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browser to finish rendering before scrolling. setTimeout((function() { window.scrollTo(0, offset - 0) }), 0) } } }) </script><title data-rh="true">Best High-Yield Checking Accounts for November 2024 | TIME Stamped</title><link data-rh="true" rel="canonical" href="https://time.com/personal-finance/article/best-high-yield-checking-accounts/"/><script data-rh="true" id="page-metadata">(function(data){window.Venus=window.Venus||{};window.Venus.pageMetadata=data;})({"title":"Best High-Yield Checking Accounts for November 2024","description":"High-yield checking accounts let you earn interest on your idle cash. Find the best high-interest checking accounts here.\n","canonical":"https://time.com/personal-finance/article/best-high-yield-checking-accounts/","image":"https://time.com/personal-finance/static/4202051f6e8514dbd4718e3fde242e13/8ae18/high-yield-checking-accounts.jpg","createdAt":"2023-09-23T18:38:10.882Z","publishedAt":null,"updatedAt":"2024-11-13T08:16:40.582Z","section":"personal-finance","author":"Eric Rosenberg","category":"Banking"})</script><script data-rh="true" type="application/ld+json">{ "@context": "https://schema.org", "@type": "Article", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://time.com/personal-finance/article/best-high-yield-checking-accounts/" }, "headline": "Best High-Yield Checking Accounts for November 2024 · TIME Stamped: Personal Finance Made Easy", "image": [ "https://time.com/personal-finance/static/4202051f6e8514dbd4718e3fde242e13/8ae18/high-yield-checking-accounts.jpg" ], "datePublished": "2023-09-23T18:38:10.882Z", "dateModified": "2024-11-13T08:16:40.582Z", "author": [ { "@type": "Person", "name": "Eric Rosenberg" } ], "publisher": { "@type": "Organization", "name": "TIME Stamped: Personal Finance Made Easy", "logo": { "@type": "ImageObject", "url": "https://time.com/personal-finance/logo.svg" } }, "description": "High-yield checking accounts let you earn interest on your idle cash. 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bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="More in Money Market"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="sc-gEvEer jrVqwj" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M4.646 1.646a.5.5 0 01.708 0l6 6a.5.5 0 010 .708l-6 6a.5.5 0 01-.708-.708L10.293 8 4.646 2.354a.5.5 0 010-.708z" clip-rule="evenodd"></path></svg></button></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><span>Banks</span><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="More in Banks"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="sc-gEvEer jrVqwj" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M4.646 1.646a.5.5 0 01.708 0l6 6a.5.5 0 010 .708l-6 6a.5.5 0 01-.708-.708L10.293 8 4.646 2.354a.5.5 0 010-.708z" clip-rule="evenodd"></path></svg></button></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Checking</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/how-many-checking-accounts-should-you-have/">How Many Checking Accounts Can I Have</a></li><li 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href="/personal-finance/article/best-prepaid-debit-cards/">Best Prepaid Debit Cards</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Savings</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-a-savings-account/">What Is A Savings Account</a></li><li 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Kids</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">CDs</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-a-certificate-of-deposit/">What Is A CD Account</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-cd-rates/">Best CD Rates</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-3-month-cd-rates/">Best 3-Month CD Rates</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-6-month-cd-rates/">Best 6-Month CD Rates</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-1-year-cd-rates/">Best 1-Year CD Rates</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/2-year-cd-rates/">Best 2-Year CD Rates</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-5-year-cd-rates/">Best 5-Year CD Rates</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button 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href="/personal-finance/article/best-debt-consolidation-loans/">Best Debt Consolidation Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-fast-personal-loans-for-quick-cash/">Best Quick Loans for Fast Cash</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-vacation-loans/">Best Vacation Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-wedding-loans/">Best Wedding Loans</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" 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href="/personal-finance/article/should-you-refinance-your-student-loan/">When to Refinance Student Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/student-loan-interest-rates/">Best Student Loan Rates</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-private-student-loans/">Best Private Student Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-student-loan-refinance-companies/">Best Student Loan Refinance Companies</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 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href="/personal-finance/article/home-equity-loan-vs-heloc/">Home Equity Loan vs HELOC</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/heloc-on-investment-property/">Heloc on Investment Property</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/are-home-equity-loans-tax-deductible/">Is HELOC Interest Deductible</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-heloc-rates/">Best HELOC Rates</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" 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href="/personal-finance/article/best-renters-insurance/">Best Renters Insurance Companies</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Life</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/types-of-life-insurance/">Types of Life Insurance</a></li><li 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Companies</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Pet</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/is-pet-insurance-worth-it/">What Is Pet Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-the-cost-of-pet-insurance/">How Much Is Pet Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-pet-insurance/">Best Pet Insurance Companies</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-pet-insurance-for-multiple-pets/">Best Pet Insurance for Multiple Pets</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/pet-wellness-plans/">Pet Wellness Plans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/pet-dental-insurance/">Best Pet Dental Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/lemonade-insurance-review/">Lemonade Insurance Review</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Travel</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-travel-insurance/">What Is Travel Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/how-much-is-travel-insurance/">How Much Is Travel Insurance</a></li><li 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189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z"></path></svg></span></button></div><div class="desktop-drawer__SectionWrapper-sc-3qwbjs-3 cyLWXH"><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Earn money</h3><ul><li><a alt="Passive Income Ideas" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/passive-income-ideas/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Passive Income Ideas</span></div></a></li><li><a alt="How to Make Money Fast" class="list-item__Link-sc-1om8alm-0 dEAiPb" 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Apps</span></div></a></li><li><a alt="Best Money Making Apps" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-money-making-apps/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Money Making Apps</span></div></a></li><li><a alt="Best Money Saving Apps" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-money-saving-apps/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Money Saving Apps</span></div></a></li><li><a alt="Quicken Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/quicken-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Quicken Review</span></div></a></li><li><a alt="Rocket Money Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/rocket-money-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Rocket Money Review</span></div></a></li><li><a alt="YNAB Review" 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fmzLYm"><span>What Is A Fair Credit Score</span></div></a></li><li><a alt="What Is A Good Credit Score" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-good-credit-score/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Good Credit Score</span></div></a></li><li><a alt="How to Improve Credit Score" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-improve-your-credit-score-fast/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Improve Credit Score</span></div></a></li><li><a alt="Credit Score to Buy A House" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-credit-score-do-i-need-to-buy-a-house/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Credit Score to Buy A House</span></div></a></li><li><a alt="Credit Score to Buy A Car" class="list-item__Link-sc-1om8alm-0 dEAiPb" 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dEAiPb" href="/personal-finance/article/best-hotel-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Hotel Credit Cards</span></div></a></li><li><a alt="Amex Rewards Guide" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/amex-membership-rewards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Amex Rewards Guide</span></div></a></li><li><a alt="Citi Rewards Guide" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/citi-thankyou-rewards-program-guide/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Citi Rewards Guide</span></div></a></li><li><a alt="Chase Ultimate Rewards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/chase-transfer-partners/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Chase Ultimate Rewards</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Business</h3><ul><li><a alt="Best Business Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Credit Cards</span></div></a></li><li><a alt="Best Small Business Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-small-business-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Small Business Credit Cards</span></div></a></li><li><a alt="Amex Business Platinum vs. Chase Business Ink