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When choosing a checking account, the most important factors may differ from person to person. You might consider any fees associated with lower balances, whether the agency has a location near you and how easy it is to use the agency’s mobile app. You may also want to look into interest-paying checking accounts, which are rare but do exist.
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All these factors were taken into account when choosing the best checking accounts for October 2022. Over 80 current accounts analyzed and ranked based on:
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Why it’s special: The Wells Fargo Everyday Checking account comes with online banking and a contactless debit card. It also offers more than 4,000 affiliate locations, which makes it a great option for those who want to do their banking in person.
What to look for: Wells Fargo checking accounts have a $10 monthly fee, but there are ways to waive it. The account provides reliable online banking and access to over 4,000 branches, more than many of the others on this list. The required minimum balance is $500 and the minimum deposit is $500. The overdraft/NSF fee here is $35.
Why the difference: With no minimum deposit and access to over 4,000 branches, the Chase Total Checking® account is a solid choice for your banking needs.
What to look for: There is no minimum deposit for this checking account. It has a $12 monthly fee, a $1 minimum balance, costs $500 to sign up, and is on the high end. However, you will have access to thousands of branches and ATMs. You will also have online banking and more mobile financial services.
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Why it’s special: Bank of America Advantage Plus Banking® offers secure and convenient 24/7 payment options that make it competitive for basic banking needs.
What to look for: A checking account with FDIC member Bank of America gives you access to thousands of branches, as well as online banking and a variety of payment options. The account has a high minimum deposit of $100, monthly fee of $12, daily minimum balance of $1 and $500 or waived by signing up for bonuses of your choice. Overdraft/NSF fee is $10.
Why it’s special: An Associate Bank interest-bearing checking account offers an above-average annual rate of return. CoverDraft offers free overdraft protection of up to $100.
What to look for: Ally Bank is an internet-only bank, so you have no branches to visit here. However, the advantage of this checking account is that there are no fees and no APY. You have no monthly fees, minimum deposits, or minimum balance requirements here. Furthermore, the APY on the checking account is 0.25%.
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Why it’s different: An online Cashback Debit checking account allows you to earn 1% cash back on debit card purchases of up to $3,000, which is a unique feature that many accounts offer.
What to look for: Discover is also an internet-only bank. What makes them competitive is that their checking accounts have no monthly fees and no minimum deposit or minimum balance requirements. It also has no overdraft/NSF fees. With a Discover checking account, you can earn cash back with your debit card. You also get access to over 60,000 free ATMs.
Why the difference: A basic checking account has no monthly service fees or overdraft fees, and Direct Deposit Express helps you make payments faster. All of these benefits can help you keep more of your money.
What to look for: Like many of the other online-only banks on this list, Axos Bank does not charge any fees for checking accounts. However, you will not be able to access personal banking services from this account. Basic checking accounts have other benefits, like Direct Deposit Express, which can help you get paid faster. It also offers unlimited local ATM fee reimbursement, so you don’t have to worry about accessing cash on the go.
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Why it’s special: The Yield Pledge checking account offers a high APY rate of 0.10%, which is unusual for checking accounts and well worth taking advantage of. Also, there are no overdraft fees.
What to look for: The TIAA checking account comes with 0.10% APY, which is unusual among checking accounts. There are no monthly fees, overdraft fees, or minimum balance requirements. However, the $100 minimum deposit requirement is higher than some other checking accounts, especially those with other online-only banks.
Why the difference: The Key Smart Checking account offers a very competitive offer with no monthly fee plus secure online and mobile banking.
What to look for: KeyBank checking accounts have no monthly fees and require no minimum balance. It requires a deposit of at least $10. While you can access secure online and mobile banking services here, you can also access over 900 bank branches. The overdraft/NSF fee here is $33.
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Why the difference: Online and mobile banking with no monthly fees, no-fee debit cards, and a free Blue Checking account. You can also get an overdraft insurance of up to $400, subject to approval.
What to look for: Arvest Bank checking accounts have no monthly fees or minimum balance requirements. For this checking account, the minimum deposit requirement is $50. Overdraft/NSF fees are as low as $17 here. The account also offers the possibility of $400 in overdraft insurance, but this is subject to approval.
Why the difference: The Momentum V-V checking account has no monthly service fee or minimum balance requirements, making it a good choice for your basic banking needs.
What to look for: Fifth Third’s checking account is competitive with many others because it has no monthly fees and no minimum deposit or minimum balance requirements. The overdraft/NSF fee is $37, but you can avoid it by using Extra Time, which gives you up to one business day after the deposit is credited to your overdraft account. Plus, this checking account has the option to receive your paycheck faster with direct deposit. Get a low-cost cash advance on your next eligible deposit and access over 50,000 free ATMs through MyAdvance.
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Why it’s special: The 360 Checking account has no minimum requirements and no fees — putting it in line with some of the more competitive checking accounts out there. You can add cash to your account at any CVS store.
What to look for: Capital One’s 360 checking account comes out on top for its fees and minimum requirements. There are no monthly fees, no overdraft/NSF fees, no minimum deposit requirements, and no minimum balance requirements. With over 70,000 free ATMs available for this checking account, there are a few branches available if you prefer to do your banking in person.
Why the difference: PNC Bank’s Virtual Wallet combines a checking and savings account to help you keep track of your spending and financial budget.
What to look for: A spending account with PNC Bank Virtual Wallet that has a $7 monthly fee, but the fee is waived. It also requires a minimum deposit of $25 and a minimum balance of $500 to avoid service fees. However, you can easily monitor your activity and receive various notifications through this account. The overdraft/NSF fee is $36.
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What to look for: This online-only, zero-interest checking account is competitive with other accounts when it comes to fees and minimums. There are no monthly fees, deposit or balance requirements.
Why it’s special: An Asterisk checking account remains competitive because it’s free to open and free to maintain. Early payment allows you to pay up to two days in advance.
What to look for: This checking account has no monthly fees. It also does not require a minimum deposit or a minimum balance. The overdraft/NSF fee here is $15, but you can avoid it with a 24-hour grace period and a safe area of $50. Although there are not many ATMs to access this checking account, you can take advantage of the cash reserve, which can help you get extra money when you need it.
Why it stands out: The high-yield investor checking account offers a higher APR than most accounts on this list.
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What to look for: Charles Schwab’s checking account is online only, but it offers unlimited discounts on ATM fees worldwide. There are also no monthly fees or overdraft fees. There is also no minimum requirement for deposits or balances. Best of all, the APY is higher than most of the other accounts on this list
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