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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.

Standout Online Checking Accounts From Our Partners

Recently Updated January 6, 2023

NerdWallet rating 

5.0

/5
SoFi Checking and Savings
Learn more

at SoFi, Member FDIC

APY

2.50%

With $0 min. balance for APY

Bonus

$250

Earn up to $250 with direct deposit. Terms apply.

Monthly fee

$0

Overdraft star rating

5.0/5

NerdWallet rating 

4.5

/5
Chime Checking Account
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at Chime, Deposits are FDIC Insured

APY

N/A

Bonus

N/A

Monthly fee

$0

Overdraft star rating

5.0/5

NerdWallet rating 

2.5

/5
Citi Priority Account
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at Citibank, N.A.

APY

N/A

Bonus

$200

Requirements to qualify

Monthly fee

$30.00

Waived with $30,000 minimum balance

Overdraft star rating

Not yet rated

NerdWallet rating 

4.5

/5
Current Account
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at Current, Deposits are FDIC Insured

APY

N/A

Bonus

N/A

Monthly fee

$0

Overdraft star rating

5.0/5

NerdWallet rating 

4.0

/5
Chase Total Checking®
Learn more

at Chase, Member FDIC

APY

N/A

Bonus

$200

Requirements to qualify

Monthly fee

$12.00

Waived with direct deposit or $1,500 minimum balance

Overdraft star rating

3.5/5

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.

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People often identify opening a savings account as their next money move.

CIT Bank Savings Connect

4.5

NerdWallet rating 
CIT Bank Savings Connect

APY

4.05%

With $0 min. balance for APY

American Express® High Yield Savings Account

4.5

NerdWallet rating 
American Express® High Yield Savings Account

APY

3.30%

With $1 min. balance for APY

at American Express National Bank, Member FDIC

Discover Bank Online Savings

5.0

NerdWallet rating 
Discover Bank Online Savings

APY

3.30%

With $0 min. balance for APY

To recap our selections...

NerdWallet's Standout Online Checking Accounts