__product-details__list-item">55,000+ fee-free ATMs</li> </ul> </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="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="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><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" href="https://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9">SoFi® Checking and Savings (Member FDIC)</a> might be worth exploring if you'd like a well-rounded checking account that offers interest and a cash bonus.</p><p>SoFi® pays up to 3.80% APY (Annual Percentage Yield) on savings balances if you set up a direct deposit or deposit a minimum $5,000 per month during the 30-day evaluation period and 0.50% APY on checking balances.</p><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" href="https://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9">SoFi® Checking and Savings (Member FDIC)</a> also has one of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" data-analytics-product-module="body_link" rel="">best checking account bonuses</a>. It has a cash 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 <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" href="https://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9">SoFi® Checking and Savings (Member FDIC)</a> customer, or an existing <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="621fd8aff7985a001ab8210f" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" href="https://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9">SoFi® Checking and Savings (Member FDIC)</a> customer who hasn't set up direct deposit yet.</p><p>Keep in mind this account works best if you set up a direct deposit or deposit a minimum $5,000 per month. That way, you'll qualify for a $300 cash bonus and the highest-tier interest rate.</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 Review</em></a></p><h3 id="best-for-a-high-yield" data-toc-id="cc54b819-2b16-4ee2-b4c0-832ff4e60e9e" data-toc-label="Best for a High Yield" class="toc-anchor"><strong>Best for a High Yield: Axos Rewards Checking</strong></h3> <div id="axos-bank-rewards-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 ">Axos Bank Rewards Checking</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71423-20&h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-checking-accounts&site=bi&u=https%3A%2F%2Fwww.jdoqocy.com%2Fclick-101063856-16992124" rel="nofollow noindex sponsored" data-analytics-product-id="5ec82f7e3f73707f8a439596" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Rewards Checking" 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" data-am-orig-url="https://affiliate.insider.com/?h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&u=https%3A%2F%2Fwww.jdoqocy.com%2Fclick-101063856-16992124"> Start banking </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Axos Bank's website</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-71423-20&h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-checking-accounts&site=bi&u=https%3A%2F%2Fwww.jdoqocy.com%2Fclick-101063856-16992124" rel="nofollow noindex sponsored" data-analytics-product-id="5ec82f7e3f73707f8a439596" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Rewards Checking" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=11dfd64da6a63a3bfe311c4b6efceb0c6b6e24826b045a5dc9915e1a5ea5b8ee&u=https%3A%2F%2Fwww.jdoqocy.com%2Fclick-101063856-16992124"> <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/6622fc1d0dfb1341e9fd5181?width=400" alt="Axos Bank Axos Bank Rewards Checking"> <noscript> <img class="no-script" src="https://i.insider.com/6622fc1d0dfb1341e9fd5181?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5ec82f7e3f73707f8a439596-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6008259160369387"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6008259160369387)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7159766932382117"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7159766932382117)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.05771328521199326"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.05771328521199326)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3751890842597596"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3751890842597596)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8661562599040868"> <stop stop-color="#faa809" offset="25%"></stop> <stop stop-color="white" offset="25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8661562599040868)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.25<span>/5</span></span> </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">The Annual Percentage Yield (APY) is accurate as of 6/20/2024. Rewards Checking accounts are eligible to receive APY reward when criteria is met. The account must be in an open and active status on the last business day of the statement cycle to receive the reward. All daily collected balances up to and including $50,000 will earn interest based on the combined rate rewards. All daily collected balances greater than $50,000 will not earn interest. Qualifying transactions must post and clear the account by the 25th of the month to count towards the monthly qualification cycle. Account transactions may take one or more business days from the transaction date to post to the account. At the time of your statement cycle date, we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply. We will use the daily balance method to calculate the interest. We may change these rewards at the Bank's discretion any time without notice. Fees may reduce earnings.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">up to 3.30%</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> <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 6" data-analytics-product-id="5ec82f7e3f73707f8a439596" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Rewards Checking" 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>High APY</span></li> <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>Unlimited out-of-network ATM reimbursements</span></li> <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>No monthly maintenance fees</span></li> <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>No overdraft fees</span></li> <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>No non-sufficient funds fees</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <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>No APY if you can't meet qualifications</span></li> <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>Few mobile app reviews</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Axos Bank has strong high-yield savings, checking, and money market accounts if you'd like to avoid monthly service fees. But, you can find higher interest rates at some of the best online banks.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/axos-bank-review" data-analytics-product-id="5ec82f7e3f73707f8a439596" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Rewards Checking" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Axos Bank Rewards Checking <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Build your own APY with up to 3.30% APY*</li> <li class="financial-product-card__product-details__list-item">Zero monthly maintenance fees</li> <li class="financial-product-card__product-details__list-item">Zero overdraft or NSF fees</li> <li class="financial-product-card__product-details__list-item">Zero minimum monthly balance reqs</li> <li class="financial-product-card__product-details__list-item">No initial deposit requirement</li> <li class="financial-product-card__product-details__list-item">Unlimited domestic ATM fee reimbursements</li> <li class="financial-product-card__product-details__list-item">Online debit card management</li> <li class="financial-product-card__product-details__list-item">Simple, 3-step process for direct deposit</li> </ul> </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="5ec82f7e3f73707f8a439596" data-analytics-product-brand="Axos Bank" data-analytics-product-name="Axos Bank Rewards Checking" 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><p>Axos Bank Rewards Checking is our top pick if you're looking to open a a high-yield checking account. It's APY is significantly higher than the average interest-earning checking account, and it also has minimal bank fees.