9 Best Rewards Checking Accounts of 2025

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

Earn 1% cash back on up to $3,000 in debit card purchases each month. Customers can also get their paychecks up to two days early when they set up direct deposit to their accounts. Discover® Bank has a nationwide network of over 60,000 fee-free ATMs, and customers can also opt in to two fee-free overdraft programs.

Zynlo’s More Spending account gives customers a 2.00% APY with a $10 minimum deposit to open the 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.

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.

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 can only be opened by customers who have a U.S. basic American Express consumer credit card that has been open for at least 35 days.

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 3.50% 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.