Preferred" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/amex-business-platinum-vs-chase-ink-preferred/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Amex Business Platinum vs. Chase Business Ink Preferred</span></div></a></li><li><a alt="Capital One Spark Cash Plus vs. Ink Business Cash" class="list-item__Link-sc-1om8alm-0 dEAiPb" 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class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/consolidate-credit-card-debt/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Consolidate Credit Card Debt</span></div></a></li><li><a alt="Best Low Interest Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-low-interest/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Low Interest Credit Cards</span></div></a></li><li><a alt="Best 0% APR Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-0-apr-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 0% APR Credit Cards</span></div></a></li><li><a alt="Citi Double Cash Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/citi-double-cash-card-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Citi Double Cash Review</span></div></a></li><li><a alt="Amex Blue Cash Everyday Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/amex-blue-cash-everyday-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Amex Blue Cash Everyday Review</span></div></a></li><li><a alt="Citi Custom Cash Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/citi-custom-cash-card-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Citi Custom Cash Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Build Credit</h3><ul><li><a alt="Best No Annual Fee Credit Cards " class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-no-annual-fee/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best No Annual Fee Credit Cards </span></div></a></li><li><a alt="Best Credit Cards for Beginners" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/credit-cards-for-beginners/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Beginners</span></div></a></li><li><a alt="Best Unsecured Cards for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/unsecured-credit-cards-bad-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Unsecured Cards for Bad Credit</span></div></a></li><li><a alt="Best Secured Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-secured-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Secured Credit Cards</span></div></a></li><li><a alt="Best Credit Cards for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-bad-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Bad Credit</span></div></a></li><li><a alt="Best Credit Cards for Fair Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-fair-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Fair Credit</span></div></a></li><li><a alt="Best Credit Cards for Students " class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-students/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Students </span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Issuers/Networks</h3><ul><li><a alt="Best Credit Cards in 2024" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards in 2024</span></div></a></li><li><a alt="Best Capital One Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-capital-one-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Capital One Credit Cards</span></div></a></li><li><a alt="Best Discover Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-discover-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Discover Credit Cards</span></div></a></li><li><a alt="Best Citi Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-citi-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Citi Credit Cards</span></div></a></li><li><a alt="Best Chase Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-chase-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Chase Credit Cards</span></div></a></li><li><a alt="Best Amex Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-american-express-card/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Amex Credit Cards</span></div></a></li><li><a alt="Best Mastercard Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-mastercard-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Mastercard Credit Cards</span></div></a></li><li><a alt="Best Visa Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-visa-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Visa Credit Cards</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Checking</h3><ul><li><a alt="How Many Checking Accounts Can I Have" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-many-checking-accounts-should-you-have/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Many Checking Accounts Can I Have</span></div></a></li><li><a alt="Best Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Checking Accounts</span></div></a></li><li><a aria-current="page" alt="Best High Yield Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-high-yield-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best High Yield Checking Accounts</span></div></a></li><li><a alt="Best Rewards Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-rewards-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Rewards Checking Accounts</span></div></a></li><li><a alt="Best Business Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Checking Accounts</span></div></a></li><li><a alt="Best Joint Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-joint-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Joint Checking Accounts</span></div></a></li><li><a alt="Best Prepaid Debit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-prepaid-debit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Prepaid Debit Cards</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Savings</h3><ul><li><a alt="What Is A Savings Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-savings-account/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Savings Account</span></div></a></li><li><a alt="What Is APY" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-apy/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is APY</span></div></a></li><li><a alt="Types of Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Savings Accounts</span></div></a></li><li><a alt="Best High Yield Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-high-yield-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best High Yield Savings Accounts</span></div></a></li><li><a alt="Best Business Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Savings Accounts</span></div></a></li><li><a alt="Best Student Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-student-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Savings Accounts</span></div></a></li><li><a alt="Best Savings Accounts for Kids" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-savings-accounts-for-kids/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Savings Accounts for Kids</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">CDs</h3><ul><li><a alt="What Is A CD Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-certificate-of-deposit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A CD Account</span></div></a></li><li><a alt="Best CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best CD Rates</span></div></a></li><li><a alt="Best 3-Month CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-3-month-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 3-Month CD Rates</span></div></a></li><li><a alt="Best 6-Month CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-6-month-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 6-Month CD Rates</span></div></a></li><li><a alt="Best 1-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-1-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 1-Year CD Rates</span></div></a></li><li><a alt="Best 2-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/2-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 2-Year CD Rates</span></div></a></li><li><a alt="Best 5-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-5-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 5-Year CD Rates</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Money Market</h3><ul><li><a alt="What Is A Money Market Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-money-market-account/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Money Market Account</span></div></a></li><li><a alt="Money Market vs CD" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/money-market-vs-cd/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Money Market vs CD</span></div></a></li><li><a alt="Best Money Market Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-money-market-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Money Market Accounts</span></div></a></li><li><a alt="Business Money Market Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/business-money-market-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Business Money Market Accounts</span></div></a></li><li><a alt="Best Jumbo Money Market Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-jumbo-money-market-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Jumbo Money Market Rates</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Banks</h3><ul><li><a alt="U.S. Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/u-s-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>U.S. Bank Review</span></div></a></li><li><a alt="CIT Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/cit-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>CIT Bank Review</span></div></a></li><li><a alt="Chase Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/chase-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Chase Bank Review</span></div></a></li><li><a alt="Capital One Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/capital-one-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Capital One Bank Review</span></div></a></li><li><a alt="Discover Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/discover-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Discover Bank Review</span></div></a></li><li><a alt="Ally Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ally-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Ally Bank Review</span></div></a></li><li><a alt="PNC Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pnc-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>PNC Bank Review</span></div></a></li><li><a alt="Bask Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/bask-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Bask Bank Review</span></div></a></li><li><a alt="Axos Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/axos-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Axos Bank Review</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Personal</h3><ul><li><a alt="Best Banks for Personal Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-banks-for-personal-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Banks for Personal Loans</span></div></a></li><li><a alt="Best Loans for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-bad-credit-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Loans for Bad Credit</span></div></a></li><li><a alt="Best Debt Consolidation Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-debt-consolidation-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Debt Consolidation Loans</span></div></a></li><li><a alt="Best Quick Loans for Fast Cash" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-fast-personal-loans-for-quick-cash/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Quick Loans for Fast Cash</span></div></a></li><li><a alt="Best Vacation Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-vacation-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Vacation Loans</span></div></a></li><li><a alt="Best Wedding Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-wedding-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Wedding Loans</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Student</h3><ul><li><a alt="FAFSA Requirements" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/fafsa-requirements/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>FAFSA Requirements</span></div></a></li><li><a alt="Apply for Student Loan Forgiveness" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-apply-for-student-loan-forgiveness/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Apply for Student Loan Forgiveness</span></div></a></li><li><a alt="Subsidized vs Unsubsidized Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/subsidized-vs-unsubsidized-student-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Subsidized vs Unsubsidized Student Loans</span></div></a></li><li><a alt="When to Refinance Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/should-you-refinance-your-student-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>When to Refinance Student Loans</span></div></a></li><li><a alt="Best Student Loan Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/student-loan-interest-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Loan Rates</span></div></a></li><li><a alt="Best Private Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-private-student-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Private Student Loans</span></div></a></li><li><a alt="Best Student Loan Refinance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-student-loan-refinance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Loan Refinance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Auto</h3><ul><li><a alt="How Much Should My Car Payment Be" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-much-should-my-car-payment-be/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Should My Car Payment Be</span></div></a></li><li><a alt="How to Get a Preapproved Car Loan" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-get-a-preapproved-car-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Get a Preapproved Car Loan</span></div></a></li><li><a alt="How to Lower Your Car Payment" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-lower-your-car-payment/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Lower Your Car Payment</span></div></a></li><li><a alt="How to Refinance a Car Loan" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-refinance-a-car-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Refinance a Car Loan</span></div></a></li><li><a alt="Best Auto Loan Rates & Lenders" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-auto-loan-rates-and-lenders/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Auto Loan Rates & Lenders</span></div></a></li><li><a alt="Best Auto Refinance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-auto-loan-refinance-lenders/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Auto Refinance Companies</span></div></a></li><li><a alt="Bad Credit Auto Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/bad-credit-auto-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Bad Credit Auto Loans</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">LOC/HELOC</h3><ul><li><a alt="What Is a Line of Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-line-of-credit-and-how-does-it-work/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Line of Credit</span></div></a></li><li><a alt="What Is a Home Equity Line of Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Home Equity Line of Credit</span></div></a></li><li><a alt="HELOC Requirements" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan-or-heloc-requirements/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>HELOC Requirements</span></div></a></li><li><a alt="Home Equity Loan vs HELOC" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan-vs-heloc/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Home Equity Loan vs HELOC</span></div></a></li><li><a alt="Heloc on Investment Property" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/heloc-on-investment-property/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Heloc on Investment Property</span></div></a></li><li><a alt="Is HELOC Interest Deductible" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/are-home-equity-loans-tax-deductible/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Is HELOC Interest Deductible</span></div></a></li><li><a alt="Best HELOC Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-heloc-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best HELOC Rates</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Car</h3><ul><li><a alt="Diminished Value Claim" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/deminished-value-claim/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Diminished Value Claim</span></div></a></li><li><a alt="RV Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/rv-insurance-guide/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>RV Insurance</span></div></a></li><li><a alt="After A Hit And Run Accident" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-to-do-after-a-hit-and-run-car-accident/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>After A Hit And Run Accident</span></div></a></li><li><a alt="Car Insurance Deductible" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-car-insurance-deductible/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Car Insurance Deductible</span></div></a></li><li><a alt="Liability vs Full Coverage Car Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/liability-only-vs-full-coverage-car-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Liability vs Full Coverage Car Insurance</span></div></a></li><li><a alt="How to Get Car Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-get-car-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Get Car Insurance</span></div></a></li><li><a alt="Best Car Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-car-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Car Insurance Companies</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Home</h3><ul><li><a alt="What Is Renters Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-renters-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Renters Insurance</span></div></a></li><li><a alt="Do You Need Home Warranty" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/do-you-need-home-warranty/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Do You Need Home Warranty</span></div></a></li><li><a alt="Best Renters Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-renters-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Renters Insurance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Life</h3><ul><li><a alt="Types of Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Life Insurance</span></div></a></li><li><a alt="Whole Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-whole-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Whole Life Insurance</span></div></a></li><li><a alt="Term Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-term-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term Life Insurance</span></div></a></li><li><a alt="Universal Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-universal-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Universal Life Insurance</span></div></a></li><li><a alt="Term vs Whole Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/term-vs-whole-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term vs Whole Life Insurance</span></div></a></li><li><a alt="Term vs Permanent Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/term-vs-permanent-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term vs Permanent Life Insurance</span></div></a></li><li><a alt="Best Life Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-life-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Life Insurance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Pet</h3><ul><li><a alt="What Is Pet Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/is-pet-insurance-worth-it/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Pet Insurance</span></div></a></li><li><a alt="How Much Is Pet Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-the-cost-of-pet-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Is Pet Insurance</span></div></a></li><li><a alt="Best Pet Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-pet-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Insurance Companies</span></div></a></li><li><a alt="Best Pet Insurance for Multiple Pets" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-pet-insurance-for-multiple-pets/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Insurance for Multiple Pets</span></div></a></li><li><a alt="Pet Wellness Plans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pet-wellness-plans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Pet Wellness Plans</span></div></a></li><li><a alt="Best Pet Dental Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pet-dental-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Dental Insurance</span></div></a></li><li><a alt="Lemonade Insurance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/lemonade-insurance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Lemonade Insurance Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Travel</h3><ul><li><a alt="What