</p><p>The account offers an interest rate of APY on balances up to $50,000. To earn the highest APY, you must meet the following requirements:</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" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71423-20&h=0b2f45eaf057bb203f65adc0a28f52a6cf505f086f1b662e9d47eb8dd6a93f49&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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"><u>Axos Invest Managed Portfolios</u></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" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71423-20&h=c53b7c8116fc5452bacdc7a978a6ba3c8d21a18f2444b5a53954b42d3b56370e&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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"><u>Axos Self-Directed Trading</u></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>Account balances over $50,000 won't earn interest. If you're not interested in primarily using one particular bank for your banking, investing, and loan opening, you might consider one of our other picks for <a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-checking-accounts" data-analytics-product-module="body_link"><u>best high-interest checking accounts</u></a>.<em><br></em></p><p><a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/axos-bank-review" data-analytics-product-module="body_link"><em><u>Axos Bank Review</u></em></a></p><h3 id="best-for-cash-back-rewards" data-toc-id="93c3172a-9947-4f8e-b3ce-7b760b7167a4" data-toc-label="Best for Cash-Back Rewards" class="toc-anchor">Best for Cash-Back Rewards: Discover Cashback Debit Account</h3> <div id="discover®-cashback-debit-account" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for earning cash back </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Discover® Cashback Debit Account</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71423-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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 noindex sponsored" data-analytics-product-id="5ed11cb6f0f4196b766ab0ee" data-analytics-product-brand="Discover®" data-analytics-product-name="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-71423-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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 noindex sponsored" data-analytics-product-id="5ed11cb6f0f4196b766ab0ee" data-analytics-product-brand="Discover®" data-analytics-product-name="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="Discover® Discover® Cashback Debit Account"> <noscript> <img class="no-script" src="https://i.insider.com/65ef6a586080194819fec467?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5ed11cb6f0f4196b766ab0ee-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8773346381082141"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8773346381082141)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9199893281931897"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9199893281931897)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3580172437840048"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3580172437840048)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6098232475312053"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6098232475312053)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5416692854211191"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5416692854211191)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.75<span>/5</span></span> </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> <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 6" data-analytics-product-id="5ed11cb6f0f4196b766ab0ee" data-analytics-product-brand="Discover®" data-analytics-product-name="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>Earn up to 1% cash back on up to $3,000 in purchases per month (See website for details)</span></li> <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>No monthly service fee</span></li> <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>Over 60,000 in-network ATMs</span></li> <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>Get paid early with direct deposit through Early Pay</span></li> <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>Enroll in free overdraft protection</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <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>Debit card can only be used in the US, Canada, Mexico, and the Caribbean</span></li> <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>Only 1 branch location</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/discover-bank-review" data-analytics-product-id="5ed11cb6f0f4196b766ab0ee" data-analytics-product-brand="Discover®" data-analytics-product-name="Discover® Cashback Debit Account" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Discover Cashback Debit Account <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 1% cash back on up on up to $3,000 per month in eligible debit card purchases (See website for details)</li> <li class="financial-product-card__product-details__list-item">100% US-based customer service available 24/7</li> <li class="financial-product-card__product-details__list-item">No opening deposit or minimum account balance</li> <li class="financial-product-card__product-details__list-item">No monthly maintenance fees</li> <li class="financial-product-card__product-details__list-item">Over 60,000 in-network ATMs</li> <li class="financial-product-card__product-details__list-item">FDIC insured</li> </ul> </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="5ed11cb6f0f4196b766ab0ee" data-analytics-product-brand="Discover®" data-analytics-product-name="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><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-71423-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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 a strong option if you're looking for a rewards checking account that offers cash-back perks. You can earn 1% cash back on up to $3,000 in debit card purchases per month.</p><p>Discover Bank also stands out from competitors in this category because its account is more well-rounded and accessible. For example, you can add cash to your checking account for free by going to a Walmart and telling a cashier to load money through your debit card. Other online checking accounts don't let you deposit cash onto your account, or charge a fee if you visit a participating retailer.</p><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-71423-20&h=d9fcbe97a203f8bdd9cf1a40d36b4735036411664281d821da58863c283697a7&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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> also has no monthly service fee, no overdraft fees, and multiple overdraft services so that transactions can be processed instead of declined.</p><p>Something to keep in mind with Discover is that the bank doesn't reimburse any out-of-network ATM fees charged by ATM providers. Some of our other top picks do, though.</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="best-credit-union-for-minimal-effort" data-toc-id="845f161f-036f-4448-bc6e-894996929e8e" data-toc-label="Best Credit Union for Minimal Effort" class="toc-anchor">Best Credit Union for Minimal Effort: Alliant High-Interest Checking Account</h3> <div id="alliant-high-rate-digital-checking" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best credit union for minimal effort </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Alliant High-Rate Digital Checking</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-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/5eced3adf0f4191b9a7c8b75?width=400" alt="Alliant Credit Union Alliant High-Rate Digital Checking"> <noscript> <img class="no-script" src="https://i.insider.com/5eced3adf0f4191b9a7c8b75?