10 Best Rewards Checking Accounts of 2024

Upgrade charges no monthly fees or overdraft fees. Customers also have fee-free access to 55,000 AllPoint ATMs.

Earn 1% cash back on up to $3,000 in debit card purchases each month. Customers can also get their paychecks up to two days early when they set up direct deposit to their accounts. Discover® Bank has a nationwide network of over 60,000 fee-free ATMs, and customers can also opt in to fee-free overdraft protection.

Zynlo’s More Spending account gives customers a 2.00% APY with a $10 minimum deposit to open the account. Customers have access to more than 55,000 fee-free Allpoint ATMs, and there’s no monthly fee on the account. Customers can also get paid up to two days early when they set up direct deposit with their employer.

NBKC’s Everything Account gives its customers 1.75% APY on all balances. There’s no monthly fee or minimum balance requirement, and customers have access to more than 37,000 fee-free ATMs. NBKC also offers up to $12 in monthly fee reimbursements for out-of-network ATMs.

Customers with an American Express Rewards Checking account earn 1.00% APY on all balances. They also have access to over 70,000 fee-free MoneyPass and Allpoint ATMs nationwide and 24/7 customer service. The account can only be opened by customers who have a U.S. basic American Express consumer credit card that has been open for at least 35 days.

Connexus Xtraordinary Checking customers can earn 1.75% APY on balances of up to $25,000 as well as up to $25 per month in out-of-network ATM fees. To qualify for these benefits, customers have to opt into e-statements and make either $400 in debit card purchases or make 15 debit card transactions per month. Customers won’t earn interest or receive ATM fee reimbursement if they don’t meet these requirements. For customers who keep more than $25,000 in their Xtraordinary Checking account, they’ll earn 0.25% APY for any amount over the threshold.