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.
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MemoryBank EarnMore Checking Account
APY
1.6%
Monthly Fee
None
Signup Bonus
None
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- 24/7 online banking with no monthly maintenance fees.
- Enjoy over 92,000 surcharge-free ATMs with your MemoryBank MasterCard® debit card.
Axos Bank Rewards Checking Account
APY
1.25%
Monthly Fee
None
Signup Bonus
None
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- 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.
- Overdraft protection available by linking your Checking or Savings account with no associated overdraft or non-sufficient funds fees.
- Unlimited ATM reimbursements at any domestic ATM in the US.
Axos Bank Business Interest Checking
APY
0.8%
Monthly Fee
$10
Signup Bonus
None
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- Up to 50 free items per month, $.50 per item thereafter.
- Unlimited ATM Fee Reimbursement (excludes International ATM transactions).
- APY/RATES over $5,000,000 - Contact a Relationship Manager for current rates.
First Internet Bank Interest Checking
APY
0.7%
Monthly Fee
$10
Signup Bonus
None
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- Free First order of checks, unlimited check writing.
- Withdraw funds from your Interest Checking account using any ATM and First Internet Bank will pay you up to $10 per month to cover the ATM fees charged by other banks.
FNBO Direct Online Checking Account
APY
0.65%
Monthly Fee
None
Signup Bonus
None
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- You'll automatically receive one free Overdraft or Returned Item fee every 12 months from the date of your last refund.
- International Wire Transfers are not allowed for FNBO Direct customers.
- 24/7 worldwide access to over 2 million ATM locations. Free FNBO atm and non-FNBO atm Withdrawals (Other bank and ATM Operators' surcharges may apply).
Amalgamated Bank Online Checking
APY
0.6%
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.
Charles Schwab Bank High Yield Investor Checking
APY
0.401%
Monthly Fee
None
Signup Bonus
None
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- Unlimited ATM fee rebates worldwide.
- When you open your High Yield Investor Checking account, you’ll be opening a brokerage account at the same time and receiving a separate account number for each. You can view both accounts online with a single login, pay no monthly or low-balance fees, and easily transfer funds between accounts for free.
- Domestic wires only (Schwab Bank does not send wires to countries outside the U.S. and its territories).
iGObanking.com iGOchecking High Yield Account
APY
0.25%
Monthly Fee
None
Signup Bonus
None
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- Deposit Checks with Flexible Deposit™ for FREE!
- Accessibility to over 43,000 surcharge Free ATMs nationwide through the Allpoint network.
State Farm Bank Interest Checking
APY
0.25%
Monthly Fee
$10
Signup Bonus
None
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- ATM fee rebates — $10 per statement cycle or unlimited with direct deposit.
- Overdraft protection for Interest Checking is available with transfer from another State Farm Bank deposit account or State Farm® Visa® credit card.
- Withdrawals, transfers, and balance inquiries can be made at ATMs that display NYCE®, Visa or PLUS® network logos.
Capital One 360 Checking Account
APY
0.2%
Monthly Fee
None
Signup Bonus
None
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- 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
- 39,000+ Fee-free Capital One® and Allpoint® ATMs.
