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Looking for Checking Account Offers?
December 2024: BEST CHECKING ACCOUNT
- $300 Cash Bonus when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. Conditions Apply. BMO Bank N.A. Member FDIC
- $0 Monthly maintenance fee with paperless statements5
- 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
Choose Checking Account from Our Advertisers
- Up to 2% cash back on debit purchases1
- No monthly fees2
- Get paid up to 2 days early3
- Maximize your rewards with direct deposit4
- $300 Cash Bonus when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. Conditions Apply. BMO Bank N.A. Member FDIC
- 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 and available in the United States by BMO Bank N.A. Member FDIC
This offer is only available in AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA.
- Earn $300* after qualified activities until 05.16.25 with the no-monthly-maintenance-fee Key Smart Checking®.
- Earn better interest rates on savings and money market accounts, more cash back, loan discounts and more with KeyBank's Relationship Benefits.
- Get paid up to two days early with eligible direct deposits to a KeyBank account.
- Take advantage of automatic savings. Use EasyUp® to build up savings or pay down debt without even thinking about it.
- If your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.
- Set custom account alerts so you can receive text or email updates about the account information that's important to you.
- Deposit checks in the mobile app, pay bills, send money, lock/unlock cards and more.
- Visit them at any of their convenient branches or 40,000 KeyBank ATMs and Allpoint® ATMs nationwide. $0 KeyBank and Allpoint ATM access nationwide with your KeyBank Debit Mastercard®.
- Enjoy chip security, Tap & Go technology and all the benefits of Mastercard.
- Link your checking account to an eligible credit or savings account to automatically cover overdrafts without a transfer fee.
- Sign on to online or mobile banking to have your paychecks or other recurring payments automatically deposited to your Key account quickly and securely.
- KeyBank Member FDIC.
This offer is only available in AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA.
- 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.
- 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
- The first checking account that comes with a free Quontic Pay Ring
- No monthly fees, no overdraft fees, no foreign collection fees
- $100 minimum opening deposit
- No ongoing account minimum
- FDIC insured to the maximum legal limit
- MasterCard® Zero Liability and ID Theft Protection
- 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
- 3.00%APY342 rate from the Goals account.
- No minimum balance, no monthly fees.
- Get paid up to two days early.343
- Access Zelle® right from the app.344
- 55,000+ Free AllPoint ATMs.
- Earn 5.00% APY on the first $50k in your Free Checking account with a requirement of $2,000 a month in direct deposits.*
- Unlimited Goals accounts that earn 3.00% APY across all balances (no direct deposit required for this).
- No minimum balance. No fees, this is a truly FREE account.
- Early paycheck (up to 2 days early).
- Round-Up feature into your specific Goals account when using your mphCard (Debit Card) for everyday purchases.
- Tap-and-Go mphCard (Debit Card).
- Bill Pay, Zelle and Online Subscription Management.
- ApplePay, Google Pay and Samsung Pay.
- 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.
- 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
- Member FDIC
- See low fee checking accounts.
- FDIC or NCUA insured.
- Compare checking account offers. Apply in minutes!
- Earn up to 4.50% APY (Annual Percentage Yield).
- Three levels of benefits: Basic, Direct Deposit and Direct Deposit+
- Rewards on debit card purchases
- Ease of online banking with mobile bill pay and remote check deposit338
- Digital Wallet and Smartwatch Paymants
- International Bill Pay
- Share Transfer Overdraft Protection
- My Cards card management system
- Visa Debit Card
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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