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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

SoFi Checking and Savings
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at SoFi, Member FDIC

SoFi Checking and Savings

5.0

NerdWallet rating 
SoFi Checking and Savings

Monthly fee

$0

APY

2.50%

With $0 min. balance for APY

Bonus

$250

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

Learn more

at SoFi, Member FDIC


Bonus

$250

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

Read Full Review
Chime Checking Account
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at Chime, Deposits are FDIC Insured

Chime Checking Account

4.5

NerdWallet rating 
Chime Checking Account

Monthly fee

$0

APY

N/A

Bonus

N/A
Learn more

at Chime, Deposits are FDIC Insured


Bonus

N/A

Why we like it

Chime is a mobile checking account that has no minimum balance requirements or overdraft fees, and you have access to more than 38,000 fee-free MoneyPass and Visa Plus Alliance ATMs. There are also no monthly fees, though cash withdrawal and third-party fees may apply. Through Chime’s early direct deposit service, customers can get their paychecks up to two days earlier than if they cashed their checks at a bank, though early access to direct deposit funds depends on payer.

This account works best for people who don’t write many checks or make cash deposits. If you need to write a check, Chime has an online feature that creates and mails one on your behalf. For cash deposits, you’ll need to use a third-party service.

Read Full Review
Upgrade - Rewards Checking
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at Upgrade, Deposits are FDIC Insured

Upgrade - Rewards Checking

4.5

NerdWallet rating 
Upgrade - Rewards Checking

Monthly fee

$0

APY

N/A

Bonus

N/A
Learn more

at Upgrade, Deposits are FDIC Insured

Citi Priority Account
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at Citibank, N.A.

Citi Priority Account

2.5

NerdWallet rating 
Citi Priority Account

Monthly fee

$30.00

Waived with $30,000 minimum balance

APY

N/A

Bonus

$200

Requirements to qualify

Learn more

at Citibank, N.A.


Bonus

$200

Requirements to qualify

Read Full Review
Current Account
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at Current, Deposits are FDIC Insured

Current Account

4.5

NerdWallet rating 
Current Account

Monthly fee

$0

APY

N/A

Bonus

N/A
Learn more

at Current, Deposits are FDIC Insured

Chase Total Checking®
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at Chase, Member FDIC

Chase Total Checking®

4.0

NerdWallet rating 
Chase Total Checking®

Monthly fee

$12.00

Waived with direct deposit or $1,500 minimum balance

APY

N/A

Bonus

$200

Requirements to qualify

Learn more

at Chase, Member FDIC


Bonus

$200

Requirements to qualify

Why we like it

Chase offers new customers who set up direct deposit a welcome bonus of $200 (expires 1/21/20). You can avoid a $12 monthly maintenance fee by receiving at least $500 in direct deposits each month, keeping a minimum daily balance of $1,500 in your new checking account or maintaining an average daily balance of at least $5,000 across eligible Chase accounts and investments.

Bonus aside, this account is a winner if you prefer a big-bank experience — Chase has nearly 5,000 branches and more than 16,000 ATMs — and want to have multiple types of accounts at one place. We don’t recommend choosing your primary checking account based solely on a sign-up bonus. But if you like the account and its features anyway, you can get a little something extra.

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

Read Full Review

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

3.25%

With $100 min. balance for APY

at CIT Bank, Member FDIC

American Express® High Yield Savings Account

4.5

NerdWallet rating 
American Express® High Yield Savings Account

APY

3.00%

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

3.00%

With $0 min. balance for APY

at Discover Bank, Member FDIC