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Standout checking accounts

There are a lot of checking accounts out there. So many, in fact, it can be overwhelming to weed through all the options — good and bad — and then confidently choose one. Social scientists call this “information overload”. We call it inconvenient.

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. Compare standout checking accounts from our partners below.

Monthly feeOut-of-Network ATM FeeDetails
Radius Bank Rewards Checking's logo

at Radius Bank,

Member FDIC

$0

$0

Why we like it

The new Rewards Checking, launched in September 2019, combines the features of two previous accounts, Hybrid and Rewards Checking. You can earn 1% cash back on signature-based purchases in stores and online (at store checkouts, you select “credit” instead of “debit”). If your balance hits $2,500, a 0.10% annual percentage yield kicks in. If you have $100,000 or more, the rate becomes 0.15% APY.

Radius has only one full-service branch, in Boston, so you’ll have to be comfortable banking online.

For more details on Radius Bank, read our full review.

HSBC Advance Checking - $200 Welcome Deposit's logo

at HSBC,

Member FDIC

$25

Waived with direct deposit or $5000 minimum balance

$0

Why we like it

HSBC’s Advance Checking Account offers customers access to all 385 HSBC ATMs, and the bank doesn’t charge if you use an out-of-network ATM, though the ATM operator might. You also earn a 0.01% APY on balances over $5, which is minimal, but many checking accounts don’t earn interest at all. HSBC also offers 24/7 support for customers.

There is a monthly fee of $25 for this account, which can be waived if a balance of $5,000 is maintained.

Want to earn a high APY on your savings?

With competitive APYs, rock-bottom fees and more, these savings accounts offer something for everyone. Check out the offer, from our partner, and start earning interest today.

BankAPYMonthly FeeDetails
American Express® High Yield Savings Account's logo

at American Express National Bank,

Member FDIC

0.60%

With $0 minimum balance

$0

Pros

  • Customer service available 24/7
  • $0 minimum balance
  • No monthly fees

Cons

  • No checking account, mobile app or ATM cards
  • No branches

More about checking accounts

A checking account is a bank account that is typically used for everyday expenses. It tends to have a lower interest rate than a savings or money market account, but unlike those accounts, there's no limit to how often you can access your money.

Why online checking accounts dominate the list

Some important factors for virtually every bank-shopper are monthly fees, ATM access and interest rates (since they have the biggest impact on your bottom line). And, as it happens, online banks typically offer higher interest rates.

A little about us
At NerdWallet, we offer straightforward info and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.