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="5f3d95bd0ef1882b2123abf6-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6353616360878704"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6353616360878704)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.11047318032471543"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.11047318032471543)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3061684297893348"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3061684297893348)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9598168914968976"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9598168914968976)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8088745422532608"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8088745422532608)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.75<span>/5</span></span> </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 </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 3.10% APY with a paired savings account.</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">0.25%</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">$25</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 7" data-analytics-product-id="5f3d95bd0ef1882b2123abf6" data-analytics-product-brand="Alliant Credit Union" data-analytics-product-name="Alliant High-Rate Digital Checking" data-analytics-product-index="5" 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>Earn interest</span></li> <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>No minimum opening deposit</span></li> <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>No monthly service fees</span></li> <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>$20/month in out-of-network ATM fee refunds</span></li> <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>No overdraft fees</span></li> <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>No incoming wire transfer fee</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <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>Compounds interest monthly, not daily</span></li> <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>$25 outgoing wire transfer fee</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Alliant is one of the best credit unions out there, especially if you want to earn high interest rates on savings, checking, and certificates.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/alliant-credit-union-review" data-analytics-product-id="5f3d95bd0ef1882b2123abf6" data-analytics-product-brand="Alliant Credit Union" data-analytics-product-name="Alliant High-Rate Digital Checking" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Alliant High-Rate Digital Checking <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)</li> <li class="financial-product-card__product-details__list-item">80,000+ free ATMs</li> <li class="financial-product-card__product-details__list-item">Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.</li> <li class="financial-product-card__product-details__list-item">Interest compounded monthly</li> <li class="financial-product-card__product-details__list-item">Federally insured by the NCUA</li> </ul> </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="5f3d95bd0ef1882b2123abf6" data-analytics-product-brand="Alliant Credit Union" data-analytics-product-name="Alliant High-Rate Digital Checking" data-analytics-product-index="5" 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><p>The Alliant High-Interest Checking Account is a good choice if you prioritize banking with a credit union over a bank and want an account with minimal fees. This checking account does not have monthly service fees or overdraft fees. You'll also be reimbursed up to $20 in out-of-network ATM fees per month.</p><p>Alliant ranks as one of our <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-credit-unions" data-analytics-product-module="body_link" rel="">best credit unions</a> because it's easy to join regardless of where you live in the U.S. Anyone can join by becoming a member of Foster Care for Success, a nonprofit organization that helps foster teens in the U.S. (Alliant will also cover the one-time $5 membership fee).</p><p>Like other credit unions, Alliant compounds interest monthly or daily. This may make a difference in how much interest you'll earn depending on how much money you'd like to keep in an account.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/alliant-credit-union-review" data-analytics-product-module="body_link" rel=""><em>Alliant Credit Union Checking Review</em></a></p><h3 id="best-for-budgeting-tools" data-toc-id="5a4753bf-1d1d-478e-9527-ed39c3874047" data-toc-label="Best for Budgeting Tools" class="toc-anchor">Best for Budgeting Tools: Ally Spending Account</h3> <div id="ally-spending-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 ">Ally Spending Account</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.businessinsider.com/personal-finance/ally-checking-bridge" rel="nofollow noindex" data-analytics-product-id="5ebacc02204ad302d70b80eb" data-analytics-product-brand="Ally" data-analytics-product-name="Ally Spending Account" data-analytics-product-index="6" 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">Ally 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://www.businessinsider.com/personal-finance/ally-checking-bridge" rel="nofollow noindex" data-analytics-product-id="5ebacc02204ad302d70b80eb" data-analytics-product-brand="Ally" data-analytics-product-name="Ally Spending Account" data-analytics-product-index="6" 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/5ea9db34cdfd480a44352c78?width=400" alt="Ally Ally Spending Account"> <noscript> <img class="no-script" src="https://i.insider.com/5ea9db34cdfd480a44352c78?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5ebacc02204ad302d70b80eb-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9947302062106991"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9947302062106991)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1762012376845783"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1762012376845783)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.42259845117613604"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.42259845117613604)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5188168016718626"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5188168016718626)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5896106353293953"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5896106353293953)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.75<span>/5</span></span> </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">0.10% to 0.25%</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">N/A</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 14" data-analytics-product-id="5ebacc02204ad302d70b80eb" data-analytics-product-brand="Ally" data-analytics-product-name="Ally Spending Account" data-analytics-product-index="6" 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>Spending buckets to manage expenses</span></li> <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>Competitive APY</span></li> <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>No initial deposit</span></li> <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>No minimum account balance</span></li> <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>No monthly service charge</span></li> <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>Connect your account with Zelle</span></li> <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>Easy-to-use mobile app</span></li> <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>Early direct deposit</span></li> <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>Reimburses up to $10/month in out-of-network ATM fees</span></li> <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>Online bill pay</span></li> <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>24/7 customer service</span></li> <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>No overdraft fees</span></li> <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>Overdraft protection</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <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>No physical branch locations</span></li> <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>No way to deposit cash</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/ally-interest-checking-account-review" data-analytics-product-id="5ebacc02204ad302d70b80eb" data-analytics-product-brand="Ally" data-analytics-product-name="Ally Spending