Is Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Travel Insurance</span></div></a></li><li><a alt="How Much Is Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-much-is-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Is Travel Insurance</span></div></a></li><li><a alt="Best Travel Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-travel-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Travel Insurance Companies</span></div></a></li><li><a alt="Best Travel Insurance for Seniors" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-travel-insurance-for-seniors/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Travel Insurance for Seniors</span></div></a></li><li><a alt="Best CFAR Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cfar-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best CFAR Travel Insurance</span></div></a></li><li><a alt="Best Cruise Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cruise-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Cruise Travel Insurance</span></div></a></li><li><a alt="Travelers Insurance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/travelers-insurance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Travelers Insurance Review</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Trade</h3><ul><li><a alt="How Do Savings Bonds Work" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/savings-bonds-guide/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Do Savings Bonds Work</span></div></a></li><li><a alt="ETFs vs Stocks" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/stocks-vs-etfs/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>ETFs vs Stocks</span></div></a></li><li><a alt="Best Online Brokers" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-online-brokers/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Online Brokers</span></div></a></li><li><a alt="Best Investing Apps" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-investing-apps/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Investing Apps</span></div></a></li><li><a alt="Best Index Funds" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-index-funds/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Index Funds</span></div></a></li><li><a alt="Robinhood Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/robinhood-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Robinhood Review</span></div></a></li><li><a alt="J.P. Morgan Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/jp-morgan-investing-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>J.P. Morgan Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Retirement</h3><ul><li><a alt="How to Plan for Retirement" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-plan-for-retirement/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Plan for Retirement</span></div></a></li><li><a alt="What Is A Roth 401(k)" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-roth-401-k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Roth 401(k)</span></div></a></li><li><a alt="Average 401(k) Return" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/average-return-rate-on-401k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Average 401(k) Return</span></div></a></li><li><a alt="What Is a Backdoor Roth IRA" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/backdoor-roth-ira/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Backdoor Roth IRA</span></div></a></li><li><a alt="Best Roth IRA Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-roth-ira-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Roth IRA Accounts</span></div></a></li><li><a alt="Empower Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/empower-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Empower Review</span></div></a></li><li><a alt="M1 Finance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/m1-finance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>M1 Finance Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Alternative</h3><ul><li><a alt="How to Invest in Real Estate" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-in-real-estate/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest in Real Estate</span></div></a></li><li><a alt="Types of Real Estate Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-real-estate-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Real Estate Investments</span></div></a></li><li><a alt="How to Invest In Art" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-in-art/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest In Art</span></div></a></li><li><a alt="Best Alternative Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/alternative-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Alternative Investments</span></div></a></li><li><a alt="YieldStreet Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/yieldstreet-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>YieldStreet Review</span></div></a></li><li><a alt="RealtyMogul Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/realtymogul-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>RealtyMogul Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Strategies</h3><ul><li><a alt="Best Investments for Beginners" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-investments-for-beginners/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Investments for Beginners</span></div></a></li><li><a alt="Best Long Term Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-long-term-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Long Term Investments</span></div></a></li><li><a alt="How to Invest $1,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ways-to-invest-1k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $1,000</span></div></a></li><li><a alt="How to Invest $10,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ways-to-invest-10k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $10,000</span></div></a></li><li><a alt="How to Invest $20,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-20k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $20,000</span></div></a></li><li><a alt="How to Invest $50,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-50k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $50,000</span></div></a></li><li><a alt="How to Invest $100,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-way-to-invest-100k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $100,000</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Purchase</h3><ul><li><a alt="How to Buy a House" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-buy-a-house/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Buy a House</span></div></a></li><li><a alt="How to Get a Mortgage" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-get-a-mortgage/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Get a Mortgage</span></div></a></li><li><a alt="Best VA Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-va-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best VA Loans</span></div></a></li><li><a alt="Best Mortgage Lenders" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-mortgage-lenders/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Mortgage Lenders</span></div></a></li><li><a alt="Best 15-Year Mortgage Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-15-year-mortgage-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 15-Year Mortgage Rates</span></div></a></li><li><a alt="Best 30-Year Mortgage Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-30-year-mortgage-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 30-Year Mortgage Rates</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Refinance</h3><ul><li><a alt="How to Refinance Your Mortgage" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-refinance-your-mortgage/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Refinance Your Mortgage</span></div></a></li><li><a alt="Best Cash Out Refinance Mortgages" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cash-out-refinance-mortgages/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Cash Out Refinance Mortgages</span></div></a></li></ul></div></div></div></div></div></div></div></nav><span class="disclosure__StyledDisclosureWithGraphQL-sc-jz7pz2-0 jjUYQI 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class="MuiBreadcrumbs-li"><a class="link" href="/personal-finance/category/banking/">Banking</a></li></ol></nav><h1 class="hero___StyledH-sc-1ah6dyf-2 eufWfI">Best High-Yield Checking Accounts for November 2024</h1></div><div class="hero___StyledDiv2-sc-1ah6dyf-3 jppBqK"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained hero__Image-sc-1ah6dyf-0 fjeKhV"><div style="max-width:909px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='548'%20width='909'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#e8e8e8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" 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t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div><div class="image-credit___StyledDiv-sc-19n6y7h-0 fsbWzQ image-credit">iStock</div></div></main></div></div><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation0 default-layout__Paper-sc-16blu7k-2 hBinPW css-zmnxdm"><div class="default-layout__Container-sc-16blu7k-3 jkivry"><main class="default-layout__Main-sc-16blu7k-1 fTECoJ"><div class="article-template___StyledDiv-sc-53h2j6-0 gQgIsO"><div class="sc-ddjGPC bQPEoy"><div class="mdx-styled-renderer___StyledDiv-sc-1occper-0 mUBHZ"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation0 text-block__Paper-sc-lt00f8-0 fmvTfJ text-block__TextBlock-sc-1jvm6pm-0 jxoTFa alt-editors-note css-zmnxdm"><p>Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created by TIME Stamped, under TIME’s direction and produced in accordance with TIME’s editorial guidelines and overseen by TIME’s editorial staff. <a href="https://time.com/longform/about-time/" target="_self" rel="alternate">Learn more about it</a>.</p></div></div><div class="article-details___StyledDiv-sc-iyfyqp-2 cHOVSZ"><div class="article-details__AuthorContainer-sc-iyfyqp-1 chgvbT"><div class="article-details___StyledDiv2-sc-iyfyqp-3 csKPLZ"><span class="article-details___StyledSpan-sc-iyfyqp-4 iUjgwn"><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-iyfyqp-0 fOCth bJMeeh"><div class="name"><span role="link" tabindex="0"><span class="label-prefix">by<!