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
APY
1.25%
Monthly Fee
None
Signup Bonus
None
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- Earn up to 1.25% APY
- 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
- Unlimited ATM reimbursements at any domestic ATM in the US
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Axos Bank Business Interest Checking
APY
0.81%
Monthly Fee
$10
Signup Bonus
$100.00
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- New business owners get a $100 welcome bonus! If you incorporated after June 1, 2020, Axos Bank will add $100 to your new business bank account. Just use promo code on your application
- In the first two months after account opening, the average daily balance of the account must be at least $2,500 in order to qualify for the $100 bonus
- Earn up to 0.81% Annual Percentage Yield (APY)
- Unlimited domestic ATM fee reimbursements
- Up to 50 free items per month, $0.50 per item thereafter
- Contact the bank for applicable interest rates on balances over $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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FNBO Direct Online Checking Account
APY
0.25%
Monthly Fee
None
Signup Bonus
None
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- 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
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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%
- 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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Amalgamated Bank Online Checking
APY
0.2%
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
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Giantbank.com Interest Checking
APY
0.15%
Monthly Fee
None
Signup Bonus
None
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- Statements mailed monthly with interim activity available online
- FREE giantbank.com specialty wallet style checks at account opening
- Giantbank.com does not charge ATM withdrawal fees along with waiver of ALL ATM fees charged by other financial institutions each month
- ATM withdrawals made at 1,220 Presto ATM are currently FREE of a service charge
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TIAA Bank Yield Pledge Checking
APY
0.12%
Monthly Fee
None
Signup Bonus
None
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- 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
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Ally Bank Interest Checking Account
APY
0.1%
Monthly Fee
None
Signup Bonus
None
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- 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
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