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Updating Debit Cards
APY
2.50%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $250,000 | 2.50% |
| $250,000+ | 1.78% |
- Minimum to Open: $0
Additional Info
- Earn up to 3.00% APY on your balance in a high-yield North One Business Checking Account—that’s nearly 42x the national average.
- 2.50% APY applies to Standard Accounts and 3.00% APY applies to Plus Accounts on balances of $250,000 or less if eligibility requirements are met, including but not limited to a cumulative monthly card spend of at least $500.00, and if the account balance is greater than $0.00.
- For Accounts with balances over $250,000 the APY will range from 3.00% to 2.14% for Plus Plans and 2.50% to 1.78% for Standard Plans.
- Earn 1% cash back on fuel and 4% cash back on hotels and restaurants at 90,000+ participating locations
- Receive unlimited $0 Domestic Wires
- Third-party ATM refunds. North One users can use millions of ATMs worldwide, plus they'll reimburse up to 6 third-party ATM fees each month.
- No monthly fees
- Fee-free ATM withdrawals through Allpoint.*
- North One is a financial technology company, and not a bank. Banking services are provided by The Bancorp Bank, N.A., Member FDIC.
- *Fees will be charged by North One for all transactions that take place at out-of-network ATMs, including but not limited to ATMs which accept Cirrus, Mastercard, and Maestro cards. Fees will not be charged by North One for any transactions made at Allpoint locations, please see your Deposit Account Agreement for more details.
- Learn more about the North One Standard Business Account
More Details
APY
2.00%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 2.00% |
- Minimum to Open: $0
Additional Info
- Unlock Up to 4.21% APY** Combine Freedom Checking with Portfolio Savings to boost your savings APY by up to 0.20%.** Fewer fees, faster transactions. Plus, earn 2.00% APY* on your checking account.
- UFB Portfolio Savings offers an impressive 4.01% APY on all balances. Customers who open a UFB Freedom Checking account and meet certain requirements can qualify for an even higher APY on the savings account of up to 4.21%.
- Move money instantly between your Portfolio Savings and Freedom Checking accounts.
- Skip the monthly maintenance fees and minimum deposit requirements.
- Saving For Tomorrow
- - FDIC insurance up to the maximum allowance limit.
- Checking – With Interest
- - Earn 2.00% APY* in your checking account, 25x the national average†
- - Over 90,000 fee-free ATMs
- - Boost your savings APY by up to 0.20%**
- Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read our FDIC Notice.
- Axos Bank NMLS# 524995
- *The Annual Percentage Yield (APY) is accurate as of 08/19/2025. The interest rate and corresponding APY are variable and are set at our discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
- **To receive the additional 0.20% Annual Percentage Yield (APY) on a UFB Savings or Money Market account owned by at least one owner of the checking account, you must complete the following:
- - Receive monthly direct deposits totaling $5,000 or more. Once completed, you will earn your first 0.05% rate bump and unlock the other interest-earning options.
- - Earn an incremental Freedom Boost of 0.10% on your corresponding savings or money market rate if your UFB Freedom checking average daily account balance exceeds $10,000 per month.
- - Earn an incremental Freedom Boost of 0.05% on your corresponding savings or money market rate by using your UFB Visa® Debit Card for a total of 10 approved transactions per month (min $3 per transaction).
- Limit of one UFB Freedom Checking account allowed per customer. Qualifying transactions must post and clear the account by the 25th of the month to count towards the monthly qualification cycle. Account transactions may take one or more business days from the transaction date to post to the account. At the time of your statement cycle date, we will determine the services used since the previous cycle date to determine the aggregate interest rate to apply to your current statement cycle. We will use the daily balance method to calculate the interest on your account.
- A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.
- If a joint UFB Freedom Checking account is opened and individuals from the joint checking account own an individual UFB Savings or Money Market account, the boost will be applied to one related UFB Savings or Money Market account with the highest rate, regardless of ownership. If two products’ rates are equal, we will apply the boost to the Savings product.
- APY Freedom Boost amount is accurate as of 08/19/2025. The interest rate and corresponding APY for your UFB Direct savings or money market account is variable and is set at our discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
- † National savings rate comparison as of 8/1/24 from https://www.fdic.gov/resources/bankers/national-rates/index.html
- Learn more about the UFB Freedom Checking + Savings
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APY
2.00%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 2.00% |
- Minimum to Open: $0
Additional Info
- Skip the monthly maintenance fees and minimum deposit requirements.
