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
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
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
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
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
Interest Rate Breakdown
Balance | APY |
---|---|
$0 - $2,000 | 0.00% |
$2,000+ | 0.01% |
- Minimum to Open: $0
Additional Info
- $400 new checking customer offer when you open an account and meet $5,000 or more in qualifying direct deposits within 60 days of account opening.
- Checking & Savings Together. PNC Virtual Wallet® is your gateway to smarter banking and better financial management. Open an account today and help take control of your financial future.
- There are three tiers of PNC Virtual Wallet products and they are all "available as" checking and savings account combos: Virtual Wallet, Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select
- No charge for domestic wires
- 2,200+ locations and approximately 60,000 PNC and Partner ATMs
- Open any Virtual Wallet account with $0 minimum online or $25 minimum in branch.
- *Reimbursed up to $10 at the end of each statement period for other financial institutions’ ATM surcharge fees
- Learn more about the PNC Virtual Wallet® with Performance Select
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Open a Basic Business Checking account using promo code START200 by June 30, 2026.
- Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and AllPoint networks
- 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 Basic Business Checking
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- No monthly fees
- No minimum balance fees
- No foreign transaction fees
- Fee-free overdraft up to $200 for eligible members.¹
- - Chime members who receive a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month are eligible for SpotMe.
- - SpotMe limits start at $20 and can be increased up to $200 by Chime based on factors such as account activity and history.
- Get your paycheck up to 2 days early with direct deposit²
- Over 47,000 fee-free ATMs³
- ¹SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card.
- Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
- ²Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
- ³Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
- Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.
- Learn more about the Chime® Checking Account
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $100
Additional Info
- Promo code Q4AFL25 MUST be used when opening a U.S. Bank Business Essentials®, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
- Bonus Options
- Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
- Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay or payment received via U.S. Bank Payment Solutions. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
- New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials Pricing Information Document for a list of fees.
- Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
- All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
- Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
- Member FDIC
- Introducing U.S. Bank Business Essentials - offering you checking and card payment acceptance in one connected experience to help run your business better with quick access to funds.
- A new kind of checking account combining checking and payment processing
- 1. Enjoy checking benefits and 24/7 support. Get $0 monthly maintenance fees to meet your business needs.
- 2. Accept payments and get paid fast. Access funds fast to pay bills and improve efficiency.
- 3. Simplify cash flow management. Get real-time insights with our integrated dashboard.
- Learn more about the U.S. Bank Platinum Business Checking Account
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $100
Additional Info
- Promo code Q4AFL25 MUST be used when opening a U.S. Bank Business Essentials®, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
- Bonus Options
- Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
- Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay or payment received via U.S. Bank Payment Solutions. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
- New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials Pricing Information Document for a list of fees.
- Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
- All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
- Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
- Member FDIC
- Introducing U.S. Bank Business Essentials - offering you checking and card payment acceptance in one connected experience to help run your business better with quick access to funds.
- A new kind of checking account combining checking and payment processing
- 1. Enjoy checking benefits and 24/7 support. Get $0 monthly maintenance fees to meet your business needs.
- 2. Accept payments and get paid fast. Access funds fast to pay bills and improve efficiency.
- 3. Simplify cash flow management. Get real-time insights with our integrated dashboard.
- Learn more about the U.S. Bank Business Essentials Checking Account