Best of the Checking Accounts 2019
Your personal checking account is where you make deposits and manage your everyday financial needs. Between withdrawing cash, paying bills and transferring money, your checking account is probably one of the most heavily used bank accounts you have.
Axos Checking account
Monthly fee
$0
APY
1.25%
Minimum balance
$1
Rewards Checking has no minimum balance and no monthly maintenance, overdraft or nonsufficient-funds fees. The account also has an annual percentage yield as high as 1.25%, depending on your account activity. To earn maximum interest, you’d need to have monthly direct deposits of $1,000 or more and use your debit card at least 15 times a month, with a minimum $3 purchase.
Chime Checking account
Monthly fee
$0
APY
N/A
Minimum balance
No
Chime is a bank account that offers cash-back rewards when you use your debit card. There are no monthly fees or minimum balance requirements and no overdraft fees, and you have access to more than 38,000 fee-free ATMs. Through Chime’s early direct deposit service, customers can get their paychecks up to two days earlier than if they cashed their checks at a bank.
Simple Checking account
Monthly fee
$0
APY
0.01%
Minimum balance
$1
Simple Fee-Free Checking lets you sign up for direct deposit, pay bills online and more. But this online-only account’s handy budgeting tool, really makes it stand out. It uses your monthly bills and savings goals to calculate how much you can afford to spend on nonessential expenses. Simple also lets you automatically save toward planned, recurring expenses, or planned splurges.
Alliant Checking account
Monthly fee
$0
APY
0.65%
Minimum balance
$1
It’s easy to apply for Alliant membership. Just agree to support an Alliant-affiliated nonprofit if you don’t meet the other criteria, and Alliant will make a $5 donation on your behalf. Once you open an account, you’ll have access to Alliant’s services, including more than 80,000 surcharge-free ATMs, and you’ll pay minimal fees. You’ll qualify for an annual percentage yield of 0.65%.
How to save on checking accounts
To save on service fees on checking accounts and ATMs,
understand the fees and features.
Money management
A checking account gives you a secure place to keep your money, where you can easily deposit income and pay bills.
Purchase power
A debit card with a credit card logo gives you unlimited access to your money.
Convenience
If you choose a checking account that has online banking, you’ll be able to see your balance daily and manage your spending.
ATM access
With your linked debit card, you can access your funds at an ATM for more flexibility.
Disclaimer
CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.
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