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Best Checking Accounts

The most convenient checking accounts let you access your funds whenever you choose with little hassle. It would be best to consider your routines and financial demands while searching for the ideal checking account. Check out this rundown of the top checking accounts and learn what makes each one special.

Last Updated May 2024

Axos banner
  • Best For - Clients who can fulfil the account's strict controls to earn interest on the checking account and are okay with receiving all of their services from the bank electronically
  • Monthly Fee - None
  • Rating - 4.5/5

Axos Bank offers various checking account options designed to meet the needs of different customers. With an Axos checking account, customers can enjoy free online and mobile banking, unlimited domestic ATM fee reimbursements, and no monthly maintenance fees. Axos Bank's Rewards Checking account is a popular option for customers seeking cashback on their purchases. This account offers up to 1.25% APY on balances up to $150,000 and unlimited ATM fee reimbursements.

Axos Bank's Essential Checking account may be a good fit for customers who travel frequently or make international transactions. This account offers no foreign transaction fees and unlimited ATM fee reimbursements, making accessing funds while on the go easy and convenient.



Axos logo
Chime banner
  • Best For - Those who want a fee-free, mobile-friendly banking experience with convenient features to help manage their finances.
  • Monthly Fee - None
  • Rating - 4.3/5

Chime is a digital bank that offers customers checking accounts, savings accounts, and credit cards. The Chime checking account is fee-free and provides a range of features and benefits. With Chime, you can get paid up to two days early with direct deposit, and you can also access over 38,000 fee-free ATMs nationwide through the MoneyPass and Visa Plus Alliance networks.

In addition, Chime offers automatic savings tools that can help you save money effortlessly. You can set up automatic transfers from your Chime checking account to your Chime savings account, and you can also round up your purchases to the nearest dollar and save the difference. Chime also has a mobile app that lets you manage your account. The app lets you view your balance, track your spending, deposit checks, and send money to friends and family easily and securely.



Chime logo
CIT Bank banner
  • Best For - Customers seeking a high yield online savings account, certificate of deposit and interest-bearing checking account.
  • APY - 1.20%
  • Monthly Maintenance Fee - None.
  • Rating - 4.6/5

CIT Bank offers a checking account to give customers easy access to their funds while providing competitive interest rates. The account has no monthly maintenance fees, minimum balance requirements, or overdraft fees, making it an attractive option for those looking for a simple and hassle-free checking account.

With the CIT Bank checking account, customers can access their funds using their CIT Bank debit card or online banking platform. The account also comes with free online bill pay and mobile banking, allowing customers to manage their finances on the go.

One unique feature of the CIT Bank checking account is its tiered interest rates, which means the interest rate increases as the account balance grows. This makes the

account an excellent option for those who keep a higher balance in their checking account and want to earn more interest on their money.



CIT Bank logo
Citi Checking banner
  • Best For - Customers looking for a convenient and flexible way to manage their finances with a trusted banking institution's added security and stability.
  • Overdraft Fee - None.
  • Rating - 4.0/5

Citibank checking account offers a range of features and benefits that make managing your finances easy and convenient. With a Citi checking account, you can access your account online or through the mobile app to check balances, pay bills, transfer funds, and deposit checks from anywhere. Citi also offers a wide network of ATMs, allowing you to withdraw cash or make deposits easily. Plus, you can enjoy fee-free ATM usage at thousands of locations nationwide.

The checking accounts come with various account options, including basic, interest-earning, and high-balance accounts, so you can choose the account that best fits your needs. Additionally, some accounts offer special benefits such as waived fees or rewards for maintaining a certain balance.



Citi Checking logo
Quontic banner
  • Best For - Those who want a low-cost, convenient and flexible banking solution with the added benefit of earning interest on their balance.
  • APY - 4.05%
  • Rating - 4.7/5

Quontic Bank is a financial institution that offers a checking account with unique features. The Quontic Checking Account is designed to provide customers with a convenient and low-cost banking solution. One of the key benefits of the Quontic Checking Account is the lack of minimum balance requirements. This means that customers can maintain a checking account with Quontic without worrying about maintaining a certain balance to avoid fees.

Another important feature of the Quontic Checking Account is the ability to earn interest on your balance. Not all checking accounts provide this advantage, and it can help customers grow their money over time. In addition to these benefits, Quontic Bank offers a wide range of digital banking tools, such as online and mobile banking, and access to over 90,000 surcharge-free ATMs worldwide.



Quontic logo
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