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
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Showing 1 - 15 of 15 accounts
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Summit Account

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

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

Chase Total Checking®

NerdWallet’s overall rating

Learn moreat Chase

In a nutshell

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

Why we like it

Cashback Checking

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

Interest Checking Account

NerdWallet’s overall rating

Learn moreat Ally Bank

In a nutshell

  • No monthly fee
  • 10,000+ ATMs
  • Live help 24/7
  • Monthly fee
    $0
  • APY
    0.10%
    With $1 minimum balance

Why we like it

Radius Hybrid

NerdWallet’s overall rating

Learn moreat Radius Bank

In a nutshell

  • No monthly fee
  • ATM reimbursements
  • Competitive APY
  • Monthly fee
    $0

Why we like it

Rewards Checking

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

Free High-Rate Checking

NerdWallet’s overall rating

Learn moreat Alliant Credit Union

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

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

Free USAA Classic Checking

NerdWallet’s overall rating

Learn moreat USAA Federal Savings Bank

In a nutshell

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

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

Why we like it

Xtraordinary Checking

NerdWallet’s overall rating

In a nutshell

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

Why we like it

Access America Checking

NerdWallet’s overall rating

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

Virtual Wallet

NerdWallet’s overall rating

In a nutshell

  • 2,000+ branches
  • Mobile-friendly
  • Monthly fee
    $7
    Waived with direct deposit or $500 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