At Quote States, you're always our top priority. We're committed to empowering you with the ability to make well-informed financial decisions confidently. While our website may not showcase every company or financial product out there, we take immense pride in the advice we share, the knowledge we dispense, and the innovative tools we develop. Everything we do is designed to be objective, independent, clear, and, importantly, free to you.
But how does Quote States sustain its operations? Simply put, we receive compensation from our partners. This compensation might influence which products we decide to feature and discuss, as well as their positioning on our website. However, this commercial relationship does not sway our recommendations or advice, which are rooted in extensive research. Our partners are not able to buy their way into favorable reviews of their products or services on our platform. For transparency, here's a catalog of our partners.
Updated: June 02, 2024, 11:53am
At Quote States, we’re proud to showcase a variety of products from our esteemed partners who provide us with compensation. This arrangement might shape our coverage regarding which products we discuss and the placement and presentation of these products on our site. Nevertheless, we maintain editorial integrity: our assessments and opinions remain unbiased and solely our own. For transparency, here’s a directory of our partners, along with an explanation of how we sustain our operations and generate revenue.
At Quote States, we believe managing your money should be as smooth and effortless as possible. That's why we've curated a selection of checking accounts designed for seamless access and use of your funds, wherever you are, whenever you need. The perfect checking account varies from person to person, shaped by individual habits and requirements. To assist you in navigating this choice, we present an assortment of the finest checking accounts available, each distinguished by its unique features and benefits.
on balances up to $50,000
The Axos Rewards Checking account has interest tiers that allow an account holder to earn up to 3.30% APY total. Balances above $50,000 do not earn interest. These are the steps required to build the highest APY:
For the second year in a row, we picked Axos Bank’s tiered interest rate Rewards Checking account as the best overall bank checking account. Not only does it pay up to 3.30% APY total. Balances above $50,000 do not earn interest—a very competitive rate among checking accounts, but it sometimes offers a bank account welcome bonus as well. There’s a low $50 minimum deposit requirement and no minimum balance requirement. And, as with other checking accounts at Axos, there are no overdraft or non-sufficient funds fees.
0.35% on balances of $20,000
and up to $50,000
waivable with monthly direct deposits of $500
or more or daily balance of $500 or more
We picked PenFed Credit Union Access America Checking because of its 85,000+ fee-free ATM network of Allpoint and Co-op ATMs throughout the nation. Many of these ATMs are located in popular retailers like Target, CVS Pharmacy, Safeway, Kroger, Circle K and more. PenFed doesn’t charge out-of-network ATM fees either, although the ATM operator may charge a fee.
PenFed Credit Union Access America Checking offers an easy-to-meet tiered dividend rate. You’ll earn 0.15% APY when you maintain a monthly recurring direct deposit of $500 or more and maintain a daily balance of up to $19,999.99 and 0.35% APY on daily balances between $20,000 and $50,000.
Also, account holders can get access to direct deposits from their employer up to one day early. And there’s no charge for the first box of 50 checks.
We picked PenFed Credit Union Access America Checking because of its 85,000+ fee-free ATM network of Allpoint and Co-op ATMs throughout the nation. Many of these ATMs are located in popular retailers like Target, CVS Pharmacy, Safeway, Kroger, Circle K and more. PenFed doesn’t charge out-of-network ATM fees either, although the ATM operator may charge a fee.
PenFed Credit Union Access America Checking offers an easy-to-meet tiered dividend rate. You’ll earn 0.15% APY when you maintain a monthly recurring direct deposit of $500 or more and maintain a daily balance of up to $19,999.99 and 0.35% APY on daily balances between $20,000 and $50,000.
Also, account holders can get access to direct deposits from their employer up to one day early. And there’s no charge for the first box of 50 checks.
Earn 1% cash back on up to $3,000 in debit card
purchases each month. See website for details.
Some types of withdrawals and transactions are not eligible for cash-back rewards, including ATM transactions, money order purchases and peer-to-peer payments. There’s a $30 service charge per outgoing wire transfer from your account.
This Discover Bank checking account made our list because it doesn’t charge any account-related fees—no monthly fees, no overdraft fees and no ATM fees. In fact, Discover doesn’t charge foreign ATM or foreign transaction fees either, which is rare even for premium checking accounts—let alone a free one.
Plus, Discover’s Cashback Debit Checking offers 1% cash back on up to $3,000 in debit card purchases each month. See website for details. This means that you can earn rewards of up to $30 per month and offset some of your spending.
Fees applicable to the Yield Pledge Checking account include: stop payment ($25), official check ($10), outgoing domestic wire transfer ($25), outgoing international wire transfer ($30 to $65, depending on whether in U.S. dollars or requiring foreign currency, with or without currency exchange).
Interest on this account is compounded daily and credited monthly.
We picked the EverBank Yield Pledge Checking account because it’s a free account that charges no overdraft or ATM fees, offers access to over 80,000 in-network ATMs and provides $15 in domestic ATM fee reimbursements. It also comes with some handy money management features, and you get a few key protection perks with your account. These include extended warranty protection, price protection, return protection and web safety guarantee protection.
Interest is compounded daily and credited monthly.
This nbkc bank Everything Account made our list because it’s a free account with no minimum opening deposit requirement and no minimum balance required to earn the generous 1.75% APY. Customers also get a debit card and access to more than 37,000 MoneyPass ATMs and can set and track savings goals with nbkc’s tools.
on all balances
Interest is compounded daily and credited monthly. In order to meet the requirements to earn interest, customers must have a daily balance less than or equal to $1 million and make at least 10 qualifying debit card point of sale transactions of $10 or more, per statement cycle.
If the minimum qualifying activity requirements are met, then you’ll receive the up to 1.10% on all balances. If the minimum qualifying activity is not met, then 0.01% APY applies to all balances. Quontic may change the tiers that apply to this account at any time without notice.
Quontic does assess fees for some High Interest Checking activities, including: return deposited item ($10), stop payment ($20), account research ($20 per hour) and account reconciliation ($30 per hour). Quontic charges no fee for incoming wire transfers; however, correspondent bank fees apply. Outgoing wire transfers are assessed a fee of $20 domestic and $30 foreign, plus any fees from correspondent banks.
We picked the Quontic Bank High Interest Checking account because it’s the first checking account to offer a “pay ring”—a wearable tech ring you can use to pay for purchases in place of your debit card. Combined with its highly-rated mobile apps, this account makes it easy to leave your wallet at home and manage your money on the go.
It helps that you can earn a very competitive APY of up to 1.10% on all balances, provided you’re able to meet the monthly qualifying transaction requirements (see Details). And there’s no minimum balance requirement to earn this rate.
The charge for using a non-Citibank ATM is $2.50 per withdrawal.
This Citibank Access Account Package made our list for branch banking because Citibank offers over 650 domestic branches and several hundred international locations. Citibank also maintains more than 65,000 surcharge-free ATMs at Citibank locations and participating retail locations, including Target, CVS Pharmacy and Walgreens.
Its checking account stands out for its affordability and simplicity. This account, built for everyday banking needs, has no overdraft fees and makes it easy to waive the $10 monthly maintenance fee.
Varo doesn’t charge for depositing cash with the Green Dot Reload program, but a $5.95 service fee applies.
We picked Varo’s checking account, called the Varo Bank Account, because it allows you to get paid up to two days early with direct deposit, depending on when your employer submits your payment. The account also has few fees. There’s no monthly maintenance fee, no transfer fee and no foreign transaction fees.
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