Account" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Ally Spending Account <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">You can deposit checks right from your smartphone</li> <li class="financial-product-card__product-details__list-item">Manage expenses by creating spending buckets</li> <li class="financial-product-card__product-details__list-item">Ally reimburse's up to $10 per statement cycle for fees charged at other ATMs nationwide</li> <li class="financial-product-card__product-details__list-item">Transfer money with your voice through Ally Skill™ for Amazon Alexa</li> <li class="financial-product-card__product-details__list-item">Interest compounded daily, paid monthly</li> <li class="financial-product-card__product-details__list-item">FDIC insured</li> </ul> </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="5ebacc02204ad302d70b80eb" data-analytics-product-brand="Ally" data-analytics-product-name="Ally Spending Account" data-analytics-product-index="6" 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><p>The Ally Spending Account stands out for its financial tools. Ally lets you create spending buckets to help manage your expenses. You can create categories, like "groceries" and "rent," and then move money that you already have in your Spending account to keep yourself organized.</p><p>You can create up to 30 buckets in one account, and it's a free tool to use.</p><p>The Ally Spending Account also is a generally well-rounded account. It pays interest, it has a $0 minimum opening deposit, no monthly service fee, and no overdraft fees.</p><p><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/ally-interest-checking-account-review" data-analytics-product-module="body_link" rel=""><em>Ally Spending Account Review</em></a></p><h3 id="best-for-avoiding-atm-fees" data-toc-id="11905ee0-f8aa-4d9e-8276-ba12f806f296" data-toc-label="Best for Avoiding ATM Fees" class="toc-anchor">Best for Avoiding ATM Fees: Schwab Bank High Yield Investor Checking Account</h3> <div id="schwab-bank-high-yield-investor-checking®-account" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for avoiding ATM fees </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Schwab Bank High Yield Investor Checking® Account</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.businessinsider.com/personal-finance/schwab-bank-checking-bridge" rel="nofollow noindex" data-analytics-product-id="5ee78b82988ee3189771cb5b" data-analytics-product-brand="Charles Schwab Bank" data-analytics-product-name="Schwab Bank High Yield Investor Checking® Account" data-analytics-product-index="7" 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">Charles Schwab, FDIC Insured</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://www.businessinsider.com/personal-finance/schwab-bank-checking-bridge" rel="nofollow noindex" data-analytics-product-id="5ee78b82988ee3189771cb5b" data-analytics-product-brand="Charles Schwab Bank" data-analytics-product-name="Schwab Bank High Yield Investor Checking® Account" data-analytics-product-index="7" 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/5ee7d4e9988ee346de0153a8?width=400" alt="Charles Schwab Bank Schwab Bank High Yield Investor Checking® Account"> <noscript> <img class="no-script" src="https://i.insider.com/5ee7d4e9988ee346de0153a8?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5ee78b82988ee3189771cb5b-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8951522070150137"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8951522070150137)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.09379880682355735"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.09379880682355735)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5629214556836604"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5629214556836604)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.45121693406346575"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.45121693406346575)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.329655017698951"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.329655017698951)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </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">0.05%</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> <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 6" data-analytics-product-id="5ee78b82988ee3189771cb5b" data-analytics-product-brand="Charles Schwab Bank" data-analytics-product-name="Schwab Bank High Yield Investor Checking® Account" data-analytics-product-index="7" 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>No opening deposit</span></li> <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>No minimum account balance</span></li> <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>Unlimited out-of-network ATM reimbursements</span></li> <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>No foreign transaction fees</span></li> <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>Free overdraft protection</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>No way to deposit cash</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Charles Schwab Bank is one of the best banks for international travelers, because it doesn't charge foreign transaction fees. It also refunds all fees charged by ATMs worldwide. But if you want to earn high interest rates, you're better off looking elsewhere.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/charles-schwab-bank-review" data-analytics-product-id="5ee78b82988ee3189771cb5b" data-analytics-product-brand="Charles Schwab Bank" data-analytics-product-name="Schwab Bank High Yield Investor Checking® Account" data-analytics-product-index="7" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Schwab Bank High Yield Investor Checking® Account <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">24/7 live online chat</li> <li class="financial-product-card__product-details__list-item">When you open a checking account, you automatically open a Charles Schwab brokerage account, too</li> <li class="financial-product-card__product-details__list-item">No ATM network, but unlimited ATM fee reimbursements</li> <li class="financial-product-card__product-details__list-item">Interest compounded daily, paid monthly</li> <li class="financial-product-card__product-details__list-item">FDIC insured</li> </ul> </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="5ee78b82988ee3189771cb5b" data-analytics-product-brand="Charles Schwab Bank" data-analytics-product-name="Schwab Bank High Yield Investor Checking® Account" data-analytics-product-index="7" 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><p>The Schwab Bank High Yield Investor Checking Account is another good option if you'd like to open a checking account with a familiar brand. In particular, this account might be worth exploring if you already have a brokerage account with Charles Schwab — we've ranked it among the <a target="_blank" href="https://www.businessinsider.com/personal-finance/investing/best-online-brokerage" data-analytics-product-module="body_link" rel="">best brokerage accounts</a>.</p><p>This account's strongest feature is its ATM perks. Charles Schwab doesn't charge ATMs and offers unlimited refunds worldwide when an ATM provider charges a fee.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/charles-schwab-bank-review" data-analytics-product-module="body_link" rel=""><em>Charles Schwab Bank Review</em></a></p><h3 id="best-second-chance-bank-account" data-toc-id="9e9f1fc9-d9b3-4632-b02e-d969f51ab4f4" data-toc-label="Best Second Chance Bank Account" class="toc-anchor">Best Second Chance Banking Account: Chime Checking Account</h3> <div id="chime®-checking-account" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best second chance bank account </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Chime® Checking Account</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/z15b350fd71c" rel="nofollow noindex" data-analytics-product-id="5f2ae3395af6cc01d11fbfa6" data-analytics-product-brand="Chime®" data-analytics-product-name="Chime® Checking Account" data-analytics-product-index="8" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Start saving </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chime®'s website</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/z15b350fd71c" rel="nofollow noindex" data-analytics-product-id="5f2ae3395af6cc01d11fbfa6" data-analytics-product-brand="Chime®" data-analytics-product-name="Chime® Checking Account" data-analytics-product-index="8" 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/67a286a8eb4be2fff9a37ef9?width=400" alt="Chime® Chime® Checking Account"> <noscript> <img class="no-script" src="https://i.insider.com/67a286a8eb4be2fff9a37ef9?