-- --> </span><a href="/personal-finance/author/eric-rosenberg/">Eric Rosenberg</a></span></div></div><a title="Eric Rosenberg X account" aria-label="Go to Eric Rosenberg X account" class="article-details___StyledExternalLink-sc-iyfyqp-5 kKQLGV" href="https://x.com/ericprofits/" target="_blank" rel="nofollow"><svg xmlns="http://www.w3.org/2000/svg" width="15" height="15" fill="none" aria-hidden="true" viewBox="0 0 1200 1227" class="article-details___StyledFaTwitter-sc-iyfyqp-6 bvGzmI"><path fill="#000" d="M714.163 519.284 1160.89 0h-105.86L667.137 450.887 357.328 0H0l468.492 681.821L0 1226.37h105.866l409.625-476.152 327.181 476.152H1200L714.137 519.284zM569.165 687.828l-47.468-67.894-377.686-540.24h162.604l304.797 435.991 47.468 67.894 396.2 566.721H892.476L569.165 687.854z"></path></svg></a></span></div><div class="sc-bypJrT hhqlYB display-date"><span><span class="label-prefix">updated:<!-- --> </span><span>November 13, 2024</span></span></div></div><div class="article-details___StyledDiv3-sc-iyfyqp-7 ksspqw"><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-iyfyqp-0 fOCth bJMeeh"><div class="name"><span role="link" tabindex="0"><span class="label-prefix">edited by<!-- --> </span><a href="/personal-finance/author/erik-haagensen/">Erik Haagensen</a></span></div></div></div></div><div class="mdx-styled-renderer___StyledDiv-sc-1occper-0 mUBHZ sc-dSCufp hVIXKq"><p>If you have cash in a checking account, there’s a good chance you are not earning any interest, even if you have a large balance. While some <a href="https://time.com/personal-finance/article/the-best-checking-accounts/" target="_self" rel="alternate">checking accounts</a> pay little interest, a small group of accounts come with impressively high yields. While high-yield checking accounts usually fall short of high-yield savings, they can be a good option to earn more from your idle cash.</p> <h2 id="best-high-interest-checking-accounts-compared">Best high-interest checking accounts compared</h2> <div class="wrapper__Wrapper-sc-1nbwfq1-0 jMCZkI wrapper__StyledTableWrapper-sc-1lg67ad-0 cjPmCo"><table class="wrapper__Table-sc-1nbwfq1-1 iYXWdO not-prose"><thead class="wrapper__Thead-sc-1nbwfq1-2 kFLxGW"><tr class="wrapper__Tr-sc-1nbwfq1-4 oGfrp"><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Title</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">APY*</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Min. deposit</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Paper checks available</th><th class="wrapper__Th-sc-1nbwfq1-3 gUICYl table-header">Monthly fee</th></tr></thead><tbody class="wrapper__Tbody-sc-1nbwfq1-5 kklmFK"><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?id=gfjPCdU7qBg&offerid=1585779.18&subid=0&type=3" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Axos Rewards Checking</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">Up to 3.30%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN description field"><div class="value">Yes</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?bids=1019123.3&id=gfjPCdU7qBg&offerid=1019123.3&subid=0&type=3" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Quontic High Interest Checking</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">1.10%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$100</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN description field"><div class="value">Yes</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://upgrade.ywhcc7.net/rewards-checking?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Upgrade Rewards Checking</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">Up to 2% cash back plus up to 4.41% APY with paired savings account</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN description field"><div class="value">No</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://secure.money.com/pr/dd5f491804c7?s1=TIME" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Sofi Online Checking Account</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">0.50% (though 4.20% can be earned on savings account balances)</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN description field"><div class="value">Yes</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://www.jdoqocy.com/click-100814497-14468706" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">CIT eChecking</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">0.25% with a balance of $25,000 or more; 0.10% with a balance of under $25,000</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$100</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN description field"><div class="value">No</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://consumer-credit-union.4cna.net/c/2654511/1633071/9094?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Consumers Credit Union Rewards Checking</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">Up to 5.00%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$5</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN description field"><div class="value">Yes</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://www.tkqlhce.com/click-100814497-15778322" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">First Tech Federal Credit Union Rewards Checking®</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">Rate of 3.75% APY up to $15,000; 0.05% $15,000.01+</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$10</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN description field"><div class="value">Yes</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr></tbody></table></div> <h2 id="our-recommendations-for-best-high-yield-checking-accounts">Our recommendations for best high yield checking accounts</h2> <h3>Best for active banking customers: <a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?id=gfjPCdU7qBg&offerid=1585779.18&subid=0&type=3" target="_blank" rel="nofollow">Axos Rewards Checking Account</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='200'%20width='560'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/4cf61/axos.webp 140w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/514b4/axos.webp 280w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/a8374/axos.webp 560w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/57d28/axos.webp 1120w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Axos Bank" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/3bdde/axos.png" data-srcset="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/fcb50/axos.png 140w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/dd079/axos.png 280w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/3bdde/axos.png 560w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/a8f08/axos.png 1120w" alt="Axos Bank"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/4cf61/axos.webp 140w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/514b4/axos.webp 280w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/a8374/axos.webp 560w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/57d28/axos.webp 1120w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Axos Bank" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/3bdde/axos.png" srcSet="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/fcb50/axos.png 140w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/dd079/axos.png 280w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/3bdde/axos.png 560w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/a8f08/axos.png 1120w" alt="Axos Bank"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Axos Rewards Checking</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://click.linksynergy.com/fs-bin/click?id=gfjPCdU7qBg&offerid=1585779.18&subid=0&type=3" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Axos Rewards Checking</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">Up to 3.30%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Paper checks available</div><div class="value">Yes</div></div></div></div></div></div><div class="section-3"></div></div></div> <p><a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?id=gfjPCdU7qBg&offerid=1585779.18&subid=0&type=3" target="_blank" rel="nofollow">Axos Rewards Checking Account</a> is an unusual account offering up to 3.30% annual percentage yield (APY) for active customers. If you have an account with qualifying direct deposit, you start with 0.40% APY*, which is one of the better yields for checking accounts regardless of activity requirements.</p> <p>You’ll have to jump through some hoops to get the top rate. You get a boost of 0.70% APY* for using the account’s debit card at least 10 times monthly for $3 or more. An Axos Self-Directed Investing account and Managed Investing account with a minimum of $2,500 per account increases your rate by 1% each. If you use an Axos Rewards Checking account to make a monthly loan payment to Axos, you get another 0.60%. You can get 3.30% APY on your checking when you add it all up.</p> <p>Most people probably won’t get the entire 3.30% unless they’re all in on Axos, but even if you earn just 0.70% or 2.70% for pairing checking and investing, you’ll be outearning most other checking accounts on the market. Plus, there’s no minimum balance or recurring maintenance fees, so you’ll likely come out ahead if you use this as your main checking account.</p> <hr/> <h3>Best for regular debit card users: <a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?bids=1019123.3&id=gfjPCdU7qBg&offerid=1019123.3&subid=0&type=3" target="_blank" rel="nofollow">Quontic High-Interest Checking Account</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='200'%20width='560'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><img data-gatsby-image-ssr="" title="Quontic Bank" data-main-image="" style="opacity:0" sizes="(min-width: 280px) 280px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/514b4/quontic.webp" data-srcset="/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/ea2e5/quontic.webp 70w,/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/4cf61/quontic.webp 140w,/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/514b4/quontic.webp 280w" alt="Quontic Bank"/><noscript><img data-gatsby-image-ssr="" title="Quontic Bank" data-main-image="" style="opacity:0" sizes="(min-width: 280px) 280px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/514b4/quontic.webp" srcSet="/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/ea2e5/quontic.webp 70w,/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/4cf61/quontic.webp 140w,/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/514b4/quontic.webp 280w" alt="Quontic Bank"/></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Quontic High Interest Checking</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://click.linksynergy.com/fs-bin/click?bids=1019123.3&id=gfjPCdU7qBg&offerid=1019123.3&subid=0&type=3" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Quontic High Interest Checking</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">1.10%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$100</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Paper checks available</div><div class="value">Yes</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>If you make most purchases with a debit card anyway, qualifying for the top 1.10% APY interest rate from the <a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?bids=1019123.3&id=gfjPCdU7qBg&offerid=1019123.3&subid=0&type=3" target="_blank" rel="nofollow">Quontic High-Interest Checking Account</a> is easy. Regardless of your balance and other activity, you can earn the 1.10% rate every month if you use the card for at least 10 debit card transactions of $10 or more.