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Standout Online Checking Accounts

When choosing a new checking account, take a close look at fees, branch and ATM accessibility, and interest rate. People who do online banking should select an institution that offers a good website along with a mobile app that lets them deposit checks remotely.

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

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

American Express® High Yield Savings Account

4.5

NerdWallet rating 
American Express® High Yield Savings Account

APY

4.25%

With $1 min. balance for APY

Bonus

N/A

Learn more

at American Express National Bank, Member FDIC

Marcus by Goldman Sachs Online Savings Account

4.5

NerdWallet rating 
Marcus by Goldman Sachs Online Savings Account

APY

4.40%

With $0 min. balance for APY

Bonus

N/A

EverBank Performance℠ Savings

4.5

NerdWallet rating 
EverBank Performance℠ Savings

APY

5.15%

With $0 min. balance for APY

Bonus

N/A

Learn more

at EverBank, Member FDIC

NerdWallet rating 

5.0

/5
SoFi Checking and Savings
Learn more

at SoFi Bank, N.A., Member FDIC

Monthly fee

$0

APY

0.50%

With $0 min. balance for APY

Bonus

$300

Earn up to $300 with direct deposit. Terms apply.

NerdWallet rating 

4.5

/5
BMO Smart Advantage Checking
Learn more

at BMO Bank N.A., Member FDIC

Monthly fee

$0

APY

N/A

Bonus

$350

Requirements to qualify

NerdWallet rating 

5.0

/5
nbkc bank Everything Account
Learn more

at nbkc bank, Member FDIC

Monthly fee

$0

APY

1.75%

With $0 min. balance for APY

Bonus

N/A

NerdWallet rating 

5.0

/5
Axos Bank® Rewards Checking
Learn more

at Axos Bank®, Member FDIC

Monthly fee

$0

APY

3.30%

With $0 min. balance for APY

Bonus

$300

Earn $300 with direct deposit. Terms apply.

NerdWallet rating 

5.0

/5
Discover® Cashback Debit
Learn more

at Discover® Bank, Member FDIC

Monthly fee

$0

APY

N/A

Bonus

$360

Up to $360 per year. See website for details.

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