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f2ae3395af6cc01d11fbfa6-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.24546338300585036"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.24546338300585036)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4171080591428906"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4171080591428906)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4401772193349871"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4401772193349871)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9006077036735334"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9006077036735334)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.061123442612026624"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.061123442612026624)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </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 </strong> <p class="financial-product-card__perks-banner__text headline-regular">Get paid up to 2 days early with direct deposits</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> <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 9" data-analytics-product-id="5f2ae3395af6cc01d11fbfa6" data-analytics-product-brand="Chime®" data-analytics-product-name="Chime® Checking Account" data-analytics-product-index="8" 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>No minimum opening deposit</span></li> <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>No monthly service fees</span></li> <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>Receive your paycheck up to 2 days early</span></li> <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>Rounds debit card purchases up to the nearest dollar and puts spare change in your Chime Savings Account</span></li> <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>No overdraft fees for overdrafts up to $200 with SpotMe®, if you qualify</span></li> <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>No foreign transaction fees</span></li> <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>Request checks be sent to recipients online</span></li> <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>Can deposit cash at select retailers</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <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>$2.50 out-of-network ATM fee</span></li> <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>No overdraft protection for overdrafts exceeding $200</span></li> <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>No physical checkbook</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Chime has one of the best checking accounts out there, but it doesn't offer joint accounts or pay the best savings rate. Its strongest feature is that it's great for people who might not qualify to open accounts elsewhere — it doesn't check your credit score or banking history when you apply for a checking account, savings account, or credit card. It also provides several credit-building tools.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chime-bank-review" data-analytics-product-id="5f2ae3395af6cc01d11fbfa6" data-analytics-product-brand="Chime®" data-analytics-product-name="Chime® Checking Account" data-analytics-product-index="8" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Chime Checking Account <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Get paid up to 2 days early with direct deposits</li> <li class="financial-product-card__product-details__list-item">60,000+ free ATMs nationwide through MoneyPass® and Visa® Plus Alliance</li> <li class="financial-product-card__product-details__list-item">Free cash deposits at Walgreens; May deposit cash at other select retail locations but you may be charged a fee</li> <li class="financial-product-card__product-details__list-item">Rounds debit card purchases up to the nearest dollar and moves spare change into your Chime Savings Account</li> <li class="financial-product-card__product-details__list-item">Qualify for SpotMe® overdraft protection by receiving $200 in direct deposits per month</li> <li class="financial-product-card__product-details__list-item">Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.</li> </ul> </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="5f2ae3395af6cc01d11fbfa6" data-analytics-product-brand="Chime®" data-analytics-product-name="Chime® Checking Account" data-analytics-product-index="8" 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><p>The Chime Checking Account is a solid banking account with easy opening requirements. You might like this account, in particular, if you've struggled to open a banking account in the past due to your banking history. This account does not require a credit check or review by <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/what-is-chexsystems" data-analytics-product-module="body_link" rel="">ChexSystems</a>.</p><p>Chime also may be worthwhile if your goal is to avoid common bank fees. The online banking platform doesn't charge monthly service fees, overdraft fees, or foreign transaction fees.</p><p>That said, Chime's SpotMe® feature does have some limitations. The account only lets you overdraw by up to $200 and to be eligible for this perk, you must receive at least $200 in direct deposits monthly. If you try to overdraw by more than $200, the transaction won't be processed. Instead, it'll just be denied.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/chime-bank-review" data-analytics-product-module="body_link" rel=""><em>Chime Review</em></a></p><h3 id="best-for-military-members-and-family" data-toc-id="def07baf-4d6e-44dd-aa75-58d938d2cee2" data-toc-label="Best for Military Members and Family" class="toc-anchor">Best for Military Members and Family: Service Everyday Checking Account</h3> <div id="service-everyday-checking-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 ">Service Everyday Checking Account</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/service-credit-union-review" data-analytics-product-id="5f6cd1868fc39771975c2762" data-analytics-product-brand="Service Credit Union" data-analytics-product-name="Service Everyday Checking Account" data-analytics-product-index="9" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" rel=""> Read Review </a> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/service-credit-union-review" data-analytics-product-id="5f6cd1868fc39771975c2762" data-analytics-product-brand="Service Credit Union" data-analytics-product-name="Service Everyday Checking Account" data-analytics-product-index="9" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" rel=""> <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/5f6cc892c4049200115cb6da?width=400" alt="Service Credit Union Service Everyday Checking Account"> <noscript> <img class="no-script" src="https://i.insider.com/5f6cc892c4049200115cb6da?