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.

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5
Overall Rating
  • Up to 1.00% APY
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance requirements
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Zero Minimum Balance Requirement
APY
Up to 1.00% APY.
Monthly Fee
Zero
Minimum Deposit
Only $50 to open an account
Online Banking
No
5
Overall Rating
  • Earn 1.75% APY on balances up to $10,000
  • Non-network ATM fee refunds up to $25 per month
  • No monthly service fee
  • No minimum balance to earn rewards
  • Access to 55,000 surcharge-free ATMs through the Allpoint ATM Network
  • This offer is not available in NY, NJ, CA, MA, PA, CT.
APY
1.75% to 0.34% APY*
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
5
Overall Rating
  • No account fees, no balance minimum
  • Access to 55,000 ATMs nationwide, fee-free
  • The coverage of VISA®, the security of FDIC
APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
5
Overall Rating
  • 2% cash back on debit card purchases*
  • Non-network ATM fee refunds up to $25 per month
  • No monthly service fee
  • No minimum balance to earn rewards
  • Access to 55,000 surcharge-free ATMs through the Allpoint ATM Network
  • This offer is not available in NY, NJ, CA, MA, PA, CT.
APY
N/A
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
5
Overall Rating
  • Earn Up to 4.09% 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 4.09% APY*
Monthly Fee
No
Minimum Deposit
$5.00
Online Banking
Yes
4
Overall Rating
  • 1% cash back at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and More!
  • No credit check or US credit history required
  • No SSN required for non US citizens
  • FDIC Insured account up to $250K
  • Zero hidden fees – no annual fee or minimum deposit, no foreign transaction fees, no additional ATM fees, no overdraft fees, no card replacement fees.
  • Cheapest international money transfer guarantee - Sable will cover the difference if you find a cheaper remittance option
  • Open a restricted account before you even step foot in the U.S or have a U.S address
  • Premium benefits like extended warranties and a satisfaction guarantee where Sable will cover most purchases, if you become dissatisfied with a new product within 60 days!
  • Please see https://sablecard.com/tcs for terms and conditions
APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
No
5
Overall Rating
  • Receive up to 1.01% APY
  • Open A High Interest Checking Account
  • 90,000+ ATMs Across the Nation
  • Fully Mobile & Online Banking
  • No Monthly Service Fees
APY
Up to 1.01% APY
Monthly Fee
$0
Minimum Deposit
$100
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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