</p> <p>The account has no monthly maintenance fees or minimum balance requirements, and you don’t need a regular direct deposit to earn 1.10% APY. If you have fewer than the 10 required debit transactions, your rate drops to 0.01%, which isn’t very impressive. However, if you use debit for your daily purchases, such as gas and groceries, you’ll get to 10 transactions before you know it.</p> <p>The account also offers an impressive free ATM network, with over 90,000 partner ATMs supporting withdrawals with no surcharges or fees. Like most online banks, most customer needs are self-service through the online or mobile app. If that combination of features works for you, <a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?bids=1019123.3&id=gfjPCdU7qBg&offerid=1019123.3&subid=0&type=3" target="_blank" rel="nofollow">Quontic</a> could be a good choice.</p> <hr/> <h3>Best for cash back rewards: <a class="affiliate-link-link" href="https://upgrade.ywhcc7.net/rewards-checking?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow">Upgrade Rewards Checking</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"><span class="best-for">Rewards</span></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='199.11111111111111'%20width='560'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/13c8c/upgrade-logo-vertical.webp 56w,/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/dd793/upgrade-logo-vertical.webp 113w,/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/dc7cd/upgrade-logo-vertical.webp 225w" sizes="(min-width: 225px) 225px, 100vw"/><img data-gatsby-image-ssr="" title="Upgrade" data-main-image="" style="opacity:0" sizes="(min-width: 225px) 225px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/70081/upgrade-logo-vertical.png" data-srcset="/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/ec220/upgrade-logo-vertical.png 56w,/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/f598f/upgrade-logo-vertical.png 113w,/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/70081/upgrade-logo-vertical.png 225w" alt="Upgrade"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/13c8c/upgrade-logo-vertical.webp 56w,/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/dd793/upgrade-logo-vertical.webp 113w,/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/dc7cd/upgrade-logo-vertical.webp 225w" sizes="(min-width: 225px) 225px, 100vw"/><img data-gatsby-image-ssr="" title="Upgrade" data-main-image="" style="opacity:0" sizes="(min-width: 225px) 225px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/70081/upgrade-logo-vertical.png" srcSet="/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/ec220/upgrade-logo-vertical.png 56w,/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/f598f/upgrade-logo-vertical.png 113w,/personal-finance/static/5234892b84a7c8c4dede44f3e4a1479d/70081/upgrade-logo-vertical.png 225w" alt="Upgrade"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Upgrade Rewards Checking</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://upgrade.ywhcc7.net/rewards-checking?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"><span class="best-for">Rewards</span></div><h3 class="product-title">Upgrade Rewards Checking</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">Up to 2% cash back plus up to 4.41% APY with paired savings account</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX eligible-ages field"><div class="title">Paper checks available</div><div class="value">No</div></div></div></div></div></div><div class="section-3"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root MuiAccordion-rounded MuiAccordion-gutters accordion__AccordionWrapper-sc-z1an4d-0 cgQeny accordion-wrapper css-1aj41gs"><div class="MuiButtonBase-root MuiAccordionSummary-root MuiAccordionSummary-gutters accordion-summary css-1oqimao" tabindex="0" role="button" aria-expanded="false"><div class="MuiAccordionSummary-content MuiAccordionSummary-contentGutters css-l0jafl"><h3 class="accordion-title">FDIC Insurance Details</h3></div><div class="MuiAccordionSummary-expandIconWrapper css-1fx8m19"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z"></path></svg></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root accordion___StyledAccordionDetails-sc-z1an4d-1 caWSLJ accordion-details css-u7qq7e">Up to $250K in FDIC or NCUA insurance through Cross River Bank or Participating Institutions.</div></div></div></div></div></div></div></div></div> <p><a class="affiliate-link-link" href="https://upgrade.ywhcc7.net/rewards-checking?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow">Upgrade Rewards Checking</a> doesn’t pay interest on balances but rewards you in two ways if you receive at least $1,000 in monthly direct deposits. First, you can earn up to 2% cash back using your debit card in popular categories, including gas stations, drugstores, restaurants, streaming subscriptions, and cellphone service—and 1% on other purchases.</p> <p>Second, when you have the <a class="affiliate-link-link" href="https://upgrade.ywhcc7.net/rewards-checking?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow">Upgrade Rewards Checking</a> alongside an <a class="affiliate-link-link" href="https://upgrade.ywhcc7.net/c/2654511/1495213/5676/?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow">Upgrade Premier Savings </a> account and meet direct deposit requirements, you’ll earn an elevated <!-- -->4.41%<!-- --> APY on your savings balance. With the cash back rewards and elevated savings account rate, you can earn more here than using most other checking and savings accounts from traditional banks.</p> <hr/> <h3>Best for low fees: <a class="affiliate-link-link" href="https://secure.money.com/pr/dd5f491804c7?s1=TIME" target="_blank" rel="nofollow">SoFi Checking</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='200'%20width='560'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#08a8d8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/4cf61/sofi-logo.webp 140w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/514b4/sofi-logo.webp 280w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/a8374/sofi-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Sofi" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/3bdde/sofi-logo.png" data-srcset="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/fcb50/sofi-logo.png 140w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/dd079/sofi-logo.png 280w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/3bdde/sofi-logo.png 560w" alt="Sofi"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/4cf61/sofi-logo.webp 140w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/514b4/sofi-logo.webp 280w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/a8374/sofi-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Sofi" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/3bdde/sofi-logo.png" srcSet="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/fcb50/sofi-logo.png 140w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/dd079/sofi-logo.png 280w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/3bdde/sofi-logo.png 560w" alt="Sofi"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Sofi Online Checking Account</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://secure.money.com/pr/dd5f491804c7?s1=TIME" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Sofi Online Checking Account</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">0.50% (though 4.20% can be earned on savings account balances)</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX cta field"><div class="title">CTA Button</div><div class="value"></div></div></div><div class="fields-section section-2"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Paper checks available</div><div class="value">Yes</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>With a <a class="affiliate-link-link" href="https://secure.money.com/pr/dd5f491804c7?s1=TIME" target="_blank" rel="nofollow">SoFi Checking account</a>, you can earn 0.50% APY*, and the only requirement is to have your monthly direct deposit from work come to the account. Savings account rates are also impressive with direct deposit, currently 4.50%*.</p> <p><a class="affiliate-link-link" href="https://secure.money.com/pr/dd5f491804c7?s1=TIME" target="_blank" rel="nofollow">SoFi Checking</a> has no minimum balance requirement and no monthly recurring fees. There are no account fees for typical use, including no overdraft or nonsufficient funds fees. It offers over 55,000 free ATMs through the Allpoint network, but it doesn’t reimburse fees other banks charge for ATM use.</p> <p>The online account is simple to use. While not the top interest rate for checking, 0.50%* is pretty good, particularly without difficult-to-achieve activity requirements.