Find The Best Checking Accounts

Review of the best checking accounts and debit cards.

A good checking account is a critical component of your overall financial well-being. Without it, you can’t easily monitor and manage how much you’re spending each month. It’s important to have a checking account that fits your lifestyle and doesn’t cost you anything to maintain. Be sure to understand what services you need and what services you don’t. Three common requirements for any great checking account service includes no monthly fees for the service itself, accessibility to ATMs (make sure you can access your money when you need it) and online + mobile banking that is user-friendly and includes mobile check deposit capabilities.

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What type of checking account are you looking for?



Best Overall Checking & Debit Accounts

These are the best overall checking and debit card accounts based on what an average banking customer needs.


Ally Bank Interest Checking Account

Ally Bank Interest Checking Account Ally Bank Interest Checking Account

No minimum balance, no maintenance fees
0.10 to 0.60% interest yields depending on your average daily balance

Open Account

Highlights to Consider Based On Our Review
  • No minimums or balance maintenance requirements
  • Access cash using AllPoint ATMs
  • High interest yields for a checking account
  • Deposit checks electronically using your mobile device

EverBank Yield Pledge® Checking

EverBank Yield Pledge® Checking EverBank Yield Pledge® Checking

$1,500 deposit with new account opening
0.30 to 0.61% interest yields, higher bonus yields available for larger balances

Open Account

Highlights to Consider Based On Our Review
  • Unlimited ATM fee reimbursements with minimum balance of $5,000
  • Mobile banking including deposits
  • No monthly fees
  • You may be able to increase your credit line to $5,000 in your first year
  • Limit of 6 money movements per month

CapitalOne 360 Checking®

CapitalOne 360 Checking® CapitalOne 360 Checking®

No account minimums or fees to maintain the account
0.20 - 0.90% interest yields depending on your account balance

Open Account

Highlights to Consider Based On Our Review
  • No overdraft fees or minimums
  • Free MasterCard debit card
  • Use any Allpoint ATMs without fees, other ATMs may be subject to fees
  • Access to account online or using the mobile app
  • Mobile deposits available using the CapitalOne 360 mobile app, this isn’t the most beautiful mobile application

New Checking Account Rewards

Some banks provide new account opening rewards for their checking account products. These can help you save money and get you started with a little bit of extra cash.


Chase Total Checking®

Chase Total Checking® Chase Total Checking®

Receive $150 when opening an account with $1,500 or after setting up $500/mo direct deposit
No fees when you maintain a minimum balance of $1,500

Open Account

Highlights to Consider Based On Our Review
  • Free bill payment with online banking services
  • Mobile deposits and an easy-to-use application
  • $150 reward for new customers who qualify, you must keep the account for at least 6 months
  • Large number of ATMs, non-Chase ATMs will have associated fees to withdraw from

Debit Card & Checking Account Alternatives

If you do not qualify for a traditional checking account or would like the simplicity of a debit card without additional banking services, there are other checking account alternatives also available. We’ve taken a closer look at some of them here.


American Express Bluebird

American Express Bluebird American Express Bluebird

FDIC-insured, direct deposit capable
No minimum balance or credit review required

Open Account

Highlights to Consider Based On Our Review
  • Online banking with free bill payment services
  • 24/7 American Express customer support
  • No overdraft fees or minimums
  • No fee access to network of 24,000 ATMs, $2.50 fee for out-of-network
  • Mobile deposit capable mobile application

Chase Liquid

Chase Liquid Chase Liquid

FDIC-insured, direct deposit capable with chip-enabled Visa card
$4.95 account maintenance fee

Open Account

Highlights to Consider Based On Our Review
  • Load or access cash using select Chase ATMs and branches
  • Chase.com online and mobile banking
  • Daily limit of $3,000 on purchases and cash advances
  • Zero liability for unauthorized transactions or withdrawals
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