Best checking accounts
The checking accounts we cover — from a fee-free, fully digital account to a branch-backed account with a welcome bonus to a high-yield checking + savings bundle. Pick the one that matches how you bank.
Axos ONE®
Up to 4.21% APY on savings + up to 0.51% on checking
- Earn up to 4.21% APY on savings* and up to 0.51% APY on checking* when you meet specific monthly deposit requirements
- Includes both checking and savings with zero monthly maintenance, minimum balance, or overdraft fees
- Get access to your paycheck up to two days early with early direct deposit
Ally Bank Spending Account
A fee-free, interest-earning checking account with smart digital tools
- $0 monthly maintenance fees
- 0.10%–0.25% interest on checking
- 43,000+ fee-free Allpoint ATMs
- 2-day early direct deposit
Truist One Checking
A flexible checking account with a $500 bonus, no overdraft fees, and branch access
- $500 welcome bonus (terms apply)
- $12/mo fee — easily waived
- $100 Negative Balance Buffer
- No overdraft fees
Want your checking to earn? The Axos ONE bundle pays a high APY on both checking and savings when you meet the deposit requirements. Prefer simplicity? Go fully digital and fee-free with Ally, or choose Truist if you want branch access and are willing to meet the requirements for its $500 welcome bonus. Truist offer terms, eligibility, and state limits apply — see the product page for full details.