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.

Choose Checking Account from Our Partners

5
Overall Rating
  • Get $10 on your first crypto deposit to Juno.
  • Get $100 on your first direct deposit to Juno.
  • 1.20% bonus rate up to $5,000 in deposits
  • Earn 5% when you pay with cash and crypto, on total annual spends of $500
  • 1 free monthly withdrawal on out-of-network ATMs
  • No Fee Cash Withdrawals. 85,000 Allpoint & MoneyPass® ATMs
APY
Up to 1.20% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
5
Overall Rating
  • Get a $350 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days
  • 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 Waivable fee
Minimum Deposit
$25
Online Banking
Yes
4
Overall Rating
  • No minimum balance requirement
  • No monthly fees when you sign up for free Online Statements
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Unlimited check writing
  • Convenient and free deposits at FNB branches, ATMS or through Mobile Banking
  • Fast and free Online Banking, Mobile Banking and Telephone Banking
APY
N/A
Monthly Fee
$0
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
5
Overall Rating
  • Get a $200 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
  • 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
  • Get a $200 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
  • $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
4
Overall Rating
  • B9 Visa® Debit Card- the ONLY debit card with up to 5% cashback in available categories.
  • Cashback is accumulated when using the B9 debit card for selected categories.
  • Selected categories will each have their own cashback percentage and will change monthly to reflect the highest-yielding cashback option for our members that month!
  • Deposit funds from your paycheck to your B9 account and get early access up to 100% of your earnings for the last 15 days.226
  • No-Fee Instant B9 Advances (up to 100%).
  • No-Fee ACH Transfers.
  • No-Fee Instant Transfers to B9 Members.
  • Credit Report, Credit Score, Credit Score Simulator
APY
N/A
Monthly Fee
$9.99 or $19.99227
Minimum Deposit
$0
Online Banking
Yes
5
Overall Rating
  • 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
Up to 1.25% APY
Monthly Fee
Zero
Minimum Deposit
Only $50 to open an account
Online Banking
Yes
5
Overall Rating
  • Get $10 on your first crypto deposit to Juno.
  • Get $100 on your first direct deposit to Juno.
  • There are no additional fees for the Metal Plan. Just a direct deposit of $500 or more per month
  • The Priority access users get a 2.15% bonus rate up to $100,000 in deposits
  • Earn 5% when you pay with cash and crypto, on total annual spends of $6,000
  • 3 free monthly withdrawal on out-of-network ATMs
  • No Fee Cash Withdrawals 85,000 Allpoint & MoneyPass® ATMs
APY
Up to 2.15% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
4
Overall Rating
  • Earn interest on balances of $2,500 or greater
  • Free 3" x 5" safe box
  • Free paper and online statements
  • Free first order of checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Unlimited check writing
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking
  • Fast and free Online Banking, Mobile Banking and Telephone Banking
APY
N/A
Monthly Fee
$10
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
4
Overall Rating
  • Earn interest on balances $0 - $2,500
  • No overdraft fees
  • No paper checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking
  • Refunds on fees for ATM transactions at non-FNB locations, up to 4 times per statement cycle
  • Refunds on ATM fees charged by other institutions, up to $12 per statement cycle
APY
N/A
Monthly Fee
$25
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
4
Overall Rating
  • No overdraft fees
  • No paper checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking
APY
N/A
Monthly Fee
See terms
Minimum Deposit
$25 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
5
Overall Rating
  • No monthly fees or minimum balance requirements
  • Apply in under 10 minutes
  • Simple, easy-to-use mobile apps
  • No Hidden Fees
  • Refunds all ATM fees
  • Free transfers, mailed checks, and incoming wires
  • Integrates with other small business tools
APY
0%
Monthly Fee
$0
Minimum Deposit
$50
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
4
Overall Rating
  • Earn interest on balances of $1,000 or greater
  • Earn higher interest with higher balances
  • Free FNB custom checks
  • Unlimited check writing
  • Free stop payment requests
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • No FNB fee for using non-FNB ATMs
  • Refund of up to $15/statement on ATM fees charged by other institutions
  • Waived annual fee for overdraft lines of credit
APY
N/A
Monthly Fee
$25
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
4
Overall Rating
  • Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.
  • Current offers accounts for everyone, including teens.
  • Members receive instant spending notifications every time you swipe your card for added security.
  • Members can instantly send money for free to friends and family with Current Pay.
  • Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.
APY
N/A
Monthly Fee
$4.99
Minimum Deposit
$0
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.

GET YOUR OFFER MATCH
Check if you're pre-qualified for a credit offer
It takes less than
1 minute
Will not affect your
credit score
Select your credit score:
Have your ever declared Bankruptcy?
Which active bank accounts Do you have?
Debit Card
Credit Card
This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Read FAQs about Checking Accounts

Or Ask Our Experts
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,...
Have a Question about Checking Accounts?

User Comments about Checking Accounts