Standout Online 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.
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.
Standout Online Checking Accounts From Our Partners
Bank/institution | NerdWallet rating | Monthly fee | APY | Bonus | Learn more |
---|---|---|---|---|---|
⏰ LTO SoFi Checking and Savings Learn more at SoFi Bank, N.A., Member FDIC | $0 | 0.50% With $0 min. balance for APY | $400 Limited-time offer Up to $300 cash and $100 in rewards points. Terms apply. | Learn more at SoFi Bank, N.A., Member FDIC | |
nbkc bank Everything Account Learn more at nbkc bank, Member FDIC | $0 | 1.75% With $0 min. balance for APY | N/A | Learn more at nbkc bank, Member FDIC | |
Axos Bank® Rewards Checking Learn more at Axos Bank®, Member FDIC | $0 | 3.30% With $0 min. balance for APY | $300 Earn $300 with direct deposit. Terms apply. | Learn more at Axos Bank®, Member FDIC | |
Discover® Cashback Debit Learn more at Discover® Bank, Member FDIC | $0 | N/A | N/A | Learn more at Discover® Bank, Member FDIC | |
BMO Smart Advantage Checking Learn more at BMO Bank N.A., Member FDIC | $0 | N/A | $250 Requirements to qualify | Learn more at BMO Bank N.A., Member FDIC |
You may also like these
People often identify opening a savings account as their next money move.
American Express® High Yield Savings Account
APY
With $1 min. balance for APY
at American Express National Bank, Member FDIC
Marcus by Goldman Sachs Online Savings Account
APY
With $0 min. balance for APY
at Goldman Sachs Bank USA, Member FDIC
EverBank Performance℠ Savings
APY
With $0 min. balance for APY
at EverBank, Member FDIC
⏰ Limited-time offer
Limited-time offer
Don’t miss out on a bigger bonus
Get a NerdWallet-exclusive bonus of up to $400 when you open an account and hit $5,000 in direct deposits within 25 days after your first one. That’s $100 more than SoFi’s normal $300 bonus! Select "Learn More" to get started. Expires 4/22/24. Terms apply.
$0
1.75%
With $0 min. balance for APY
N/A
$0
3.30%
With $0 min. balance for APY
$300
Earn $300 with direct deposit. Terms apply.
$0
N/A
N/A
$0
N/A
$250
Requirements to qualify
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.
To recap our selections...
NerdWallet's Standout Online Checking Accounts
- SoFi Checking and Savings: 0.50% APY
- nbkc bank Everything Account: 1.75% APY
- Axos Bank® Rewards Checking: 3.30% APY
- Discover® Cashback Debit
- BMO Smart Advantage Checking