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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Do you have experience with an online checking account? Make sure to rate that account to help other people comparing online checking options.
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Axos Bank Rewards Checking Account
- Use Promo Code "MAY150" for a $150 bonus!
- Up to 1.25% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Zero Minimum Balance Requirement
- 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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Axos Bank Basic Business Checking
- New business owners get a $200 welcome bonus with promo code NEWBIZ200. Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- ADP Payroll Services – Axos clients receive 1st 4 months free
- Zero monthly maintenance fees
- Unlimited Transactions
- Unlimited domestic ATM fee reimbursements
- $0 Minimum Opening Deposit requirement
- 2 Free Domestic Wires, monthly
- Cash Deposit capability via MoneyPass and AllPoint networks
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Axos Bank Essential Checking
- No monthly maintenance fees
- No minimum monthly balance requirements
- Unlimited domestic ATM fee reimbursements
- No overdraft or non-sufficient funds fees
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Axos Bank CashBack Checking
- Earn up to 1.00% cash back on transactions that require a signature
- No monthly fees
- Unlimited domestic ATM fee reimbursements
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American Express Business Checking
APY
1.1%
Monthly Fee
None
Signup Bonus
$300.00
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- Earn a $300 deposit when you open American Express Business Checking and do the following:
- (a) Deposit $5,000 within 20 days of opening your 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
- 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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American Express Rewards Checking
APY
0.5%
Monthly Fee
None
Signup Bonus
None
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- Earn a 0.50% 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
0.3%
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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