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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

4.00%

With $0 min. balance for APY

Bonus

N/A

Learn more

at American Express National Bank, Member FDIC

Public

4.6

NerdWallet rating 
Public

Fees

$0

Account minimum

$0

Promotion

Earn up to $10,000

when you transfer your investment portfolio to Public.

Learn more

on Public's website

Vanguard Cash Plus Account - Paid non-client promotion

4.0

NerdWallet rating 
Vanguard Cash Plus Account - Paid non-client promotion

Monthly fee

$0

APY

3.90%

With $0 min. balance for APY

Bonus

N/A

Learn more

at Vanguard, Deposits are FDIC Insured

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 

4.8

/5
Capital One 360 Checking
Learn more

at Capital One, Member FDIC

Monthly fee

$0

APY

0.10%

With $0 min. balance for APY

Bonus

$250

Earn up to $250 with 360 Checking. Terms Apply.

NerdWallet rating 

3.0

/5
Chase Private Client Checking℠
Learn more

at Chase, Member FDIC

Monthly fee

$35.00

$0 with qualifying activities

APY

0.01%

With $0 min. balance for APY

Bonus

$3,000

Requirements to qualify

NerdWallet rating 

4.6

/5
UFB Freedom Checking
Learn more

at UFB Direct, Member FDIC

Monthly fee

$0

APY

2.00%

With $0 min. balance for APY

Bonus

N/A

NerdWallet rating 

4.0

/5
E*TRADE Max-Rate Checking
Learn more

at Morgan Stanley Private Bank, National Association, Member FDIC

Monthly fee

$15.00

Waived with direct deposit or $5,000 minimum balance

APY

3.00%

With $0 min. balance for APY

Bonus

N/A

NerdWallet rating 

4.6

/5
Chase Total Checking®
Learn more

at Chase, Member FDIC

Monthly fee

$12.00

Waived with direct deposit or $1,500 minimum balance

APY

N/A

Bonus

$300

Requirements to qualify

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