Online-only banks lack physical branch locations, but they pass the savings on to you through lower fees and higher interest rates on their checking accounts. One of the online checking accounts in our database might be right for you if you do most of your banking online.
Do you have experience with an online checking account? Make sure to rate that account to help other people comparing online checking options.
Do you have experience with an online checking account? Make sure to rate that account to help other people comparing online checking options.
I am
Average Balance
Been Denied for a Checking Account?
Select...
- General Consumer
- Business Owner
- College Student
No
- No
- Yes
Ad Disclosure
Updating Checking Accounts
Axos Bank Rewards Checking Account
APY
1.25%
Monthly Fee
None
Signup Bonus
None
+show details
- Up to 1.25% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Zero Minimum Balance Requirement
- Only $50 to open an account
Show Details
Axos Bank Business Interest Checking
APY
0.81%
Monthly Fee
$10
Signup Bonus
$100.00
+show details
- Earn 0.81% APY
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 50 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
Show Details
First Internet Bank Interest Checking
APY
0.3%
Monthly Fee
$10
Signup Bonus
None
+show details
- First order of checks
- First IB will reimburse you up to $10 per month for foreign ATM usage
Show Details
FNBO Direct Online Checking Account
APY
0.25%
Monthly Fee
None
Signup Bonus
None
+show details
- 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
Show Details
iGObanking iGOchecking® High Interest Checking Account
APY
0.25%
Monthly Fee
None
Signup Bonus
None
+show details
- Yielding 0.25%
- iGObanking will rebate up to $15 in other bank domestic ATM Surcharge Fees
- Access 55,000 ATMs worldwide with MasterCard® iGOdebitcard®
Show Details
Bank5 Connect High-Interest Checking Account
APY
0.2%
Monthly Fee
None
Signup Bonus
None
+show details
- 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
Show Details
Amalgamated Bank Online Checking
APY
0.2%
Monthly Fee
None
Signup Bonus
None
+show details
- Online Checking has no monthly maintenance fee
- 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
Show Details
Ally Bank Interest Checking Account
APY
0.1%
Monthly Fee
None
Signup Bonus
None
+show details
- Ally Bank does not allow sending outgoing international wire transfers to beneficiaries located in other countries
- Use any of the 43,000+ Allpoint® ATMs in the U.S. for free plus reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide
Show Details
Capital One 360 Checking Account
APY
0.1%
Monthly Fee
None
Signup Bonus
None
+show details
- You have four options to choose from if you want overdraft service: Auto-Decline, Free Savings Transfer, Next Day Grace, and Overdraft Line of Credit. Your default option is Auto-Decline. You can change your overdraft preference after you open the account. If you are enrolled in Next Day Grace, the overdraft fee is $35 per transaction
- Bounced checks written from your account will incur a $9 non-sufficient funds (NSF) fee, regardless of coverage option
- Use over 70,000 Capital One® or Allpoint ATMs at zero cost
Show Details
TIAA Bank Yield Pledge Checking
APY
0.1%
Monthly Fee
None
Signup Bonus
None
+show details
- No monthly account fee
- TIAA Bank does not charge ATM fees and will automatically reimburse you up to $15 for the ATM fees paid at other U.S. ATMs each month, regardless of your TIAA Bank account balance
- For TIAA Bank accounts that carry a minimum average daily balance of $5,000, ATM fee reimbursement is unlimited
- You can freely access your cash at over 80,000 no-fee ATMs across the country
Show Details