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How we rank: Products are ranked by credit score fit, rates, fees, and features — not by commission size. See full methodology →
Editor's Pick
Chime® Checking Account
Chime · Online Bank · FDIC Insured
Highest-Rated Overall — Based on WiseIQ's Methodology
No Fees
No monthly fees, no minimum balance, get paid up to 2 days early with direct deposit, and overdraft up to $200 with no fees through SpotMe.
No monthly fees, no minimums
Get paid 2 days early with direct deposit
SpotMe: overdraft up to $200 fee-free
60,000+ fee-free ATMs
Instant transfers between Chime members
FDIC insured up to $250,000
SoFi Checking & Savings
SoFi Bank · FDIC Insured
Earns Interest
Early Pay
Earn up to 3.80% APY on savings and 0.50% APY on checking with direct deposit. Get paid up to 2 days early and overdraft coverage up to $50 fee-free.
Up to 3.80% APY on savings (with direct deposit)
0.50% APY on checking balance
Get paid 2 days early
No monthly fees or minimums
$50 overdraft coverage fee-free
55,000+ fee-free ATMs
Ally Interest Checking Account
Ally Bank · FDIC Insured
Best APY Checking
Earn interest on your checking balance, get reimbursed up to $10/month in out-of-network ATM fees, and never pay a monthly maintenance fee.
0.25% APY on balances under $15K
Up to $10/month ATM fee reimbursement
No monthly fees or minimums
CoverDraft: overdraft protection up to $250
Zelle built in
43,000+ Allpoint ATMs fee-free
Capital One 360 Checking
Capital One · FDIC Insured
No Overdraft Fees
No overdraft fees ever — Capital One automatically declines transactions you cannot cover or transfers from savings. Earn 0.10% APY with no monthly fee.
No overdraft fees — ever
0.10% APY on all balances
No monthly fees or minimums
70,000+ fee-free ATMs (Capital One + Allpoint)
Zelle built in
Mobile check deposit
Discover Cashback Debit
Discover Bank · FDIC Insured
1% Cash Back Debit
The only major checking account that earns 1% cash back on up to $3,000 in debit card purchases per month — with no monthly fees and no minimum balance.
1% cash back on debit purchases (up to $3K/mo)
No monthly fees or minimums
No overdraft fees
60,000+ fee-free ATMs
Zelle built in
Early direct deposit
Current Account
Current · Online Bank · FDIC Insured
4% APY Savings Pods
No Fees
Earn 4% APY on up to $6,000 in savings pods, get paid up to 2 days early, and access fee-free overdraft up to $200 with Overdrive.
4% APY on savings pods (up to $6K)
Get paid 2 days early
Overdrive: $200 fee-free overdraft
40,000+ fee-free ATMs
Instant gas hold removal
No monthly fees
Varo Bank Account
Varo Bank · FDIC Insured
No Overdraft Fees
A full-service bank account with no monthly fees, early direct deposit, and Varo Advance — a fee-free cash advance up to $250 for eligible customers.
No monthly fees or minimums
Get paid up to 2 days early
Varo Advance: up to $250 fee-free cash advance
Up to 5% APY on Varo Savings
40,000+ fee-free Allpoint ATMs
No minimum opening deposit