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f6cd1868fc39771975c2762-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3156546027843856"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3156546027843856)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.06863037449256715"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.06863037449256715)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.36399592293589556"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.36399592293589556)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8811113448749786"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8811113448749786)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8321744695848126"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8321744695848126)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </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> <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 8" data-analytics-product-id="5f6cd1868fc39771975c2762" data-analytics-product-brand="Service Credit Union" data-analytics-product-name="Service Everyday Checking Account" data-analytics-product-index="9" 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>No minimum opening deposit</span></li> <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>No monthly service fees</span></li> <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>No out-of-network ATM fee</span></li> <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>Earn up to $30 per month in out-of-network ATM refunds, depending on tier level</span></li> <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>Earn up to 0.75% discount on certain loans, depending on tier level</span></li> <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>Get paid up to 2 days early</span></li> <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>Transfer funds from savings for overdraft protection</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <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>No ATM fee refunds or loan discounts for Basic tier</span></li> <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>Limited fee refunds and loan discounts for Direct Deposit tier</span></li> <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>$5 overdraft transfer fee (no fee for Direct Deposit + tier)</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/banking/service-credit-union-review" data-analytics-product-id="5f6cd1868fc39771975c2762" data-analytics-product-brand="Service Credit Union" data-analytics-product-name="Service Everyday Checking Account" data-analytics-product-index="9" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Service Everyday Checking Account <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council</li> <li class="financial-product-card__product-details__list-item">Branches and ATMs in the US and Europe</li> <li class="financial-product-card__product-details__list-item">Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +</li> <li class="financial-product-card__product-details__list-item">Basic doesn't reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans</li> <li class="financial-product-card__product-details__list-item">Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month</li> <li class="financial-product-card__product-details__list-item">Federally insured by the NCUA</li> </ul> </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="5f6cd1868fc39771975c2762" data-analytics-product-brand="Service Credit Union" data-analytics-product-name="Service Everyday Checking Account" data-analytics-product-index="9" 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><p>The Service Everyday Checking Account is the best checking account for military members and families. It has a $0 minimum opening deposit and no monthly service fee, which are more convenient opening requirements than other financial institutions.</p><p>The Service Everyday Checking Account also has three tiers: Basic, Direct Deposit, and Direct Deposit+. The basic checking account is the first tier and occurs when you open the account. If you set up a monthly direct deposit of your net pay, you can qualify for Direct Deposit. Under the Direct Deposit tier, you can get paid up to two days early through direct deposit, qualify for discounts on auto, personal, and motorcycle loans, and get up to $15 in ATM fee refunds per month.</p><p>If you also make five or more payment or transactions per month, you'll qualify for Direct Deposit+, which lets you receive a slightly higher discount on loans and up to $30 per month in ATM fee reimbursements.</p><p>As a credit union, membership eligibility is required to open the Service Everyday Checking Account. You can join Service Credit Union as an active or veteran military member, or as a current or former Department of Defense employee. Citizens of New Hampshire or parts of Massachusetts are eligible. You can also join if you're a family member of someone who qualifies.</p><p><a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/service-credit-union-review" data-analytics-product-module="body_link"><em><u>Service Credit Union Review</u></em></a></p><h3 id="best-for-students" data-toc-id="df6264af-fe7c-41ef-bee8-c42b9c703415" data-toc-label="Best for Students" class="toc-anchor">Best for Students: Capital One MONEY Teen Checking Account</h3> <div id="capital-one-money-teen-checking-account" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for students </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Capital One MONEY Teen Checking Account</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-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/61faf4bc4e4b5500188bb0a7?width=400" alt="Capital One Capital One MONEY Teen Checking Account"> <noscript> <img class="no-script" src="https://i.insider.com/61faf4bc4e4b5500188bb0a7?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="620ff77d5251d70012bfd87b-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7529060785446411"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7529060785446411)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.20406724584401248"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.20406724584401248)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.19099590387272092"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.19099590387272092)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8997741800544674"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8997741800544674)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4796030132377669"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4796030132377669)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.75<span>/5</span></span> </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">0.10%</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> <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 12" data-analytics-product-id="620ff77d5251d70012bfd87b" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One MONEY Teen Checking Account" data-analytics-product-index="10" 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>No minimum opening deposit</span></li> <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>No monthly service fees</span></li> <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>Debit card included</span></li> <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>No overdraft fees</span></li> <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>No out-of-network ATM fees</span></li> <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>Free overdraft protection</span></li> <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>24/7 live chat</span></li> <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>Earns interest</span></li> <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>Budgeting tools and alters to help teens save</span></li> <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>Parental monitoring features to track spending</span></li> <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>Link your Capital One account to any checking account</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <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>Limited access to customer service by phone</span></li> <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>No reimbursements if you're charged by an out-of-network ATM</span></li> </ul> </div> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Over 470 branches in NY, LA, TX, MD, VA, NJ, and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Once teen turns 18 they can open a 360 Checking account</li> <li class="financial-product-card__product-details__list-item">Interest compounded and deposited monthly</li> <li class="financial-product-card__product-details__list-item">FDIC insured</li> </ul> </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="620ff77d5251d70012bfd87b" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One MONEY Teen Checking Account" data-analytics-product-index="10" 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><p>The Capital One MONEY Teen Checking Account is a strong online-only banking option for any minor that's age 8 or older. It has a $0 minimum opening deposit and no monthly service fee. The teen checking account also pays 0.10% APY.