Our takeHigh APY
1
TB
TB
TAB BankTop rate
FDIC insuredNo minimum
APY
2.75%
+$593
more per year vs your bank
Your bank pays 0.38%+2.37% higher APY
38 checking accounts · Updated daily
The best checking accounts — no fees, real access
Compare checking accounts by monthly fee, minimum balance, ATM access, and whether they pay any interest. Filter to accounts you can actually open today.
Independent rankingsMethodology →
How we rankWe rank by total value — not the headline teaser rateSponsored offers are labeled and never ranked higher for payingEvery account here is FDIC-insured to $250,000Methodology →
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Your balance$25,000
Your checking pays0.38%
Or enter exact
%
Annual opportunity
$593/yr
The top account pays 2.75% APY — 7.2x your current rate. Switching is free and FDIC-insured.
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.Ranked by true cost: Monthly fee, ATM network, overdraft policy, interest rate (if any), and FDIC/NCUA insurance.
Showing 38 checking accounts
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Our takeBest if you want to earn on everyday money — 2% APY checking, no minimum.
2
UD
UD
UFB DirectTrusted
FDIC insuredNo minimum
APY
2.00%
+$405
more per year vs your bank
Your bank pays 0.38%+1.62% higher APY
Our takeBest if you want to earn on everyday money — 2% APY checking, no minimum.
3
ZB
ZB
Zynlo Bank
FDIC insuredNo minimum
APY
2.00%
+$405
more per year vs your bank
Your bank pays 0.38%+1.62% higher APY
Our takeBest if you want to earn on everyday money — 2% APY checking, $100 min.
4
BC
BC
Bank5 Connect
FDIC insured$100 min
APY
2.00%
+$405
more per year vs your bank
Your bank pays 0.38%+1.62% higher APY
Our takeBest if you want to earn on everyday money — 1.75% APY checking, no minimum.
5
NB
NB
NBKC BankTrusted
FDIC insuredNo minimum
APY
1.75%
+$343
more per year vs your bank
Your bank pays 0.38%+1.37% higher APY
Our takeBest if you want to earn on everyday money — 1.25% APY checking, $1,000 min.
6
CB
CB
CFG Bank
FDIC insured$1,000 min
APY
1.25%
+$218
more per year vs your bank
Your bank pays 0.38%+0.87% higher APY
Our takeBest if you want to earn on everyday money — 1.1% APY checking, $100 min.
7
QB
QB
Quontic Bank
FDIC insured$100 min
APY
1.10%
+$180
more per year vs your bank
Your bank pays 0.38%+0.72% higher APY
Our takeBest if you want to earn on everyday money — 1% APY checking, no minimum.
8
AE
AE
American ExpressTrusted
FDIC insuredNo minimum
APY
1.00%
+$155
more per year vs your bank
Your bank pays 0.38%+0.62% higher APY
Our takeBest if you want to earn on everyday money — 1% APY checking, no minimum.
9
BB
BB
Bask BankTrusted
FDIC insuredNo minimum
APY
1.00%
+$155
more per year vs your bank
Your bank pays 0.38%+0.62% higher APY
Our take$500 minimum deposit; earns 0.5% APY. Minimum deposit required.
10
FI
FI
First Internet Bank of Indiana
FDIC insured$500 min
APY
0.50%
+$30
more per year vs your bank
Your bank pays 0.38%+0.12% higher APY
Updated daily·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Advertising disclosure