Having a checking account can make life easier by providing you with a convenient way to receive money; for example, direct deposits from an employer. Get the convenience of a checking account. Walletero has short-listed notable account offers below.
Our Picks
Aspiration Spend & Save Account – Aspiration Bank
Highlights
- The Aspiration Spend & Save Account offers up to 1.00% APY on your Aspiration Save account.
- Earn cash back rewards when you spend with your Aspiration debit card – and extra rewards at select businesses.
- You decide the monthly fee in what Aspiration calls ‘Pay What Is Fair’. All extra services are provided at cost.
- Unlimited fee-free ATM withdrawals at Allpoint ATMs (55,000+ ATMs).
- Deposits are FDIC insured.
Additional Information
- You choose your fee, even if it’s $0.00*.
- Qualifying Customers can earn 1.00% APY on up to $10,000. Additional disclosures apply.
- The minimum needed to open an Aspiration Save account is $10.
- Signing up online is easy, and Aspiration’s application takes only a few minutes to complete.
- Aspiration pledges to donate 10% of its earnings to charity.
Alliant Credit Union – High-Rate Checking
Highlights
- No monthly service fee* or minimum balance requirements. Standard fees, such as non-sufficient funds and check printing, do apply.
- Over 80,000 surcharge-free ATMs*
- Out-of-network ATM fee rebates up to $20/month (excludes 1% Visa foreign transaction fee)*
Additional Information
- Easy-to-use online banking and mobile banking app.
- Free Visa® debit card and first box of checks.
- Courtesy Pay and Overdraft Protection*
- To earn interest on your checking, opt in to receive free eStatements and have at least one monthly electronic deposit to your Alliant High-Rate Checking Account.
- Note: Alliant does not offer business checking accounts.
Alliant Credit Union – High-Rate Checking
Highlights
- No monthly service fee* or minimum balance requirements. Standard fees, such as non-sufficient funds and check printing, do apply.
- Over 80,000 surcharge-free ATMs*
- Out-of-network ATM fee rebates up to $20/month (excludes 1% Visa foreign transaction fee)*
Additional Information
- Easy-to-use online banking and mobile banking app.
- Free Visa® debit card and first box of checks.
- Courtesy Pay and Overdraft Protection*
- To earn interest on your checking, opt in to receive free eStatements and have at least one monthly electronic deposit to your Alliant High-Rate Checking Account.
- Note: Alliant does not offer business checking accounts.
360 Checking® Account – Capital One Bank
Highlights
- Fee-free online and mobile checking account.
- $0 to keep or open the account. Start earning interest no matter what your balance is.
- 40,000+ fee-free Capital One® and Allpoint® ATMs.
- Top-rated mobile app with SureSwipe® access.
Additional Information
- Fee-free: Zero fees and your first checkbook is free.
- No minimums: Open an account and start earning interest no matter what your balance is.
- Free ATMs: Use over 40,000 Capital One or Allpoint ATMs at zero cost.
- Mobile deposit: Deposit your checks from your phone via mobile deposit.
- Online bill pay: Pay your bills online with the option to set up automatic payments.
- Overdraft options: There are overdraft options you can choose from when you spend more than you have. See website for details.
Radius Rewards Checking – Radius Bank
Highlights
- Earn 0.10% on balances of $2,500 to $99,999.99.*
- Minimum of $100 to open. No minimum requirement after opening account.
- Get unlimited ATM fee rebates for ATM fees other banks charge.
- Manage your accounts from anywhere with unlimited access – 24 hours a day, 7 days a week.
- Open your account in as little as 3 minutes.
Additional Information
- Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account.
- Earn 1.00% cash-back on all Qualified Purchases. Must have a Rewards Checking account. Restrictions apply.
- Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you.
- First orders of checks is free.
- Set up direct deposit into your Radius account and you’re eligible to receive your money up to two days early.
- FDIC insured.
Interest Checking Account – Ally Bank
Highlights
- Earn 0.25% with a minimum daily balance of $15,000 and 0.10% when the balance is lower than that.
- No monthly maintenance fees.
- 24/7 live customer care – talk to a real person.
- Use any Allpoint® ATM in the U.S. for free, plus Ally reimburses up to $10 per statement cycle for fees charged at other ATMs nationwide.
- Deposit checks remotely with Ally eCheck Deposit℠
- EMV chip technology.
Additional Information
- Everyday services and transactions are free with Ally Bank.
- Standard or expedited ACH transfers: $0
- No monthly maintenance fees, standard or expedited ACH transfers fee, overdraft transfer service fee, debit MasterCard® fee or incoming wires (domestic & international) fee.
- With Ally Bank, there is no minimum balance required.
- Send money to, or receive money from, friends and family with a bank account in the U.S. quickly and securely with Zelle®.
- Postage-paid deposit envelopes: $0
- Use any Allpoint® ATM in the U.S. for free.
Access America Checking – PenFed Credit Union
Highlights
- 0.15% APY on daily balance of less than $20,000.
- 0.35% APY for balances of $20,000-$50,000
- 85,000+ ATMs.
- Online & mobile access.
- Available overdraft protection*
- Free chip-enabled Visa debit card.
- Digital wallets (Apple, Samsung, and more).
Additional Information
- No monthly fee with daily balance or monthly direct deposit of $500 or more.
- Account is a variable rate account. APY is valid as of last dividend declaration date of July 31, 2020 and subject to change at any time.
- APY and tiers are subject to change at any time.
- Minimum deposit of $25 required to open account.
- Free box of checks.
eOne Checking Account – Salem Five Bank
Highlights
- Online Checking account without a monthly fee or hoops to jump through.
- Cash back on all your non pin-based purchases with your debit card.
- Free ATMs*
- FDIC and DIF insurance to protect your entire balance.
- Minimum balance of $0.01 to earn APY.
Additional Information
- Free Online bill payment.
- Mobile Check Deposit.
- Free first order of checks.
- $100 minimum to open the account.
- With an eOne Checking Account, Salem Five will not charge a fee for ATM transactions conducted at non-Salem Five ATMs, and will reimburse the fees other banks charge up to
Dividend Rewards Checking – First Tech FCU
Highlights
- 1.00% APY on balances of $0.01 to $10,000
- APY of 0.10% for balances greater than $10,000
- No minimum balance or monthly maintenance fees.
- Surcharge-free access at nearly 30,000 CO-OP Network ATMs nationwide.
Additional Information
- To earn APY you need to: Use your debit card for a minimum of 12 purchases; set up direct deposit or one recurring ACH withdrawal, and enroll in e-Statements (for each qualifying period).
- Minimum opening balance of $10
- Membership eligibility may apply, please visit the institution’s website for additional information.
Checking Accounts