NerdWallet's Best Checking Accounts of July 2019

To get the most from your checking account, you need low fees, good customer support and free ATMs nearby. If you earn interest on your cash, even better. NerdWallet staff analyzed, compared and rated dozens of banks and credit unions before selecting the checking accounts that offer the best combination of consumer-friendly features. (Most of these banks are NerdWallet partners, which was not a factor in our evaluations.) Our selections are below, with filters to help tailor your results.

By NerdWallet

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Show accounts that offer

Showing 1 - 15 of 15 accounts
Sort by

Spending Account

NerdWallet’s overall rating

at Chime,

Member, FDIC

In a nutshell

  • No Monthly Fee
  • No overdraft/NSF fees
  • 10,000+ ATMs
  • Mobile-friendly
  • Monthly fee
    $0

Why we like it

Rewards Checking

NerdWallet’s overall rating

at Axos Bank™,

Member, FDIC

In a nutshell

  • No Monthly Fee
  • No overdraft/NSF fees
  • ATM reimbursements
  • Competitive APY
  • Monthly fee
    $0
  • APY
    1.25%
    With $0 minimum balance

Why we like it

High-Rate Checking

NerdWallet’s overall rating

at Alliant Credit Union,

Federally insured by the NCUA

In a nutshell

  • No Monthly Fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Mobile-friendly
  • Credit Union
  • Monthly fee
    $0
  • APY
    0.65%
    With $0 minimum balance

Why we like it

Checking & Budgeting

NerdWallet’s overall rating

at Simple,

Deposits are FDIC Insured

In a nutshell

  • No overdraft/NSF fees
  • No Monthly Fee
  • 10,000+ ATMs
  • Mobile-friendly
  • Competitive APY
  • Monthly fee
    $0
  • APY
    2.02%
    With $0 minimum balance

Why we like it

Cashback Debit

NerdWallet’s overall rating

at Discover,

Member, FDIC

In a nutshell

  • No Monthly Fee
  • 10,000+ ATMs
  • Live help 24/7
  • Mobile-friendly
  • Monthly fee
    $0

Why we like it

Total Checking®

NerdWallet’s overall rating

at Chase,

Member, FDIC

In a nutshell

  • 10,000+ ATMs
  • 2,000+ branches
  • Mobile-friendly
  • Bonus
  • Monthly fee
    $12
    Waived with direct deposit or $1500 minimum balance
  • Bonus
    $200
    Requirements to qualify

Why we like it

Free Rewards Checking

NerdWallet’s overall rating

at Consumers Credit Union,

Federally insured by the NCUA

In a nutshell

  • No Monthly Fee
  • 2,000+ branches
  • Credit Union
  • Competitive APY
  • Monthly fee
    $0
  • APY
    3.09%
    With $0 minimum balance

Why we like it

Dividend Rewards Checking

NerdWallet’s overall rating

In a nutshell

  • No Monthly Fee
  • ATM reimbursements
  • Competitive APY
  • Credit Union
  • Monthly fee
    $0
  • APY
    2.00%
    With $0.01 minimum balance

Why we like it

High Interest Checking

NerdWallet’s overall rating

In a nutshell

  • No Monthly Fee
  • ATM reimbursements
  • Competitive APY
  • Monthly fee
    $0
  • APY
    0.76%
    With $100 minimum balance

Why we like it

Xtraordinary Checking

NerdWallet’s overall rating

In a nutshell

  • No Monthly Fee
  • 10,000+ ATMs
  • Credit Union
  • Competitive APY
  • Monthly fee
    $0
  • APY
    1.75%
    With $1 minimum balance

Why we like it

360 Checking

NerdWallet’s overall rating

In a nutshell

  • No Monthly Fee
  • 10,000+ ATMs
  • Mobile-friendly
  • Monthly fee
    $0
  • APY
    0.20%
    With $1 minimum balance

Why we like it

Interest Checking Account

NerdWallet’s overall rating

In a nutshell

  • No Monthly Fee
  • 10,000+ ATMs
  • Live help 24/7
  • Monthly fee
    $0
  • APY
    0.10%
    With $0 minimum balance

Why we like it

High Yield Investor Checking®

NerdWallet’s overall rating

In a nutshell

  • No Monthly Fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Monthly fee
    $0
  • APY
    0.37%
    With $1 minimum balance

Why we like it

Cash Management Account

NerdWallet’s overall rating

In a nutshell

  • No Monthly Fee
  • ATM reimbursements
  • Monthly fee
    $0
  • APY
    0.37%
    With $0 minimum balance

Why we like it

Spend & Save Account

NerdWallet’s overall rating

In a nutshell

  • Competitive APY
  • ATM reimbursements
  • No Monthly Fee
  • No overdraft/NSF fees
  • Mobile-friendly
  • Monthly fee
    $0
  • APY
    2.00%
    With $0 minimum balance

Why we like it