</p> <hr/> <h3>Best for high balances: <a class="affiliate-link-link" href="https://www.jdoqocy.com/click-100814497-14468706" target="_blank" rel="nofollow">CIT Bank eChecking</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='200.20000000000002'%20width='560'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/f5ba1/CIT-Bank.webp 100w,/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/8b5b5/CIT-Bank.webp 200w,/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/a6b79/CIT-Bank.webp 400w" sizes="(min-width: 400px) 400px, 100vw"/><img data-gatsby-image-ssr="" title="CIT Bank" data-main-image="" style="opacity:0" sizes="(min-width: 400px) 400px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/4092b/CIT-Bank.png" data-srcset="/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/e576a/CIT-Bank.png 100w,/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/030ae/CIT-Bank.png 200w,/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/4092b/CIT-Bank.png 400w" alt="CIT Bank"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/f5ba1/CIT-Bank.webp 100w,/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/8b5b5/CIT-Bank.webp 200w,/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/a6b79/CIT-Bank.webp 400w" sizes="(min-width: 400px) 400px, 100vw"/><img data-gatsby-image-ssr="" title="CIT Bank" data-main-image="" style="opacity:0" sizes="(min-width: 400px) 400px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/4092b/CIT-Bank.png" srcSet="/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/e576a/CIT-Bank.png 100w,/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/030ae/CIT-Bank.png 200w,/personal-finance/static/39b3b9ed9757c5997afc66f926f2f866/4092b/CIT-Bank.png 400w" alt="CIT Bank"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">CIT eChecking</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://www.jdoqocy.com/click-100814497-14468706" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">CIT eChecking</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">0.25% with a balance of $25,000 or more; 0.10% with a balance of under $25,000</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$100</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Paper checks available</div><div class="value">No</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>If you have at least $25,000 in your account, <a class="affiliate-link-link" href="https://www.jdoqocy.com/click-100814497-14468706" target="_blank" rel="nofollow">CIT Bank eChecking</a> has an elevated 0.25% APY* with no activity requirements. Accounts with less than $25,000 earn 0.10%*, which is better than the average traditional bank but not great compared with other high-interest checking accounts.</p> <p>The big perk is that high-balance accounts don’t have any debit card or direct deposit requirements to earn the best rate the bank offers. We also like <a class="affiliate-link-link" href="https://www.tkqlhce.com/click-100814497-15491014" target="_blank" rel="nofollow">CIT Bank for savings accounts</a> and generally low fees across the board, so it’s worth checking out if you’re shopping for a checking account and typically keep at least $25,000 in one. Another plus is that CIT Bank doesn’t charge ATM fees and will reimburse you for up to $30 per month in ATM fees you pay to other banks.</p> <hr/> <h3>Best for active checking customers: <a class="affiliate-link-link" href="https://consumer-credit-union.4cna.net/c/2654511/1633071/9094?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow">Consumers Credit Union Rewards Checking</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='199.288256227758'%20width='560'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/ea2e5/consumers-credit-union.webp 70w,/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/2a487/consumers-credit-union.webp 141w,/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/88696/consumers-credit-union.webp 281w" sizes="(min-width: 281px) 281px, 100vw"/><img data-gatsby-image-ssr="" title="Consumers Credit Union" data-main-image="" style="opacity:0" sizes="(min-width: 281px) 281px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/5999e/consumers-credit-union.png" data-srcset="/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/4c250/consumers-credit-union.png 70w,/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/05715/consumers-credit-union.png 141w,/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/5999e/consumers-credit-union.png 281w" alt="Consumers Credit Union"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/ea2e5/consumers-credit-union.webp 70w,/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/2a487/consumers-credit-union.webp 141w,/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/88696/consumers-credit-union.webp 281w" sizes="(min-width: 281px) 281px, 100vw"/><img data-gatsby-image-ssr="" title="Consumers Credit Union" data-main-image="" style="opacity:0" sizes="(min-width: 281px) 281px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/5999e/consumers-credit-union.png" srcSet="/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/4c250/consumers-credit-union.png 70w,/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/05715/consumers-credit-union.png 141w,/personal-finance/static/05d5475b939bf5898e4d5a3fcce2dc0d/5999e/consumers-credit-union.png 281w" alt="Consumers Credit Union"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Consumers Credit Union Rewards Checking</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://consumer-credit-union.4cna.net/c/2654511/1633071/9094?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Consumers Credit Union Rewards Checking</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">Up to 5.00%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$5</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Paper checks available</div><div class="value">Yes</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>Consumers Credit Union offers online banking to customers nationwide, and the <a class="affiliate-link-link" href="https://consumer-credit-union.4cna.net/c/2654511/1633071/9094?SharedId=TIME&partnerpropertyid=4152847" target="_blank" rel="nofollow">Consumers Credit Union Rewards Checking</a> is a standout choice. It has interest rates <!-- -->Up to 5.00%<!-- --> APY and needs no minimum balance or activity requirements to avoid maintenance fees. There’s a <!-- -->$5<!-- --> donation requirement to join, and you must also keep $5 in a savings account to remain a member. But aside from those simple requirements, the account is easy to open and maintain.</p> <p>All account holders can earn 3% APY on up to $10,000 if they opt for electronic statements, use their debit card at least 12 times per month, and make at least $500 in monthly deposits, such as direct deposit from an employer. With $500 in monthly debit card purchases, it goes up to 4% APY on balances up to $10,000. To earn the top 5% APY, you need to make at least $1,000 in monthly purchases. While that means you’ll need to be a very active user of the account to earn the best rates, it’s an easy threshold to reach for many banking customers.</p> <hr/> <h3>Best for loyal credit union customers: <a class="affiliate-link-link" href="https://www.tkqlhce.com/click-100814497-15778322" target="_blank" rel="nofollow">First Tech Federal Credit Union Rewards Checking</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='199.73333333333335'%20width='560'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/c6859/first-tech-logo.webp 75w,/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/7acc9/first-tech-logo.webp 150w,/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/8bde7/first-tech-logo.webp 300w" sizes="(min-width: 300px) 300px, 100vw"/><img data-gatsby-image-ssr="" title="First Tech Credit Union" data-main-image="" style="opacity:0" sizes="(min-width: 300px) 300px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/a9bba/first-tech-logo.png" data-srcset="/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/6ad78/first-tech-logo.png 75w,/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/0dcdb/first-tech-logo.png 150w,/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/a9bba/first-tech-logo.png 300w" alt="First Tech Credit Union"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/c6859/first-tech-logo.webp 75w,/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/7acc9/first-tech-logo.webp 150w,/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/8bde7/first-tech-logo.webp 300w" sizes="(min-width: 300px) 300px, 100vw"/><img data-gatsby-image-ssr="" title="First Tech Credit Union" data-main-image="" style="opacity:0" sizes="(min-width: 300px) 300px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/a9bba/first-tech-logo.png" srcSet="/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/6ad78/first-tech-logo.png 75w,/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/0dcdb/first-tech-logo.png 150w,/personal-finance/static/be763d03b253bbdcc0d3183b2f40566f/a9bba/first-tech-logo.png 300w" alt="First Tech Credit Union"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">First Tech Federal Credit Union Rewards Checking®</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://www.tkqlhce.com/click-100814497-15778322" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">First Tech Federal Credit Union Rewards Checking®</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">Rate of 3.75% APY up to $15,000; 0.05% $15,000.01+</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$10</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX description field"><div class="title">Paper checks available</div><div class="value">Yes</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>First Tech Federal Credit Union offers the <a class="affiliate-link-link" href="https://www.tkqlhce.com/click-100814497-15778322" target="_blank" rel="nofollow">First Tech Federal Credit Union Rewards Checking</a> in tandem with a rewards savings account. If you meet minimum requirements, you can earn a <!-- -->Rate of 3.75% APY up to $15,000; 0.05% $15,000.01+<!-- -->. Qualifying customers also get ATM rebates, additional cash back on eligible credit card purchases, and a cash back discount on eligible loans. What’s more, there are no monthly or recurring fees.</p> <p>To qualify, you’ll need to make 20 monthly transactions worth at least $500 combined on a First Tech debit or credit card and receive at least $1,000 in monthly direct deposits. If you go all-in with First Tech for your checking and savings, you can earn significant interest. Anyone is eligible to join based on their employment or if they join a partner nonprofit during the account setup process.</p> <hr/> <h2 id="methodology">Methodology</h2> <p>To choose the best high-yield checking accounts, we looked at several factors, including interest rate, activity requirements, typical account fees, minimum balance requirements, ATM availability, and how the account fits in with other accounts offered by the bank.</p> <p>When choosing an account, it’s important to consider your typical banking needs and activity to ensure you qualify for the best rates and won’t get stuck paying high fees.</p> <h2 id="how-to-select-the-best-high-yield-checking-account-for-you">How to select the best high-yield checking account for you</h2> <p>Everyone’s banking needs are specific, so consider these features as you hunt for an interest-earning checking account.</p> <h3>Top interest rate</h3> <p>The interest rate is a key differentiator if you want to earn interest from a checking account. APY helps you compare accounts with varying compounding schedules apples-to-apples. With APY you can make a more informed choice, understanding how much you’ll earn from your balance.