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
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The Free Rewards Checking account offers an exceptionally high annual percentage yield of at least 3.09% for balances of up to $10,000, as long as you’re able to meet a few spending and online banking requirements.
Xtraordinary Checking comes with access to 54,000 free ATMs, and it doesn’t charge a monthly fee or require a minimum deposit.
To determine the best accounts, we took a close look at about 70 financial institutions, including the largest U.S. banks based on assets, debit card volume, Internet search traffic and other factors; the nation's largest credit unions, based on deposits as well as broad-based membership requirements; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage rates, minimum balances, fees, digital experience and more.