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Top Rated Online Checking Accounts – By Matthew Goldberg By Matthew Goldberg right arrow Matthew Goldberg is a consumer banking reporter for . Matthew has over 10 years of financial services experience in banking and insurance. Connect with Matthew Goldberg on Twitter Twitter Connect with Matthew Goldberg on LinkedIn Connect with Matthew Goldberg on LinkedIn Email Matthew Goldberg
Edited by Nell McPherson Edited by Nell McPherson Arrow Right Banking Editor Nell McPherson is the banking editor for , a team of reporters dedicated to helping readers make the best decisions about their checking and savings accounts. Notice, CDs and money market accounts. Connect with Nell McPherson on LinkedIn Linkedin Nell McPherson
Top Rated Online Checking Accounts
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Consumers looking for a new checking account may find that online banks offer features not available at brick-and-mortar banks.
Traditional banks may also offer these checking account features, but at the cost of maintaining high minimum balances. Online checking accounts, on the other hand, typically have no or low minimum balance requirements.
Note: Annual Percentage Rate (APY) shown is as of February 2, 2023 and may vary by region for some products. The list includes only Federal Deposit Insurance Corporation (FDIC) banks or National Credit Union Administration (NCUA) credit unions.
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The Ally Bank Interest Checking Account earns a small amount of interest, has a highly rated app, offers free standard and official checks, free domestic and international wire transfers, and some banks charge no fees. I will charge Interest Check customers have access to over 43,000 Allpoint ATMs. However, if one of these ATMs is unavailable, Ally Bank will reimburse fees charged at out-of-network ATMs up to the equivalent of $10 per statement cycle. Ally Bank also allows you to chat online with customer service or access a toll-free number 24/7.
Something to keep in mind: At least $15,000 is required to earn the top APY. Savers looking for a higher return on their money should consider a high-yield savings or money market account, especially if you’re into saving.
Chime’s main appeal to novice bankers is that it waives overdraft fees. Based on trading history, Chime allows account holders to open their accounts up to $20 initially and up to $200 thereafter. This service requires a direct deposit of $200 or more each month.
Chime customers can also access direct deposits up to two days in advance. This makes it easier for beginners on a tight budget to meet their monthly expenses. Chime also has a network of over 60,000 fee-free ATMs.
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Something to keep in mind: Chime is a challenger bank, a term used to describe tech companies that act like banks. Chime banking services are provided by Bancorp Bank or Stride Bank. Both banks are backed by the Federal Deposit Insurance Corporation (FDIC).
A Charles Schwab Bank High Yield Investment Checking Account allows unlimited ATM fee withdrawals worldwide. The account charges no monthly fees and has no minimum balance requirements. Additionally, Schwab does not charge a foreign transaction fee for international purchases. A small interest will be charged on the remaining balance.
Something to keep in mind: Schwab’s high-yield investment checking accounts require new account holders to also open a Schwab One brokerage account.
The Navy Federal Credit Union Free Campus Checking Account offers members who are full-time students an account that can be used in high school and college. With this account, members between the ages of 14 and 24 pay a monthly service fee. No minimum balance required and no requirement. Monthly charges up to $10 will be refunded each statement cycle. Students have free access to any ATM as long as the refunded amount is not exceeded. Campus free checking accounts also earn a small interest.
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Something to keep in mind: You must be eligible to be a member of Navy Federal Credit Union to get this account. Membership is open to all active duty Department of Defense and Coast Guard civilians, contract personnel, veterans and their families. The account offers interest, but you can earn higher returns with a savings account. A checking account that offers a competitive annual yield (APY) and has no minimum balance requirements can easily be found elsewhere, but it might not be called a student savings account.
With the LendingClub Bank Rewards Checking Account, you can earn 1% cash back on your everyday purchases without paying a monthly fee. This account also earns a small amount of interest and offers access to thousands of free ATMs worldwide. It only takes $25 to open an account. You can also receive direct deposits up to two days in advance into this account.
Please note: Maintaining an average balance of at least $2,500 each month or having at least $2,500 in direct deposits are two ways to ensure eligibility for the 1% cash back program.
This checking account earns interest, but you need at least $100,000 to earn top APY. You also need $2,500 to earn interest.
Internet Banks: Pros And Cons
As with any purchase, researching and comparing banks online will help you make the best decision. Things to consider are:
Also consider the fees. According to the 2022 Checking and ATM Fee Survey, interest-earning accounts had a monthly service fee of $16.19, while no-interest checking accounts had a monthly fee of $5.44. Even a single fee can be expensive, so finding online banking with no minimum balance requirements or maintenance fees can be a good money-saving option. Traditional banks may require direct deposits into some accounts to avoid monthly maintenance fees.
Our editorial team does not receive direct compensation from advertisers, and our content is fact-checked to ensure accuracy. Our editorial and research team analyzed more than 100 widely available financial institutions, consisting of major banks and credit unions, as well as many popular online banks.
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