Looking for Checking Account Offers?

A checking account is a bank account for everyday expenses. You can easily access money in your checking account using a debit card or writing a check. It is easier to manage your finances using a checking account as you also get access to different online banking services. You can set up direct deposits and receive your paychecks directly to your checking account, which is convenient and fast. Today you can open a checking account online without visiting a local bank. Below you can review some available online checking account offers.

February 2024: BEST CHECKING ACCOUNT

5
Overall Rating
APY
Earn up to 5.00% APY197
Monthly Fee
$0
Minimum Deposit
No
Online Banking
Yes
  • Earn up to 5.00% Annual Percentage Yield197 and more rewards on loan payments and credit card spend with the First Tech Rewards Checking account.
  • No minimum balance requirements
  • No monthly account maintenance fees
  • Deposit checks and pay bills with our free Mobile App
  • Real-time fraud monitoring

Choose Checking Account from Our Partners

This offer is only available in AL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV.

5
Overall Rating
  • For a limited time: Earn $300 with Truist One Checking. Terms apply.298
  • No overdraft fees.
  • $100 Negative Balance Buffer for eligible clients.299
  • There are five different ways to waive the $12 monthly maintenance fee.300
  • Personal debit card.
  • $25 annual fee discount on any size safe deposit box, subject to availability.
  • Five benefit levels give you more perks as your balances grow.301

This offer is only available in AL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV.

APY
No
Monthly Fee
$12
Minimum Deposit
$50
Online Banking
Yes
5
Overall Rating
  • Earn a $250 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within 90 days of opening
  • No overdraft or NSF fees for added peace of mind6
  • Access to 40,000+ fee-free ATMs across the U.S., nearly as many as the three largest banks combined
  • Banking at your fingertips with BMO Digital Banking – pay bills, transfer money and more
  • Personalized support through online chat, phone and in branch
  • Accounts are subject to approval. BMO Harris Bank N.A. Member FDIC
APY
See terms
Monthly Fee
$5 or $0 if you’re under 25
Minimum Deposit
$25
Online Banking
Yes
5
Overall Rating
  • Earn a $400 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within 90 days of opening
  • They'll rebate ATM surcharge fees charged by other banks, up to $25 per monthly statement period
  • Unlimited transactions at Non-BMO Harris ATMs with no fee from BMO Harris
  • Enjoy peace of mind with access to Mastercard ID Theft Protection™ on your BMO Harris Bank Debit Mastercard®
  • Earn interest on your checking balance
  • Relationship Package benefits that provide more rewards the deeper your relationship with the bank.
  • 40,000+ fee-free ATMs across the U.S.
  • Transfer money from anywhere, the fast way
  • Account protection for added peace of mind
  • Accounts are subject to approval. BMO Harris Bank N.A. Member FDIC
APY
See terms
Monthly Fee
$25*
Minimum Deposit
$25
Online Banking
Yes
5
Overall Rating
  • Earn up to 5.00% Annual Percentage Yield197 and more rewards on loan payments and credit card spend with the First Tech Rewards Checking account.
  • No minimum balance requirements
  • No monthly account maintenance fees
  • Deposit checks and pay bills with our free Mobile App
  • Real-time fraud monitoring
  • Secure online access
  • Free overdraft transfers from savings or line of credit
APY
Earn up to 5.00% APY197
Monthly Fee
$0
Minimum Deposit
No
Online Banking
Yes
5
Overall Rating
  • Earn a $250 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within 90 days of opening
  • $0 Monthly maintenance fee5
  • Access to 40,000+ fee-free ATMs across the U.S., nearly as many as the three largest banks combined
  • Banking at your fingertips with BMO Digital Banking – pay bills, transfer money and more
  • Personalized support through online chat, phone and in branch
  • Bank from anywhere with mobile check deposit4
  • Leave your debit card at home with Mobile Cash2
  • Manage all your accounts securely3
  • Accounts are subject to approval. BMO Harris Bank N.A. Member FDIC
APY
See terms
Monthly Fee
$0
Minimum Deposit
$25
Online Banking
Yes
5
Overall Rating
  • No monthly fees.
  • No minimum balance fees.
  • No transfer fees.
  • Get your paycheck up to 2 days early^ with direct deposit.
  • After you sign up, get a Chime Visa® Debit Card and use it anywhere Visa® debit cards are accepted.
  • Customizable debit card security.
  • Withdraw cash at more than 60,000+ fee-free ATMs.~
  • 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.
  • ^Early 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.
  • ~Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
4
Overall Rating
  • Credit for everyone - Regardless of your credit history!
  • Get paid up to 2 days faster - Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
APY
Up to 4.00%
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
5
Overall Rating
  • Earn 0.50% APY with an average daily balance of $10,000
  • No minimum balance, no monthly service fee
  • Unlimited transactions
  • Balance optimizer
  • Cash flow analysis
  • Dedicated customer success specialists
APY
0.50%
Monthly Fee
No
Minimum Deposit
See terms
Online Banking
Yes
5
Overall Rating
  • CIT Bank eChecking has an annual percentage yield of up to 0.25%294, which is higher than the national average interest rate on savings accounts
  • $0 monthly fee
  • $100 minimum deposit
  • CIT Bank does not charge ATM fees. Get up to $30 in other bank’s ATM fees reimbursed per month
  • Pay your bills to practically anyone in the United States through CIT Bank
  • FDIC insured
APY
0.10% - 0.25%
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
5
Overall Rating
  • Earn Up to 5.00% APY* on balances up to $10,000
  • No monthly maintenance fees, for anything
  • Over 30,000 ATMs & over 5,000 shared branches
  • Unlimited reimbursement for any and all ATM fees*
  • Never a minimum balance
APY
Up to 5.00% APY*
Monthly Fee
No
Minimum Deposit
$5.00
Online Banking
Yes
5
Overall Rating
  • $325 cash bonus for $500 or more in Direct Deposits within 90 days
  • No hidden fees and No minimum balance
  • Extra Time® to avoid overdraft fees
  • Peace of mind with fraud protection
  • Access to your eligible payroll direct deposits up to 2 days early with free Early Pay
  • Get a cash advance on your next qualified deposit with MyAdvance®
  • Open a new account in minutes
APY
See terms
Monthly Fee
No
Minimum Deposit
No
Online Banking
Yes
5
Overall Rating
  • Earn $150 when you receive a qualifying direct deposit and use your Albert debit card.
  • Advance up to $250 from your next paycheck.
  • Earn up to 20% cash back when you buy gas, groceries, and more with your Albert debit card.
  • Access your paycheck up to 2 days early with direct deposit.
  • No hidden fees ($0 minimum balance and $0 maintenance fees).
  • Genius subscribers can withdraw cash fee-free at 55,000+ ATMs.
APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
4
Overall Rating
  • Up to 2% cash back on debit purchases1
  • No monthly fees2
  • Get paid up to 2 days early3
  • Maximize your rewards with direct deposit4
APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
5
Overall Rating
  • Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
  • Only $50 to open an account
APY
See terms
Monthly Fee
Zero
Minimum Deposit
Only $50 to open an account
Online Banking
Yes
5
Overall Rating
  • Earn 1.10% APY on all balances
  • Open an account online in just 3 minutes
  • No monthly maintenance fees or minimums
  • $100 minimum deposit required to open an account
APY
Up to 1.10% APY
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes

