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6 Best Rewards Checking Accounts of 2019

Spencer TierneyJune 27, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Summary of Best Rewards Checking Accounts of 2019

BankBest ForMonthly FeeAPYLearn More
Axos Bank™ Rewards Checking

Axos Bank™ Rewards Checking

at Axos Bank™,

Member, FDIC

Interest Checking Rate for Banks

$0

1.25%

With $0 minimum balance

at Axos Bank™,

Member, FDIC

Discover Cashback Debit

Discover Cashback Debit

at Discover,

Member, FDIC

Cash-Back Rewards

$0

N/A

at Discover,

Member, FDIC

Chase Total Checking®

Chase Total Checking®

at Chase,

Member, FDIC

Sign-Up Bonus

$12

Waived with direct deposit or $1500 minimum balance

N/A

at Chase,

Member, FDIC

Consumers Credit Union Free Rewards Checking

Consumers Credit Union Free Rewards Checking

at Consumers Credit Union,

Federally insured by the NCUA

Interest Checking Rate for Credit Unions

$0

3.09%

With $0 minimum balance

at Consumers Credit Union,

Federally insured by the NCUA

Axos Bank™ CashBack Checking

Axos Bank™ CashBack Checking

Cash-Back Rewards

$0

1.00%

Redneck Bank Rewards Checkin' Account

Redneck Bank Rewards Checkin' Account

at Redneck Bank,

Member, FDIC

Interest Checking Rate for Banks

$0

3.00%

With $0 minimum balance

at Redneck Bank,

Member, FDIC

BankBest ForMonthly FeeAPYLearn More
Axos Bank™ Rewards Checking

Axos Bank™ Rewards Checking

at Axos Bank™,

Member, FDIC

Interest Checking Rate for Banks

$0

1.25%

With $0 minimum balance

at Axos Bank™,

Member, FDIC

Discover Cashback Debit

Discover Cashback Debit

at Discover,

Member, FDIC

Cash-Back Rewards

$0

N/A

at Discover,

Member, FDIC

Chase Total Checking®

Chase Total Checking®

at Chase,

Member, FDIC

Sign-Up Bonus

$12

Waived with direct deposit or $1500 minimum balance

N/A

at Chase,

Member, FDIC

Consumers Credit Union Free Rewards Checking

Consumers Credit Union Free Rewards Checking

at Consumers Credit Union,

Federally insured by the NCUA

Interest Checking Rate for Credit Unions

$0

3.09%

With $0 minimum balance

at Consumers Credit Union,

Federally insured by the NCUA

Axos Bank™ CashBack Checking

Axos Bank™ CashBack Checking

Cash-Back Rewards

$0

1.00%

Redneck Bank Rewards Checkin' Account

Redneck Bank Rewards Checkin' Account

at Redneck Bank,

Member, FDIC

Interest Checking Rate for Banks

$0

3.00%

With $0 minimum balance

at Redneck Bank,

Member, FDIC

Our pick for

Interest Checking Rate for Banks

Axos Bank™ Rewards Checking

at Axos Bank™,

Member, FDIC

Monthly Fee

$0

APY

1.25%

With $0 minimum balance

Our pick for

Cash-Back Rewards

Discover Cashback Debit

at Discover,

Member, FDIC

Monthly Fee

$0

Our pick for

Sign-Up Bonus

Chase Total Checking®

at Chase,

Member, FDIC

Monthly Fee

$12

Waived with direct deposit or $1500 minimum balance

Bonus

$200

Requirements to qualify

Our pick for

Interest Checking Rate for Credit Unions

Consumers Credit Union Free Rewards Checking

at Consumers Credit Union,

Federally insured by the NCUA

at Consumers Credit Union,

Federally insured by the NCUA

Monthly Fee

$0

APY

3.09%

With $0 minimum balance

Our pick for

Cash-Back Rewards

Monthly Fee

$0

APY

1.00%

Our pick for

Interest Checking Rate for Banks

Redneck Bank Rewards Checkin' Account

at Redneck Bank,

Member, FDIC

Monthly Fee

$0

APY

3.00%

With $0 minimum balance

» Want to explore one-time bonuses? Browse our monthly roundup of best bank account bonuses
Chasing the best rewards and sign-up bonuses in the world can’t make up for having a checking account that lacks features you need or that charges you high fees to access your money. But it’s worth looking for a financial institution that offers you a little extra incentive to bank with it.

Last updated on June 27, 2019

Methodology

We took a close look at over 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 yields, minimum balances, fees, digital experience and more.

Financial institutions surveyed include: Alaska USA Federal Credit Union, Alliant Credit Union, Ally Bank, America First Credit Union, American Express, Aspiration, Associated Bank, Axos Bank, Bank5 Connect, Bank7, Bank of America, Bank of the West, Barclays, BB&T, BBVA, Boeing Employees Credit Union, BMO Harris, Capital One 360, Charles Schwab Bank, Chase, Chime, CIT, Citibank, Citizens Access, Citizens Bank, Comerica Bank, Commerce Bank, Connexus Credit Union, Consumers Credit Union, Discover Bank, E-Trade, Fidelity, Fifth Third Bank, First National Bank, First Tech Federal Credit Union, GoBank, Golden 1 Credit Union, GS Bank, HSBC Bank USA, Huntington Bank, KeyBank, MetaBank, M&T Bank, Moven, Navy Federal Credit Union, Pentagon Federal Credit Union, PNC, Popular Direct, PurePoint Financial, Radius Bank, Redneck Bank, Regions Bank, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Service Credit Union, Simple, State Employees’ Credit Union of North Carolina, State Farm Bank, Suncoast Credit Union, SunTrust Bank, Synchrony Bank, TCF Bank, TD Bank, TIAA Bank, Union Bank, UFB Direct, USAA, U.S. Bank, Varo, Wells Fargo and Zions Bank.

How we rate banks and credit unions

To recap our selections...

NerdWallet's Best Rewards Checking Accounts of 2019