</p><p>Parents don't need a Capital One account to get a teen checking account for their child. They can link an external bank account instead.</p><p>The Capital One MONEY Teen Checking Account can't be opened at a Capital One location. It's only available online.</p><h2 id="7772aacf-0a90-471e-be35-1d0b8be87081" data-toc-id="7772aacf-0a90-471e-be35-1d0b8be87081">Checking Account Trustworthiness and BBB Ratings</h2><p>We assess the ethics of each company, so you can see if a specific financial institution aligns with your values.</p><p>We 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 assigns companies grades, ranging from F to A+. A strong BBB score indicates a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.</p><p>Here are the BBB grades for our top picks:</p><div class="horizontal-scroll"><table style="min-width: 50px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold">Institution</td><td class="headline-regular headline-semibold">BBB</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Capital One 360</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 Bank</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Discover</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Alliant Credit Union</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Ally</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Charles Schwab</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Chime</td><td colspan="1" rowspan="1" class="headline-regular">B-</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Service Credit Union</td><td colspan="1" rowspan="1" class="headline-regular">B+</td></tr></tbody></table></div><p><a target="_blank" rel="noopener nofollow" class="" href="https://www.bbb.org/us/ca/san-francisco/profile/financial-technology/chime-financial-inc-1116-530173" data-analytics-product-module="body_link">Chime's B- rating</a> is due to government action taken against hte company and a high volume of customer complaints on the BBB website.</p><p>Security Service Federal Credit Union has a <a target="_blank" rel="noopener nofollow" href="https://www.bbb.org/us/tx/san-antonio/profile/credit-union/security-service-federal-credit-union-0825-15275" data-analytics-product-module="body_link">B rating</a> from the BBB because it has not resolved a few customer complaints.</p><p>A strong BBB grade doesn't guarantee you'll have a smooth relationship with a company, though.</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><p>In January 2025, <a target="_blank" rel="" class="" href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-capital-one-for-cheating-consumers-out-of-more-than-2-billion-in-interest-payments-on-savings-accounts/" data-analytics-product-module="body_link"><u>the Consumer Financial Protection Bureau sued Capital One</u></a>. The CFPB says that Capital One unlawfully misled customers about what the best interest rate was on Capital One savings accounts, leading to consumers missing out on more than $2 billion in interest payments.</p><p>Capital One had an account called 360 Savings. In 2019, Capital One created the new 360 Performance Savings Account, which paid a much higher interest rate. Many customers thought their old savings accounts would transition into this new one, but in reality, they had to open a new 360 Performance Savings Account to earn the higher rate.</p><h2 id="dd816ec8-b35b-4664-999c-32ee9add5ae4" data-toc-id="dd816ec8-b35b-4664-999c-32ee9add5ae4">How to Open a Checking Account</h2><p>If you want to know <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/how-to-open-checking-account" data-analytics-product-module="body_link" rel="">how to open a checking account</a>, here are a few steps to follow:</p><ol><li>Research a variety of different types of checking accounts to find which is the most suitable for your needs.</li><li>Once you've narrowed it down to your top pick, gather everything you need to open a bank account. Most banks require a government-issued ID, social security number, and proof of address. Some banks allow <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/banks-credit-unions-for-immigrants-non-us-citizens" rel="">immigrants and non-U.S. citizens to open an account</a> with a Matricula Consular or foreign passport, though.</li><li>Visit a local branch or go on the bank website to fill out the checking account applicable.</li><li>Make an opening deposit to your checking account.</li></ol><h2 id="7e180a63-1687-4ef9-a0b0-2b1a2503e1e2" data-toc-id="7e180a63-1687-4ef9-a0b0-2b1a2503e1e2">Online vs. Traditional Checking Accounts</h2><p>Online checking accounts are managed primarily through online and mobile banking. In comparison, traditional checking accounts are available at brick-and-mortar banks. You can visit local branches to conduct everyday transactions and speak to a banker.</p><p>Most of our top picks are online checking accounts because they charge minimal bank fees. Traditional checking accounts often have minimum balance requirements to waive a monthly service fee or earn interest.</p><p>There are other online checking account benefits that make these accounts strong options overall, including high interest rates and cash-back perks. </p><h2 id="f0b7c78d-21a5-4ee5-953f-e331094104d4" data-toc-id="f0b7c78d-21a5-4ee5-953f-e331094104d4">Different Types of Checking Accounts</h2><p>There are five types of checking accounts: regular checking accounts, high-interest checking accounts, cash-back checking accounts, and specialty checking accounts. Here's an overview of each type of checking account:</p><ul><li><strong>Regular checking:</strong> These are the standard checking accounts that you'd find at a brick-and-mortar bank.</li><li><strong>High-interest checking:</strong> A high-interest checking account helps you earn interest on your checking account balance. High-interest checking accounts are commonly found at online banks or credit unions.</li><li><strong>Cash-back checking:</strong> Cash-back checking accounts offer a percentage of cash back on debit card purchases.</li><li><strong>Specialty checking: </strong>These are checking accounts specifically tailored for a particular demographic. For example, some banks offer student checking accounts or senior checking accounts. You can also find bank accounts that align with your values. For example, some of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-environmentally-friendly-banks" rel="">best eco-friendly banks</a> offer checking accounts that let you donate money to progressive organizations while also having commitments to improve the environment.</li><li><strong>Second chance checking: </strong>These are checking accounts that do not use ChexSystems. You might be denied from opening a bank account if you have a negative banking history at ChexSystems. These bank accounts allow you to still have banking access regardless of your past.</li></ul><p>The best checking account for you may hinge on your banking preferences and goals. For example, if you regularly maintain a high checking account balance, the best high-yield checking accounts may be appealing options. </p><h2 id="faqs" data-toc-id="4ca8a20e-730f-4539-bf12-055ff7ac0f61" data-toc-label="FAQs" class="toc-anchor">Best Checking Account 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 makes a checking account "the best"? </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">The best checking accounts are no-fee checking account options. They have minimal bank fees, like monthly service, <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/overdraft-fees-what-banks-charge" data-analytics-product-module="body_link" rel="">overdraft fees</a>, and out-of-network ATMs. The most suitable option for you might also depend on whether you're looking for special perks, like a cash bonus, interest, or cash-back rewards.</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"> Can I open a checking account online? </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, many financial institutions allow you to open a checking account online. You'll still need to provide basic information to open your bank account, like your full name and address. Most financial institutions also require you to provide a Social Security number or individual taxpayer identification number.