NerdWallet's Best Checking Accounts of 2018

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. Our Nerds spent over 200 hours analyzing, comparing and rating a host of banks and credit unions. (Some of them are NerdWallet partners, which was not a factor in our evaluations.) Below we’ve rounded up our picks for best checking accounts, with filters to help personalize your results.

By Tony Armstrong
You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money.

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Showing 1 - 11 of 11 accounts
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Rewards Checking

NerdWallet’s overall rating

at Bank of Internet USA,

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

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

Fee-Free Checking Account

NerdWallet’s overall rating

at Simple,

Member, FDIC

In a nutshell

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

Why we like it

Chase 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

at Consumers Credit Union,

Federally insured by the NCUA

In a nutshell

  • No Monthly Fee
  • 2,000+ branches
  • Credit Union
  • Monthly fee
    $0

Why we like it

Cashback Checking

NerdWallet’s overall rating

at Discover,

Member, FDIC

In a nutshell

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

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

Free High-Rate Checking

NerdWallet’s overall rating

In a nutshell

  • No Monthly Fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Mobile-friendly
  • Credit Union
  • Monthly fee
    $0
  • APY
    0.65%
    With $1 minimum balance

Why we like it

High Yield Investor Checking®

In a nutshell

  • No Monthly Fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Monthly fee
    $0
  • APY
    0.20%
    With $1 minimum balance

Why we like it

Access America Checking

NerdWallet’s overall rating

at PenFed Credit Union,

Federally insured by the NCUA

In a nutshell

  • 10,000+ ATMs
  • Mobile-friendly
  • Credit Union
  • Monthly fee
    $10
    Waived with $500 minimum balance
  • APY
    0.20%
    With $1 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