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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.

Bank of America Advantage Plus Banking®

at Bank of America, N.A., Member FDIC

Bank of America Advantage Plus Banking®

3.5

NerdWallet rating 
Bank of America Advantage Plus Banking®

Monthly Fee

$12.00

Waived with direct deposit of $250 or $1,500 daily minimum balance

APY

N/A

Bonus

$100

See offer page for more details

at Bank of America, N.A., Member FDIC


Bonus

$100

See offer page for more details

Why we like it

Like many national banks, Bank of America offers access to a wide network of free ATMs and branch offices. Well-designed online and mobile banking tools complete the banking experience. But easy access and a solid digital experience come at the price of hefty fees and weak savings rates.

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HSBC Premier Checking - $450 Welcome Deposit

at HSBC, Member FDIC

HSBC Premier Checking - $450 Welcome Deposit

2.0

NerdWallet rating 
HSBC Premier Checking - $450 Welcome Deposit

Monthly Fee

$50.00

Waived with direct deposit or $75,000 minimum balance

APY

0.01%

With $5 minimum balance

Bonus

$450

Requirements to qualify

at HSBC, Member FDIC


Bonus

$450

Requirements to qualify

Why we like it

HSBC is a huge international bank with about 220 locations in a handful of U.S. states, mostly on the East Coast. Access isn’t its strong suit — there aren’t many branches or ATMs, especially outside of major cities, and the website can be difficult to navigate. However, you can easily open and avoid fees on HSBC’s basic products, including its competitive Direct Savings account.

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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.

Explore Best Savings Accounts

Marcus by Goldman Sachs Online Savings Account

4.5

NerdWallet rating 
Marcus by Goldman Sachs Online Savings Account

APY

0.50%

With $0 minimum balance

Bonus

N/A

at Marcus by Goldman Sachs, Member FDIC

American Express® High Yield Savings Account

4.5

NerdWallet rating 
American Express® High Yield Savings Account

APY

0.40%

With $0 minimum balance

Bonus

N/A

at American Express National Bank, Member FDIC

To recap our selections...

NerdWallet's Standout Online Checking Accounts