</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 important are ATM networks when choosing a 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">ATM networks may be important when choosing a checking account if you frequently need access to cash. Generally, local financial institutions have the smallest ATM networks, followed by regional banks. National banks usually offer their own ATM network or are partnered with a national network like Allpoint.</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"> Do checking accounts earn interest? </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, many banks have interest-earning checking accounts. You might need to maintain a certain account balance or make frequent debit card transactions to earn interest.</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"> What should I do if I'm unhappy with my current 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">If you're unhappy with your current checking account, compare other banks and see if another is more suitable. Switching banks may be the best option if you aren't satisfied with your overall banking experience.</p> </div> </div> </div><h2 id="why-you-should-trust-us" data-toc-id="ecd859a7-defc-4f23-b058-6a371657d0fd" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: Our Expert Panel for the Best 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 are some good qualities to 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-71423-20&h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&platform=browser&postID=669fab25c79d31931d819378&postSlug=personal-finance%2Fbanking%2Fbest-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,</strong><a target="_blank" rel="" href="https://www.businessinsider.com/author/sophia-acevedo" data-analytics-product-module="body_link"><strong>Business Insider</strong></a><strong>:</strong></p><p>"I would look for a checking account that either doesn't have any monthly service 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 find the right bank?</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 Amex."</p><h3 id="938a5121-5a86-464e-88c7-f2f35f318b3c" data-toc-id="938a5121-5a86-464e-88c7-f2f35f318b3c"><strong>Methodology: How We Determined the Best Checking Accounts</strong></h3><p>At Business Insider, we strive to help smart people make the best decisions with their money. We spent hours comparing and contrasting the features and fine print of 200 checking accounts, so you don't have to.</p><p>Business Insider's personal finance team is editorially independent, which means our business team does not decide how we cover products and what we write about. Read more about how we rate and review products on our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" data-analytics-product-module="body_link" rel="">editorial standards page</a>.</p><p>We understand that "best" is often subjective, however, so in addition to highlighting the clear benefits of a checking account — no fees, for example — we outline the limitations, too.</p><p>We considered 200 checking account offerings using our <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/methodology" data-analytics-product-module="body_link" rel="">bank account methodology</a> to determine the strongest options for the best checking accounts.</p><p>We gave precedence to no-monthly-fee checking accounts or those with the option to waive monthly fees with qualifying activities, overdraft protection options, widespread ATM access and/or reimbursement for ATM fees, and mobile banking capabilities. </p><p>We rate bank products on a scale from one to five stars. If a checking account has a rating of one star, that's the lowest possible, and it means the bank account requires significant improvement. If a checking account has five stars, that's the highest rating possible, and it's considered a superior option.</p><p>For checking accounts, we look at minimum opening deposit requirements, monthly service fees, overdraft protection options, ATM network/fees, customer support availability, mobile app ratings, miscellaneous features and overall ethics and security of the company. We score each of these features on a scale of zero to five, then calculate the weighted average to get an account's final rating.</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-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>She's also covered the the following stories during her time at Business Insider: </span><ul><li><span><a href="https://www.businessinsider.com/personal-finance/banking/best-budgeting-apps" rel="">Best budgeting apps</a></span></li><li><span><a href="https://www.businessinsider.com/personal-finance/banking/best-banks" rel="">Best banks</a></span></li><li><span><a href="https://www.businessinsider.com/personal-finance/banking/how-much-should-i-save-each-month" rel="">How much should I save each month</a></span></li><li><span><a href="https://www.businessinsider.com/personal-finance/banking/what-happens-if-my-bank-fails" rel="">What happens if your bank fails</a></span></li><li><span><a href="https://www.businessinsider.com/personal-finance/banking/savings-rate-forecast" rel="">2025 savings rate forecast</a></span></li></ul><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/u8327de6ed05" 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="SoFi® Checking and Savings (Member FDIC)" 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/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" 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="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <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">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% 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 SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" 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="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <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> <p class="body-italic"><p style="font-size:12px;"><em>Chime® Disclosures:</em></p> <p style="font-size:12px;"><em>Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.</em></p> <p style="font-size:12px;"><em>Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.</em></p> <p style="font-size:12px;"><em>Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.</em></p> <p style="font-size:12px;"><em>The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.</em></p> <p style="font-size:12px;"><em>Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.</em></p> <p style="font-size:12px;"><em>SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.</em></p> <p style="font-size:12px;"><em>Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.</em></p> <p style="font-size:12px;"><em>The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.</em></p> <p style="font-size:12px;"><em>On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. </em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>*Annual Percentage Yield (APY). Dividends earned for first 12 months from membership open date and assume no withdrawal activity during that period. Earnings example based on a $15,000 daily average balance. Assumes Level 2 qualifications are met with earning 8.00% APY for first 3 months after account opening and 4.00% APY for remaining 9 months after account opening.</em></p> <p style="font-size:14px;"><em>**New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking#1. SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% 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 1.00% 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 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.</em></p> <p style="font-size:14px;"><em>***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.</em></p> <p style="font-size:14px;"><em>****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).</em></p></p> </div> </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={"subscription_experience":"bi_value_unassigned","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! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. 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