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
Axos Bank Rewards Checking Account
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
- Only $50 to open an account
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Axos Bank Business Interest Checking
- Earn 1.01% APY*
- New business owners get a $200 welcome bonus with promo code NEWBIZ200. Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Enhanced Visa Debit Card Perks
- ADP Payroll Services – Axos clients receive 1st 4 months free
- Cash Deposit capability via MoneyPass and AllPoint networks
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Axos Bank First Checking
- For customers ages 13-17.
- No monthly maintenance fees.
- No overdraft or non-sufficient funds fees.
- Earn 0.10% APY.
- Up to $12 domestic ATM fee reimbursements per month.
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Axos Bank Golden Checking
- For customers age 55 and over.
- 0.10% APY on all balances.
- No fees and free personal checks.
- Up to $8 domestic ATM fee reimbursements per month.
- No overdraft or non-sufficient fund fees.
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American Express Business Checking
APY
1.1%
Monthly Fee
None
Signup Bonus
None
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- Earn 20,000 Membership Rewards® points after you:
- (a) Make an eligible deposit of $5,000 [or more] within 20 days of opening your first account, AND
- (b) Maintain an average account balance of $5,000 for 60 days, AND
- (c) Make 10 or more qualifying transactions within 60 days of opening your account.
- Any points you earn, including this Welcome Offer and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.
- If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.
- 1.1% APY on balances up to $500k. No interest is earned on account balances over $500,000
- No monthly account maintenance fees
- No minimum balance requirement
- With 37,000 MoneyPass® ATMs nationwide, you can enjoy fee-free withdrawals at locations near you
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LendingClub Tailored Checking
APY
1%
Monthly Fee
$10
Signup Bonus
None
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- Earn 1.00% APY up to $100,000.00 and 0.10% APY on the portion of the balance that is 100,000.00 and greater
- Earn 1% cash back: You must have a Tailored Checking account open for at least 30 days and keep an average balance of $500 or more in your account
- Unlimited Transactions. No penalties, and no fees on debit card transactions, ATM deposits, and the checks you write.
- Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you.
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Bank5 Connect High-Interest Checking Account
APY
0.7%
Monthly Fee
None
Signup Bonus
None
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- No Maintenance Fees
- 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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American Express Rewards Checking
APY
0.6%
Monthly Fee
None
Signup Bonus
None
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- Earn a 0.60% APY, 10X higher than the national rate
- No Monthly Account Fees and No Minimum Balance Requirements
- Earn Membership Rewards® points on Debit Card purchases: Reward your everyday spending and earn 1 Membership Rewards point for each $2 of eligible Debit Card purchases. No cap on how many points you can earn
- Amex Rewards Checking accounts do not currently provide services for wire payments, overdraft protection, or online bill payment
- With 37,000 MoneyPass® ATMs nationwide, you can enjoy fee-free withdrawals at locations near you
- Amex Rewards Checking accounts are subject to a maximum deposit limit of $5,000,000.
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First Internet Bank Interest Checking
APY
0.5%
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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NBKC Bank Everything Account
APY
0.5%
Monthly Fee
None
Signup Bonus
None
+show details
- No minimum balance fees
- No fees for Overdrafts (NSFs), Returned Items
- Reimburses $12 per month for out-of-network ATM fees
- Use 37,000+ MoneyPass® ATMs in the U.S for free
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