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
- 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
- Only $50 to open an account
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Axos Bank Business Interest Checking
- 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)
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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
- Zero monthly maintenance fees
- Zero minimum monthly balance requirements
- First 50 checks free
- Unlimited domestic ATM fee reimbursements
- $1,000 minimum opening deposit
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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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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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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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