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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.

CIT Bank Savings Connect

4.5

NerdWallet rating 
CIT Bank Savings Connect

APY

4.65%

With $0 min. balance for APY

American Express® High Yield Savings Account

4.0

NerdWallet rating 
American Express® High Yield Savings Account

APY

4.35%

With $1 min. balance for APY

Learn more

at American Express National Bank, Member FDIC

Discover® Online Savings

4.5

NerdWallet rating 
Discover® Online Savings

APY

4.25%

With $0 min. balance for APY

⏰ Limited-time offer

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
$400

Limited-time offer

Up to $300 cash and $100 in rewards points. Terms apply.
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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.

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

N/A

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

$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