- Checking – With Interest
- - Earn 2.00% APY* in your checking account, 25x the national average†
- - Over 90,000 fee-free ATMs
- - Boost your savings APY by up to 0.20%**
- Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read our FDIC Notice.
- Axos Bank NMLS# 524995
- *The Annual Percentage Yield (APY) is accurate as of 08/19/2025. The interest rate and corresponding APY are variable and are set at our discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
- † National savings rate comparison as of 8/1/24 from https://www.fdic.gov/resources/bankers/national-rates/index.html
- Learn more about the UFB Freedom Checking
More Details
APY
1.10%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 1.10% |
- Minimum to Open: $100
Additional Info
- Earn up to 1.10% APY! How it works:
- (a) Open a High Interest Checking Account;
- (b) Make the required transaction per statement cycle. Use your debit card to make at least 10 qualifying point of sale transactions of $10 or more; AND
- (c) Receive up to 1.10% APY
- If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.01%
- No overdraft fees
- Access over 90,000 surcharge-free ATMs across the United States.
- Learn more about the Quontic Bank High Interest Checking
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APY
1.01%
Monthly Fee
$10
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $50,000 | 1.01% |
| $50,000 - $250,000 | 0.20% |
| $250,000 - $5,000,000 | 0.10% |
- Minimum to Open: $100
Additional Info
- Up to 1.01% 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 100 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)
- Free online banking, image statements, and Bill Pay
- Accounting software integrations are now available in the new online banking platform. Enjoy the new features and improved online functionality! QuickBooks Integration (desktop and online versions) This feature will allow business owners to link their Axos Small Business Checking account to their QuickBooks account making it easier to track expenses and manage their businesses.
- Learn more about the Axos Bank Business Interest Checking
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APY
1.00%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $25,000 | 1.00% |
| $25,000 - $250,000 | 1.55% |
| $250,001+ | 1.00% |
- Minimum to Open: $100
Additional Info
- Earn up to 1.55% APY with Innovator Checking and access up to 3.30% with Innovator MMA Savings Bundle.
- Earn unlimited 1% cashback on everyday debit card purchases
- No monthly maintenance fee or overdraft fees
- Open in a little as 5 minutes
- Free incoming and outgoing ACH and incoming domestic wires
- Unlimited transactions no upcharges
- 24/7 online and mobile banking. Send invoices, pay bills, transfer money, deposit checks, manage cashflow and much more anytime, anywhere.
- Fee-free ATM withdrawals at 37,000+ MoneyPass and 8,500+ SUM ATMs nationwide.
- Grasshopper is a digital bank built for the business and innovation economy with a strong focus on driving small business forward.
- Learn more about the Grasshopper Bank Innovator Business Checking
More Details
APY
0.51%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.51% |
- Minimum to Open: $0
Additional Info
- Earn up to 4.51% APY on savings, and 0.51% APY on checking when you meet requirements.
- The Annual Percentage Yield (APY) is accurate as of 10/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
- Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.
- The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.
- Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:
- Option 1
- 1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.
- 2. The average daily balance of your Axos ONE® Checking account is at least $1,500.
- Option 2
- 1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.
- 2. The average daily balance of your Axos ONE® Checking account is at least $5,000.
- If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:
- - The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
- - The Axos ONE® Savings account will earn a promotional rate of up to 4.51% APY for the statement cycle in which the requirements are met.
- The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.
- A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.
- Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.
- Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
- Get your money up to 2 days early. You’ve earned it, so start earning on it.
- No monthly maintenance, minimum balance, account opening, or overdraft fees.
- We’ve got you covered. Access expanded FDIC Insurance for up to $265 million.
- Access a network of over 95,000 fee-free ATMs.
- Manage all your bank accounts from one place in the Axos app.
- Link external accounts in the app to move your money seamlessly.
- Learn more about the Axos ONE® Checking
More Details
APY
0.50%
Monthly Fee
None
Signup Bonus
Up to $300
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.50% |
- Minimum to Open: $0
Additional Info
- SoFi® offers a combined checking and savings account. You get a checking account and a savings account when you open a SoFi bank account.
