An interest checking account can help you earn a return without sacrificing flexibility. We've compiled the best checking accounts with the highest yields at banks and credit unions nationwide.

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interest-bearing accounts

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Minimum balance for APYAPY

EarnMore Interest Checking Account

MemoryBank

EarnMore Interest Checking Account

MemoryBank
View Details
Minimum balance for APY
$0
Member, FDIC

Account Details

  • Qualifying customers can earn 1.6% APY
  • Requirements to qualify: 1+ direct deposit must be conducted each statement cycle
  • At least 5 point-of-sale (POS) debit card transactions must occur during the statement cycle
  • You must receive online statements
  • Access to over 85,000 fee-free ATMs

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Mobile Check Deposits
  • Free Debit Card Replacement
  • No ATM Fees

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $36
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $36
View Details

Personal Account

nbkc bank

Personal Account

nbkc bank
View Details
Minimum balance for APY
$0
Member, FDIC

Account Details

  • Earn 0.90% APY on all balances
  • $0 Overdrafts or NSFs
  • Use any of the 24,000+ MoneyPass® ATMs in the U.S. for free.
  • Up to $12 monthly refunds for ATM fees other banks charge you
  • $0 minimum balance
  • $0 for a NBKC Debit MasterCard®
  • $0 for Online Banking with Bill Pay
  • $0 to deposit checks from your phone
  • $0 eStatements

Benefit Overview

  • Interest Earning Account
  • Free Debit Card Replacement
  • No Foreign Transaction Fee
  • No ATM Fees
  • Overdraft Forgiveness

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Radius Hybrid

Radius Bank

Radius Hybrid

Radius Bank
View Details
Minimum balance for APY
$1
Member, FDIC

Account Details

  • Earn an APY of 0.85% if your balance is $2,500 or higher*
  • Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you
  • Pay anyone, anywhere with Radius Pay a Friend
  • No monthly maintenance fees
  • No monthly minimum balance requirement (after $10.00 minimum to open)

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Free Debit Card Replacement
  • Reduced ATM Fees

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $25
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $25
View Details

High Interest Checking

Bank5 Connect

High Interest Checking

Bank5 Connect
View Details
Minimum balance for APY
$100
Member, FDIC

Account Details

  • No monthly maintenance fee
  • Free online banking/billpay/eStatements
  • Free first order of basic checks
  • Earn APY of 0.76% on all balances over $100
  • No ATM fees
  • Up to $15 in ATM surcharges reimbursed each month

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Free Debit Card Replacement
  • Reduced ATM Fees

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $15
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $15
View Details

Checking Account

FNBO Direct

Checking Account

FNBO Direct
View Details
Minimum balance for APY
$1
Member, FDIC

Account Details

  • Using an ATM not branded with the Circle One logo may incur a surcharge

Benefit Overview

  • Interest Earning Account
  • Free Debit Card Replacement
  • No ATM Fees

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $33
View Details

MyCBB Free Checking

MyCBB

MyCBB Free Checking

MyCBB
View Details
Minimum balance for APY
$100
Member, FDIC

Account Details

  • $100 minimum opening deposit
  • Free debit card and initial check order

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Reduced ATM Fees
  • Overdraft Forgiveness

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $5
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Interest Checking Account

State Farm Bank

Interest Checking Account

State Farm Bank
View Details
Minimum balance for APY
$2,500
Member, FDIC

Account Details

  • Make deposits from home or on the go with MyTime Deposit®
  • ATM Fee rebates up to $10 per statement cycle or unlimited with direct deposit. Limitations Apply
  • Bank anywhere with State Farm Pocket Agent®

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Mobile Check Deposits
  • Reduced ATM Fees

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $20
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $10
  • Overdraft/NSF
    $25
View Details

Checking Account

Schwab Bank

Checking Account

Schwab Bank
View Details
Minimum balance for APY
$1
Member, FDIC

Account Details

  • Requires opening a linked Schwab One® brokerage account with no fees or minimums
  • Unlimited fee rebates from any ATM worldwide
  • Free bill pay on Schwab.com and Schwab Mobile

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Mobile Check Deposits
  • Free Debit Card Replacement
  • No Foreign Transaction Fee
  • Reduced ATM Fees

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $25
View Details

360 Checking

Capital One

360 Checking

Capital One
View Details
Minimum balance for APY
$1
Member, FDIC

Account Details

  • 38,000 fee-free Allpoint® ATMs and 2,000 Capital One® ATMs
  • Free MasterCard® Debit Card for all purchases
  • Overdraft protection options: Set up Free Savings Transfer
  • Or apply for an Overdraft Line of Credit, where you'll pay interest only on the amount you borrow

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • Free Debit Card Replacement
  • No Foreign Transaction Fee
  • No ATM Fees
  • Overdraft Forgiveness

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $25
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

ClearChoice Interest Checking

BBVA Compass

ClearChoice Interest Checking

BBVA Compass
View Details
Minimum balance for APY
$2,000
Member, FDIC

Account Details

  • Open with $25
  • Complimentary Online Banking and Mobile Banking, with Mobile Deposit® and Bill Pay
  • Surcharge-free ATMs available at over 43,000 Allpoint and BBVA Compass ATMs
  • Complimentary online and paper statements
  • Free unlimited check writing

Benefit Overview

  • Mobile App Available
  • Reduced ATM Fees
  • Interest Earning Account
  • Mobile Check Deposits

Fee Breakdown

  • Paper Statements
    $3
  • Stop Payments
    $32
  • Debit Card Replacement
    $5
  • Out-of-Network ATM
    $0
  • Early Closure
    $25
  • Monthly Fee
    $25
  • Overdraft/NSF
    $32
View Details