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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Minimum balance for APYAPY

Fee-Free Checking Account

Simple

Fee-Free Checking Account

Simple
View Details
Minimum balance for APY
$2,000
Deposits are FDIC Insured

Account Details

  • No fees. No minimum balances. No overdraft charges.
  • See your spending as it happens. Push notifications with every swipe.
  • Safe-to-Spend® factors in upcoming bills, scheduled transactions, and transfers.
  • Save money automatically.
  • Over 40,000 fee-free ATMs, free direct deposit, photo check deposit, mobile apps.
  • Simple does not charge ATM fees, but the ATM itself might. Use Allpoint ATMs to avoid all fees.
  • Block and Unblock Card with Mobile App

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • 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
    $0
View Details

Spend & Save Account

Aspiration

Spend & Save Account

Aspiration
View Details
Minimum balance for APY
$0
Deposits are FDIC Insured

Account Details

  • Use any ATM in the world free of charge
  • Account prevents overdrafts at ATMs & debit transactions
  • Minimum initial deposit: $10
  • Minimum balance to maintain: $0

Benefit Overview

  • Interest Earning Account
  • 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
    $0
View Details

Rewards Checking

Axos Bank™

Rewards Checking

Axos Bank™
View Details
Minimum balance for APY
$0
Member, FDIC

Account Details

  • Earn up to 1.25% APY
  • No Monthly Fees
  • No Overdraft Fees
  • No Minimum Balance
  • Purchase Rewards Program
  • No Fees to Use Domestic ATMs
  • Must be a U.S. resident to open an account

Benefit Overview

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

Fee Breakdown

  • Paper Statements
    $10
  • Stop Payments
    $35
  • Debit Card Replacement
    $10
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Personal Account

nbkc bank

Personal Account

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

Account Details

  • Earn 1.01% APY on all balances
  • $0 Overdrafts or NSFs
  • Use any of the 32,000+ 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 1.00% APY on balances of $2,500–$99,999.99*
  • Earn 1.20% APY on balances of $100,000 & up*
  • 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

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

High Yield Investor Checking®

Schwab Bank

High Yield Investor Checking®

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

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