Find the best checking account
Compare fees, APY, ATM access, and sign-up bonuses — April 2026 benchmarks
| Product | APY | Min Balance | Monthly Fee | Signup Bonus | Rating | Actions |
|---|---|---|---|---|---|---|
 SoFi SoFi Checking | 0.50% | $0 | $0 | — | 4.5 | |
 Ally Bank Ally Interest Checking | 0.25% | $0 | $0 | — | 4.5 | |
Charles Schwab Bank Schwab Bank Investor Checking | 0.15% | $0 | $0 | — | 4.7 | |
 Capital One Capital One 360 Checking | 0.10% | $0 | $0 | — | 4.6 | |
 U.S. Bank U.S. Bank Smartly Checking | 0.05% | $25 | $6.95 | — | 4.2 | |
Huntington Bank Huntington Perks Checking | 0.02% | $0 | $10 | — | 4.0 | |
PNC Bank PNC Virtual Wallet Spend | 0.01% | $0 | $7 | — | 4.3 | |
Truist Bank Truist One Checking | 0.01% | $50 | $12 | — | 4.1 | |
BMO Bank BMO Smart Advantage Checking | 0.01% | $25 | $12 | — | 4.1 | |
 Wells Fargo Wells Fargo Everyday Checking | 0.01% | $25 | $10 | — | 4.0 | |
KeyBank Key Smart Checking | 0.01% | $10 | $7 | — | 4.0 | |
Regions Bank Regions LifeGreen Checking | 0.01% | $50 | $8 | — | 3.9 | |
 Discover Bank Discover Cashback Debit | 0.00% | $0 | $0 | Up to 1% cash back on eligible debit | 4.4 | |
 Chase Chase Secure Banking Editor's Choice | 0.00% | $0 | $4.95 | — | 4.2 | |
 Bank of America Bank of America Advantage SafeBalance | 0.00% | $25 | $4.95 | — | 4.1 |