Choosing one of the interest checking accounts in our database means you will earn interest on the funds you use for your everyday expenses. In the current environment, interest rates on even high-yield checking tends to be very low, so before selecting an interest checking account with a monthly fee, make sure you’ll earn at least the cost of that fee back in interest.
According to the latest WalletHub Banking Landscape Report, credit unions typically pay higher rates on interest checking than banks overall, but make sure to check the rates offered at online banks, too, since they tend to be the highest of all.
According to the latest WalletHub Banking Landscape Report, credit unions typically pay higher rates on interest checking than banks overall, but make sure to check the rates offered at online banks, too, since they tend to be the highest of all.
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Updating Checking Accounts
HSBC Premier Checking
- Get up to $600 with a 3% Cash Bonus Checking Offer when you open a new HSBC Premier checking account and complete the following qualifying activities.
- Open your new HSBC Premier checking account online by June 30, 2021; and
- Set up Qualifying Direct Deposits into your new HSBC Premier checking account; and then
- Enjoy 3% Cash Bonus, up to $600, on Qualifying Direct Deposits up to $100 per month, during the first 6 calendar months after account opening
- You will automatically receive the 3% Cash Bonus in your new HSBC Premier checking account approximately eight weeks after completing that month’s qualifying activities.
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
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Independent Bank One Account
APY
3.04%
Monthly Fee
None
Signup Bonus
None
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- Earn up to 3.00% APY by using your Independent Bank Debit Mastercard®
- The more you swipe, the more you earn
- Mastercard® Debit Card transactions 0 to 10 will earn 0.01% APY; 11 to 20 will earn 0.25% APY; 21 to 30 will earn 0.75% APY; 31 to 45 will earn 1.51% APY; AND 46+ will earn 3.04% APY
- Balances over $10,000 will earn 0.10%
- Independent Bank waives your fees at over 32,000 MoneyPass ATMs nationwide
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Axos Bank Rewards Checking Account
APY
1.25%
Monthly Fee
None
Signup Bonus
None
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- Earn up to 1.25% APY
- All daily collected balances up to and including $150,000 will earn interest based on the combined rate rewards. All daily collected balances greater than $150,000 will not earn interest
- Unlimited ATM reimbursements at any domestic ATM in the US
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Axos Bank Business Interest Checking
APY
0.81%
Monthly Fee
$10
Signup Bonus
$100.00
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- New business owners get a $100 welcome bonus! If you incorporated after June 1, 2020, Axos Bank will add $100 to your new business bank account. Just use promo code on your application
- In the first two months after account opening, the average daily balance of the account must be at least $2,500 in order to qualify for the $100 bonus
- Earn up to 0.81% Annual Percentage Yield (APY)
- Unlimited domestic ATM fee reimbursements
- Up to 50 free items per month, $0.50 per item thereafter
- Contact the bank for applicable interest rates on balances over $5,000,000
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First Internet Bank Interest Checking
APY
0.3%
Monthly Fee
$10
Signup Bonus
None
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- First order of checks
- First IB will reimburse you up to $10 per month for foreign ATM usage
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Lake City Bank Rewards Checking
APY
0.26%
Monthly Fee
$7
Signup Bonus
None
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- Rewards Checking gives you the opportunity to earn high interest and ATM fee refunds when you meet simple qualifications
- If you do not meet these qualifications during a particular qualification cycle, you will not receive the rewards for that month, will earn 0.01% APY on your entire checking account balance and be charged the monthly maintenance fee
- Up to $25 monthly reimbursement on ATM fees nationwide
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FNBO Direct Online Checking Account
APY
0.25%
Monthly Fee
None
Signup Bonus
None
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- Non-First National Bank of Omaha ATM fees will not be assessed by FNBO Direct
- One free Overdraft or Returned Item forgiveness every 12 months from the date of the last automatic refund
- Access 55,000 ATMs surcharge-free on the Allpoint Network
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iGObanking iGOchecking® High Interest Checking Account
APY
0.25%
Monthly Fee
None
Signup Bonus
None
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- Yielding 0.25%
- iGObanking will rebate up to $15 in other bank domestic ATM Surcharge Fees
- Access 55,000 ATMs worldwide with MasterCard® iGOdebitcard®
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Bank5 Connect High-Interest Checking Account
APY
0.2%
Monthly Fee
None
Signup Bonus
None
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- Your first order of basic checks is free, and you can easily order new checks through Online Banking
- Bank5 Connect will never charge you for using an ATM and will reimburse other banks’ surcharges up to $15 per statement cycle
- Your Bank5 Connect Visa® debit card gives you free access to thousands of SUM® Network ATMs nationwide
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Amalgamated Bank Online Checking
APY
0.2%
Monthly Fee
None
Signup Bonus
None
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- Two (2) domestic non-Allpoint®, non-Amalgamated Bank ATM surcharges waived per statement cycle
- Surcharge-free access to more than 40,000 Allpoint® ATMs nationwide
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