This offer is only available in AZ, CA, CO, FL, GA, KS, MD, MO, NC, NM, OK, OR, SC, TN, TX, VA, WA, WI, WV.

5
Overall Rating
  • No monthly fees when you enroll in paperless statements1
  • No minimum balance
  • Open with as little as $50
  • Free digital and mobile banking with alerts and bill pay
  • Deposit checks on your mobile for free
  • Free use of Zelle® to send and receive money to people you know
  • Use Digital Banking’s free Manage My Money feature to view First Citizens and non-First Citizens accounts in one place, plus you’ll have access to budgeting tools and more.
  • No-fee channel access: Users can manage account digitally, but also at branch or ATM at no charge.
  • Free debit card that users can add to their mobile device for Apple, Google or Samsung digital wallet access
  • Link Free Checking account to a First Citizens Savings or Checkline Reserve line of credit for Overdraft Protection. (a $12 transfer fee will apply each day an overdraft occurs.)

This offer is only available in AZ, CA, CO, FL, GA, KS, MD, MO, NC, NM, OK, OR, SC, TN, TX, VA, WA, WI, WV.

APY
N/A
Monthly Fee
$0
Minimum Deposit
$50
Online Banking
Yes

Choosing a Checking Account

A checking account is a bank account you will probably be using every day. Therefore, it is important to choose the cheapest option that meets your needs and requirements. Checking accounts have maintenance fees most of which can be avoided. Thus, to waive a monthly fee, you will simply need to keep a minimum balance. If you set up a direct deposit, you may be able to avoid some monthly fees as well. Also, there are overdraft fees and interest. To avoid this kind of fees, you will need to keep an eye on your account to make sure you never spend more than you have.

Some checking accounts require an opening deposit that should be paid when you open a bank account. The initial deposit is usually somewhere between $25 and $100. However, there are checking account offers that require no opening deposit. Some checking accounts may come with a small APY, which is actually a rare thing, as checking accounts are not aimed at saving money. If you need to save money, a savings account is a better option.

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Read FAQs about Checking Accounts

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Whether you are opening a checking account online or visiting a nearby branch, you will need to provide some personal information. First of all, you will need such forms of identification as Social Security number, driver’s license, state ID or...
Yes. You can have payroll or government checks directly deposited to your checking account. You will actually benefit from that as many checking accounts waive monthly fees when direct deposit is set up. To take advantage of direct deposit, you will...
Yes. More than that, opening a bank account online is quick and easy. In addition, best online accounts come with lower fees and offer higher rates. To open a bank account online, you will need your Social Security number, valid driver’s license,...
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