</p> <h3>Activity requirements</h3> <p>Many checking accounts require specific monthly activities to avoid monthly fees or to earn the best interest rates. Common activity rules focus on a minimum number of monthly debit card transactions, direct deposit into the account, or a minimum balance.</p> <h3>Monthly fees</h3> <p>If you have to pay monthly fees to keep the account open, you’ll likely spend more on fees than you earn in interest. Finding an account with no monthly fees or minimum balance requirement to avoid fees is desirable for most banking customers.</p> <h3>ATM access</h3> <p>If you ever need cash and bank online, an ATM is essential. Many banks partner with large networks, such as Allpoint or MoneyPass, to offer free ATMs to customers. Check out how many free ATMs are available and where you can find them when signing up for an account. The top accounts for ATMs don’t charge any ATM fees and reimburse you for fees charged by other ATMs.</p> <h3>Online vs. in-person banking</h3> <p>If you regularly get paid in cash or prefer the convenience of in-person customer service, you may want to stick with a traditional brick-and-mortar bank with local branches. However, most people don’t need a branch and can easily handle their needs with direct deposit and online or mobile banking tools. For in-person banking, consider Chase, which has more than 4,700 branches nationwide</p> <h3>Paper checks</h3> <p>If being able to write paper checks matters to you, be sure to check whether the bank provides them—or permits you to buy them through an outside vendor. For example, CIT Bank does not provide or permit paper checks.</p> <h2 id="how-to-make-the-best-of-your-high-yield-checking-account">How to make the best of your high-yield checking account</h2> <h3>Keep track of activity requirements</h3> <p>If you sign up for a high-yield checking account, ensure you do what’s required to earn the high yield. There’s little benefit to moving to an account paying a top rate if you don’t earn it.</p> <h3>Consider transfers to savings</h3> <p>If you like high-yield checking accounts, you may also like high-yield savings accounts. Most banks allow you to transfer funds back and forth between checking and savings accounts at the same bank instantly and allow free transfers to and from other connected bank accounts. If you can earn more from your savings account, keeping less cash in your checking could be helpful.</p> <h3>Avoid account fees</h3> <p>If you pay $20 in ATM fees every month or an occasional overdraft fee, you’ll likely pay your bank more than you’ll earn from a high-yield checking account. Take stock of how you use your accounts and consider switching to an account with low or no fees. For no-fee checking accounts, <a class="affiliate-link-link" href="https://secure.money.com/pr/sbb49012944e?s1=TIME" target="_blank" rel="nofollow">Chime</a> is a great choice.</p> <h2 id="what-other-alternatives-do-you-have-to-high-yield-checking-accounts">What other alternatives do you have to high-yield checking accounts?</h2> <p>High-yield checking accounts are appealing, but they’re not your only option. You may prefer a low-fee checking account paired with a high-yield savings account to maintain an efficient personal finance setup.</p> <p>To earn the most interest on your money, check out our list of the <a href="https://time.com/personal-finance/article/the-best-high-yield-savings-accounts/" target="_self" rel="alternate">best high-yield savings accounts</a>. Also, consider investing in a portfolio of <a href="https://time.com/personal-finance/article/index-funds-with-low-expense-ratios/" target="_self" rel="alternate">exchange-traded funds (ETFs)</a> or mutual funds to capture earnings from the investment markets, always remembering that investments come with a level of risk you don’t get with bank accounts.</p> <h2 id="time-stamp-a-high-yield-checking-account-is-best-for-people-who-store-a-sizeable-sum-in-their-checking-account">TIME Stamp: A high-yield checking account is best for people who store a sizeable sum in their checking account</h2> <p>A quick online search proves that most checking accounts offer no interest at all, and those that do usually pay extremely low interest rates. Moving to a high-interest checking account could be a savvy move if you tend to store thousands of dollars in your checking account.</p> <h2 id="frequently-asked-questions-faqs">Frequently asked questions (FAQs)</h2> <h3>How often do high-interest account rates change?</h3> <p>Bank account interest rates can change at any time without notice. Many banks change their rates shortly after announcements by the Federal Reserve that it’s changing its target interest rate, though that’s not always the case.</p> <h3>Can anybody apply for a high-yield checking account?</h3> <p>Most high-yield checking accounts require you to be a legal resident of the United States with a valid Social Security or other tax identification number. They may also be limited to adults aged 18 or older.</p> <h3>Do savings accounts have higher interest rates than checking accounts?</h3> <p>In most cases savings accounts have higher interest rates than checking accounts. However, that’s not a set rule, and some high-yield checking accounts pay more than savings accounts.</p> <h3>Will my entire balance earn the high APY?</h3> <p>Each bank publishes a rate schedule, which may include interest rate tiers. Depending on your bank’s rules, you could have all or part of your balance earn the best rate.</p> <h3>What happens if I don’t meet the requirements to earn the high APY?</h3> <p>Many banks offer a lower default APY if you don’t meet activity requirements for the best interest rate. Check your bank’s requirements to ensure you qualify for the top APY.</p></div><div class="disclaimer__Container-sc-oc4o57-0 bVJglG main___StyledDisclaimer-sc-ym2025-0 guBECT"><p>The information presented here is created by TIME Stamped and overseen by TIME editorial staff. To learn more, see our <a href="https://time.com/longform/about-time/" target="_self" rel="alternate">About Us page</a>.</p></div></div><div><h3 class="header">Featured Articles</h3><div class="hero-grid__TheGrid-sc-cqdug4-0 fahDKe articles__ArticleGridHero-sc-14rmoeh-1 iDCoFN root"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiCard-root article-card__Card-sc-imra5p-0 gFkwkv root css-s18byi"><div class="article-card__CardContent-sc-imra5p-4 kqIvTt"><a class="article-card__Link-sc-imra5p-2 article-card___StyledLink-sc-imra5p-3 jPZfRE dURWiY content" href="/personal-finance/article/2-year-cd-rates/"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained article-card__Image-sc-imra5p-1 ePUbzx image"><div style="max-width:250px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height='167'%20width='250'%20xmlns='http://www.w3.org/2000/svg'%20version='1.1'%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/f450e/best-2-year-cd-rates.webp 63w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/2d1f4/best-2-year-cd-rates.webp 125w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/8163a/best-2-year-cd-rates.webp 250w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/4dd3b/best-2-year-cd-rates.webp 500w" sizes="(min-width: 250px) 250px, 100vw"/><img data-gatsby-image-ssr="" variant="horizontal" data-main-image="" style="opacity:0" sizes="(min-width: 250px) 250px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/e96a3/best-2-year-cd-rates.jpg" data-srcset="/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/cb06c/best-2-year-cd-rates.jpg 63w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/68db7/best-2-year-cd-rates.jpg 125w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/e96a3/best-2-year-cd-rates.jpg 250w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/96387/best-2-year-cd-rates.jpg 500w" alt="best 2 year cd rates"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/f450e/best-2-year-cd-rates.webp 63w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/2d1f4/best-2-year-cd-rates.webp 125w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/8163a/best-2-year-cd-rates.webp 250w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/4dd3b/best-2-year-cd-rates.webp 500w" sizes="(min-width: 250px) 250px, 100vw"/><img data-gatsby-image-ssr="" variant="horizontal" data-main-image="" style="opacity:0" sizes="(min-width: 250px) 250px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/e96a3/best-2-year-cd-rates.jpg" srcSet="/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/cb06c/best-2-year-cd-rates.jpg 63w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/68db7/best-2-year-cd-rates.jpg 125w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/e96a3/best-2-year-cd-rates.jpg 250w,/personal-finance/static/0ffd01ae3e602ee434b1026379b99db7/96387/best-2-year-cd-rates.jpg 500w" alt="best 2 year cd rates"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></a><div class="article-card__Details-sc-imra5p-6 dPbnBw details"><a class="article-card__Link-sc-imra5p-2 jPZfRE content" href="/personal-finance/article/2-year-cd-rates/"><h2 class="title">Best 2-Year CD Rates November 2024</h2></a><h3 class="description">Looking for a guaranteed, attractive return in exchange for leaving your savings untouched for two years? 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details"><a class="article-card__Link-sc-imra5p-2 jPZfRE content" href="/personal-finance/article/cds-vs-iras/"><h2 class="title">CDs vs. IRAs: Key Differences and How Do They Compare?</h2></a><h3 class="description">Certificates of deposit (CDs) and Individual Retirement Accounts (IRAs) are commonly used for saving and investing. Learn how these two ways to build assets compare.</h3><div class="article-card__Metadata-sc-imra5p-5 gtvvsN metadata"><a class="article-card__Link-sc-imra5p-2 jPZfRE" href="/personal-finance/article/cds-vs-iras/"><span>By <!-- -->Eric Rosenberg</span></a><span class="article-date"> </span></div></div></div></div></div></div><div id="taboola-feed-container"><div class="sc-cPiKLX bJELIl"><div id="below-article-thumbnails"></div></div></div></div></main></div></div></div></div></div><footer><div class="sc-bbSZdi flghfv"><div class="sc-fBWQRz bRpQvm"><a title="https://time.com" href="https://time.com" target="_self" rel="nofollow"><img src="/personal-finance/logo.svg" title="https://time.com" alt="https://time.com" width="82" height="27" loading="lazy" class="sc-hknOHE clhWGZ"/></a></div><div class="sc-eqUAAy hSPKII"><a class="social-links___StyledExternalLink-sc-1k9fkc4-0 kmGGpS" href="https://www.facebook.com/time/" target="_blank" rel="nofollow"><img src="/personal-finance/facebook.svg" 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