- Sign-up bonus of up to $300. When you sign up and set up eligible direct deposit. Wait for direct deposit to hit account (typically 2-4 weeks). Collect cash bonus of $50 to $300 depending on direct deposit amount.*
- Up to 3.80% APY with eligible direct deposit or $5,000 or more in qualifying deposits during the 30-day evaluation period.**
- No account fees. No overdraft fees. No minimum balance fees. No monthly fees.***
- 55,000+ fee-free ATMs within the Allpoint® Network.****
- Get paid up to two days early. Payday up to two days earlier automatically when you set up direct deposit.*****
- No-fee overdraft coverage. Overspent by accident? No problem. You'll be covered up to $50 with no fees with direct deposit of at least $1,000.******
- Your money is FDIC insured. Plus, you can access additional insurance up to $3M on deposits through a seamless network of participating banks.*******
- +0.70% Boost on Savings APY to up to 4.50% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.********
- *New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
- **SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
- ***We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.
- ****We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.
- *****Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
- ******Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with Eligible Direct Deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.
- *******SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
- ******** Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
- Learn more about the SoFi® Checking and Savings
More Details
APY
0.10%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $25,000 | 0.10% |
| $25,000+ | 0.25% |
- Minimum to Open: $100
Additional Info
- Earn 0.10% APY¹ on balances under $25,000 and 0.25% APY¹ for balances of at least $25,000.
- CIT Bank does not charge ATM fees. Get up to $30 in other bank’s ATM fees reimbursed per month.
- Debit card with EMV chip technology.
- Transfer, pay and purchase via mobile with Zelle®, Bill Pay, Samsung Pay and Apple Pay.²
- Deposit checks and make unlimited withdrawal and disbursements with the CIT Bank mobile app.
- 24/7 account access online and mobile, plus an automated telephone system.
- Easily set travel alerts or stop/restrict use on your debit card.
- There are no fees to open your CIT Bank eChecking account.
- No monthly fees.
- No overdraft fees.
- No fees for us to mail a check for you.
- No fees for online transfers.
- No fees for incoming wire transfers.
- ¹The Annual Percentage Yields (APY) and interest rates are effective as of September 23, 2025. Fees may reduce earnings. Checking APYs and interest rates are variable and may change at any time without prior notice, including after account opening. The minimum opening deposit for eChecking is $100. See Fee Schedule and Agreement for Personal Accounts for details. To obtain the interest rate and APY disclosed, the minimum balance for the applicable balance tier must be maintained.
- To obtain the interest rate and APY disclosed, the minimum balance for the applicable balance tier must be maintained.
- ²Must have a bank account in the U.S. to use Zelle.
- Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
- Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
- The Apple Pay logo and Apple are registered trademarks of Apple Inc. The Samsung Pay logo and Samsung are registered trademarks of Samsung Electronics Co., Ltd.
- For complete list of account details and fees, see our Personal Account disclosures.
- Learn more about the CIT Bank eChecking
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APY
0.05%
Monthly Fee
$25
Signup Bonus
$500.00
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.05% |
- Minimum to Open: $50
Additional Info
- Earn $500 after qualified activities until 12.19.25 with interest-bearing Key Select Checking®.
- Open a Key Select Checking® account online by December 19, 2025.
- Make the minimum opening deposit of $50, plus a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
- Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.
- The $25 monthly maintenance fee is waived for the first three months and then can be waived if requirements are met.
- $100 Cash Bonus. Earn a $100 cash bonus year after year with qualifying activities.
- Relationship Benefits. Earn better interest rates on savings and money market accounts, more cash back, loan discounts and more with KeyBank's Relationship Benefits.
- Early Pay. Get paid up to two days early with eligible direct deposits to a KeyBank account.
- EasyUp® , Automatic Savings. Use EasyUp to build up savings or pay down debt without even thinking about it.
- Key Coverage Zone®. If your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.
- Account Alerts. Set custom account alerts so you can receive text or email updates about the account information that's important to you.
- Secure online and mobile banking. Deposit checks in the mobile app, pay bills, send money, lock/unlock cards and more.
- Convenient branches and ATMs. Visit them at any of their convenient branches or 40,000+ KeyBank and Allpoint® ATMs nationwide.
- KeyBank Debit Mastercard® Enjoy chip security, Tap & Go technology and all benefits of Mastercard.
- Overdraft Protection. Link your checking account to an eligible credit or savings account to automatically cover overdrafts without a transfer fee.
- Easy Direct Deposit Set Up. Sign on to online or mobile banking to have your paychecks or other recurring payments automatically deposited to your Key account quickly and securely.
- Learn more about the Key Select Checking®
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