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NerdWallet's Best Checking Accounts of 2017

Your checking account is the backbone of your financial life. Your income flows there, and you use it for everything from paying bills to going to the movies. To get the most from it, you need an account with low fees, good customer service and an accessible ATM network. If your cash earns interest, even better. Below, we've rounded up our picks for the best checking accounts.

By Tony Armstrong
Showing 1 - 16 of 16 accounts
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Fee-Free Checking Account

Our overall rating

Learn moreat Simple
  • Monthly fee
    None

Why we like it

  • No monthly fee
  • 10,000+ ATMs
  • Mobile-friendly

Chase Total Checking®

Our overall rating

Learn moreat Chase
  • Monthly fee
    $12
    Waived with direct deposit or $1500 minimum balance
  • Sign-up bonus
    $200
    Requirements to qualify

Why we like it

  • 10,000+ ATMs
  • 2,000+ branches
  • Live help 24/7
  • Mobile-friendly
  • Sign-up bonus

Summit Account

Our overall rating

Learn moreat Aspiration
  • Monthly fee
    None
  • APY
    1.00%
    With $2,500 minimum balance

Why we like it

  • No monthly fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Competitive APY

Essential Checking

Our overall rating

Learn moreat Bank of Internet USA
  • Monthly fee
    None

Why we like it

  • No monthly fee
  • Low overdraft fee
  • ATM reimbursements

Interest Checking Account

Our overall rating

Learn moreat Ally Bank
  • Monthly fee
    None
  • APY
    0.10%
    With $1 minimum balance

Why we like it

  • No monthly fee
  • 10,000+ ATMs
  • Live help 24/7
  • Competitive APY

High Yield Investor Checking

Our overall rating

  • Monthly fee
    None

Why we like it

  • No monthly fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Live help 24/7

360 Checking

Our overall rating

  • Monthly fee
    None
  • APY
    0.20%
    With $1 minimum balance

Why we like it

  • No monthly fee
  • 10,000+ ATMs
  • Mobile-friendly
  • Low overdraft fee
  • Competitive APY

Free High-Rate Checking

Our overall rating

  • Monthly fee
    None
  • APY
    0.65%
    With $1 minimum balance

Why we like it

  • No monthly fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Mobile friendly
  • Credit Union

Innovative Checking

Our overall rating

  • Monthly fee
    None

Why we like it

  • No monthly fee
  • 10,000+ ATMs
  • Credit Union

Free USAA Classic Checking

Our overall rating

Learn moreat USAA Federal Savings Bank
  • Monthly fee
    None

Why we like it

  • No monthly fee
  • 10,000+ ATMs
  • ATM reimbursements
  • Mobile-friendly

Cashback Checking

Our overall rating

  • Monthly fee
    None

Why we like it

  • No monthly fee
  • 10,000+ ATMs
  • Low overdraft fee
  • Live help 24/7

Access America Checking

Our overall rating

  • Monthly fee
    $10
    Waived with direct deposit or $500 minimum balance
  • APY
    0.20%
    With $1 minimum balance

Why we like it

  • 10,000+ ATMs
  • Mobile-friendly
  • Credit Union

Virtual Wallet

Our overall rating

  • Monthly fee
    $7
    Waived with direct deposit or $500 minimum balance

Why we like it

  • 2,000+ branches
  • Mobile-friendly

High Interest Checking

Our overall rating

  • Monthly fee
    None
  • APY
    0.76%
    With $100 minimum balance

Why we like it

  • No monthly fee
  • ATM reimbursements
  • Competitive APY

Radius Hybrid

Our overall rating

Learn moreat Radius Bank
  • Monthly fee
    None

Why we like it

  • No monthly fee
  • ATM reimbursements

Simply Right® Checking

Our overall rating

  • Monthly fee
    $10
  • Sign-up bonus
    $225

Why we like it

  • Sign-up bonus
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