11 Best Checking Accounts for November 2024

The account has no monthly fee, no overdraft fee and direct deposit up to two days early.

Users can also get their paychecks up to two days early via direct deposit, and Discover’s mobile banking apps have high customer ratings, which is helpful because the bank only has one physical branch, in Delaware.

American Express Rewards Checking is available to American Express customers who have had a consumer credit card for at least 35 days. The account has a 1.00% APY interest rate and no monthly fees or minimum deposit requirements. Notably, American Express doesn’t have any requirements for customers to earn interest, but the requirement that new banking customers be credit card customers is a rare prerequisite. Customers have access to more than 70,000 MoneyPass and Allpoint ATMs as well.

NBKC’s free Everything Account offers a 1.75% APY with no minimum opening deposit. NBKC is part of the MoneyPass network, which gives customers free access to more than 37,000 nationwide ATMs, and it also offers up to $12 per month for reimbursement of out-of-network ATM fees. Since NBKC is an online bank, you’ll need to be comfortable with remote customer service.

Charles Schwab’s Investor Checking account has no monthly fee or overdraft fees, and customers earn a 0.10% APY with no requirements. The interest rate on this account isn’t the highest that consumers could get — especially compared to other online banks — but through Schwab, customers also have access to unlimited ATM fee rebates and no foreign transaction fees, which makes this account great for frequent travelers.

Zynlo Bank customers can earn 2.00% APY on their spending account on any balance of a penny or more, which is a relatively high interest rate with no requirements to earn that rate. There’s a $10 minimum opening deposit for the account and no monthly fee. Zynlo is part of the Allpoint network, so customers can access more than 55,000 free ATMs. A large, free ATM network is a beneficial feature when you primarily bank online.

Laurel Road’s Loyalty Checking account has no monthly fees, and customers have access to more than 40,000 fee-free ATMs. The account has a very low 0.01% APY, but customers can earn both a welcome bonus and monthly bonuses with qualifying direct deposits. The welcome bonus is $300 if a new customer makes direct deposits of at least $2,500 total in the first 60 days, and customers can earn $20 per month in the first year if they direct deposit at least $2,500 per month. After the first year, customers can earn $10 per month with the same direct deposit requirement. The welcome bonus requires quite a few timely direct deposits, so make sure you’re meeting the stipulations if you have an eye on the maximum bonus amount.

TAB Spend has no monthly fees or minimum balances and a strong interest rate in addition to 1% cash back on debit card purchases. Customers also have access to more than 40,000 fee-free MoneyPass ATMs across the country.