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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. Below we’ve rounded up some standout checking accounts.

Monthly fee

Out-of-Network ATM Fee

Details

NerdWallet rating

on Chime's secure website

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Monthly fee

$0

$2.50

Why we like it

Chime is a mobile bank account that has no monthly fees, minimum balance requirements or overdraft fees, and you have access to more than 38,000 fee-free MoneyPass and Visa Plus Alliance ATMs.

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NerdWallet rating

on Radius Bank's secure website

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Monthly fee

$0

$0

Why we like it

You can open a Radius Hybrid checking account with just $10 and pay no monthly fees.

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NerdWallet rating

on Simple's secure website

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Monthly fee

$0

$0

Why we like it

Like most checking accounts, Simple’s online checking account lets you sign up for direct deposit, pay bills online and more.

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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 acounts 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.