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 - 14 of 14 accounts
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Summit Account

Member, FDIC

NerdWallet’s overall rating
Learn moreat Aspiration

In a nutshell

  • No monthly fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Competitive APY
  • Monthly fee
    $0
  • APY
    1.00%
    With $2,500 minimum balance

Why we like it

Fee-Free Checking Account

Member, FDIC

NerdWallet’s overall rating
Learn moreat Simple

In a nutshell

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

Why we like it

Cashback Checking

Member, FDIC

NerdWallet’s overall rating
Learn moreat Discover

In a nutshell

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

Why we like it

Chase Total Checking®

Member, FDIC

NerdWallet’s overall rating
Learn moreat Chase

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

Spending Account

Member, FDIC

NerdWallet’s overall rating
Learn moreat Chime

In a nutshell

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

Why we like it

Rewards Checking

Member, FDIC

NerdWallet’s overall rating
Learn moreat Bank of Internet USA

In a nutshell

  • No monthly fee
  • No Overdraft/NSF fees
  • ATM reimbursements
  • Monthly fee
    $0

Why we like it

Interest Checking Account

Member, FDIC

NerdWallet’s overall rating
Learn moreat Ally Bank

In a nutshell

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

Why we like it

Free High-Rate Checking

Federally insured by the NCUA

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

360 Checking

Member, FDIC

NerdWallet’s overall rating
Learn moreat Capital One

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

High Yield Investor Checking

Member, FDIC

NerdWallet’s overall rating
Learn moreat Schwab Bank

In a nutshell

  • No monthly fee
  • ATM reimbursements
  • 10,000+ ATMs
  • Monthly fee
    $0

Why we like it

Xtraordinary Checking

Member, FDIC

NerdWallet’s overall rating
Learn moreat Connexus Credit Union

In a nutshell

  • No monthly fee
  • 10,000+ ATMs
  • Credit Union
  • Monthly fee
    $0

Why we like it

Access America Checking

Federally insured by the NCUA

NerdWallet’s overall rating
Learn moreat PenFed Credit Union

In a nutshell

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

Why we like it

High Interest Checking

Member, FDIC

NerdWallet’s overall rating
Learn moreat Bank5 Connect

In a nutshell

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

Why we like it

Free Rewards Checking

Member, FDIC

NerdWallet’s overall rating
Learn moreat Consumers Credit Union

In a nutshell

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

Why we like it