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

Checking & Budgeting

Simple

Checking & Budgeting

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

Account Details

  • Earn 2.02% APY on your entire balance in your Protected Goals Account. Bank, budget, and earn 30x1 the national average.
  • Simple Goals
  • Use Goals to stash away money: Save for the unexpected or automate saving for things you want. From a trip to Italy to a new bike.
  • Simple Expenses
  • Set it & forget: Set up your Expenses one time and going forward, we’ll do the boring work of recreating the Expense for you. That way, when you pay your rent bill, your Expense is already saving up for next month’s bill. Yep, it’s our job now. (You can even split Expenses with a partner when using a Shared Account).
  • Safe-to-Spend®
  • Spend spontaneously, without derailing your budget or bills (or doing math on the spot...). We take your account balance, subtract your Expenses and Goals, and tell you exactly how much money you have leftover to spend on whatever you want. (Buy the shoes!)
  • Shared Accounts
  • Earn interest with whoever you’re interested in: Let your money earn up to 30x1 the national average with a Shared Protected Goals Account. And when it comes to shared bills, two paychecks are better than one! Open a Simple Shared account and tackle them together.

Benefit Overview

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

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

Hybrid Checking

Radius Bank

Hybrid Checking

Radius Bank
View Details
Minimum balance for APY
$2,500
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

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

Access America Checking

PenFed Credit Union

Access America Checking

PenFed Credit Union
View Details
Minimum balance for APY
$1
Federally insured by the NCUA

Account Details

  • Daily balance of $500 or Direct Deposit of at least $500 monthly to the account is required to avoid the $10 monthly service charge.
  • First order of Access America checks is Free
  • Unlimited PenFed ATM transactions, both withdrawals and balance inquiries, per statement cycle.
  • Superior dividends, easy access, exceptional terms and unparalleled service with direct deposit of $1,000 or more AND an average daily balance between $5,000 and $50,000 per statement cycle.
  • This is account is a variable rate account. Rates and tiers subject to change.
  • Federally insured by the NCUA
  • When using a non-PenFed ATM, the ATM owner may charge a fee
  • Surcharge-free ATM network: Allpoint, CU24

Benefit Overview

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

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $15
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $10
  • Overdraft/NSF
    $30
View Details