11 Best Rewards Checking Accounts for 2026

NBKC’s Everything Account gives its customers 1.75% APY on all balances. There’s no monthly fee or minimum balance requirement, and customers have access to more than 90,000 fee-free ATMs. NBKC also offers up to $12 in monthly fee reimbursements for out-of-network ATMs.

Upgrade offers its Rewards Checking Plus customers 2% cash back on certain everyday debit purchases — such as those made at restaurants, bars, convenience stores, drugstores, gas stations, utility companies and streaming services — up to $500 in rewards per year, as long as they receive $1,000 in direct deposits each month. Keep in mind that purchases made at grocery stores, online merchants and travel providers are not eligible for cash back, nor are medical bills payments, rent, mortgages or other monthly bills or subscriptions. Customers who don’t fulfill the direct deposit requirement won’t earn any cash back.

Upgrade charges no monthly fees or overdraft fees. Customers also have fee-free access to more than 55,000 Allpoint ATMs.

Zynlo’s More Spending account gives customers a 2.00% APY with no minimum to open an account. Customers have access to more than 55,000 fee-free Allpoint ATMs, and there’s no monthly fee on the account. Customers can also get paid up to two days early when they set up direct deposit with their employer.

Quontic’s High Interest Checking account offers up to 1.10% APY if you make at least 10 monthly qualifying debit card transactions of at least $10 each. If you don’t meet the transaction requirements, you’ll earn 0.01% APY. Customers have access to more than 90,000 fee-free ATMs, and there’s no monthly fee. The account has a minimum opening balance requirement of $100.

Customers with an American Express Rewards Checking account earn 1.00% APY on all balances and don’t have to worry about any monthly fees or minimum balance requirements. They also have access to over 70,000 fee-free MoneyPass and Allpoint ATMs nationwide and 24/7 customer service. The account is available to American Express customers who have had a consumer credit card, high-yield savings account or certificate of deposit for at least five days.

Bask Bank’s Interest Checking account has a competitive interest rate of 1.00% APY and has no monthly fees. There’s no minimum required to open an account, but you must fund your account within 15 days or Bask Bank may close it.

Bask Bank is part of the nationwide Allpoint ATM network, which means customers can use more than 55,000 fee-free ATMs.

TAB Spend is a rewards checking account that has an high interest rate of 2.75% APY and gives customers 1% cash back on debit card spending. Customers also get access to the nationwide MoneyPass ATM network, which includes about 40,000 fee-free ATMs. The account has no monthly fees or minimum balance requirements.

Lake Michigan Credit Union offers a highly competitive 4.00% APY interest rate on its Max Checking account for balances up to $15,000 as long as customers meet certain requirements. To qualify, customers need to make at least one direct deposit (or other online deposit) per month, make at least 10 debit (or credit) card purchases per month, log in to their online account at least four times per month and receive e-statements. The account requires no minimum balance and has no monthly maintenance fees. The account also offers up to $10 per month in out-of-network ATM fee reimbursement for non-LMCU and non-Allpoint ATMs, and there are more than 55,000 in-network ATMs worldwide.

The Zolve Checking account has a notably high baseline interest rate of 2.02% APY and higher rate tiers with certain requirements. The rate can also increase in the following ways:

- A customer has a Zolve credit card that’s active and in good standing, which increases the rate to 3.05% APY.

- A customer has one or more direct deposits of at least $250 per month, which increases the rate to 4.08% APY.

- A customer meets both of the preceding requirements, and the rate increases to 5.13% APY.

Zolve customers have access to more than 60,000 fee-free Allpoint ATMs for withdrawals, but keep in mind that you can only add money to your account through online transfers or wire transfer. Also, there is no mobile check deposit for this account.

Zolve is an online-only financial technology company, not a bank. FDIC insurance is provided through a third-party partner bank.

Axos Bank gives a solid 1.00% APY on this account to customers who receive at least $1 per month in qualifying direct deposits (like a paycheck or government benefits), otherwise no interest is earned. Customers can also get their paychecks up to two days early.

The account also comes with stellar ATM access: customers have free access to more than 95,000 in-network ATMs, but Axos also provides unlimited ATM fee reimbursements for out-of-network domestic ATMs.