Standout Online Checking Accounts
When choosing a new checking account, take a close look at fees, branch and ATM accessibility, and interest rate. People who do online banking should select an institution that offers a good website along with a mobile app that lets them deposit checks remotely.
To get the most from your checking account, you need low fees, good customer support and free ATMs nearby. If you earn interest on your cash, even better. Compare standout checking accounts from our partners below.
When choosing a new checking account, take a close look at fees, branch and ATM accessibility, and interest rate. People who do online banking should select an institution that offers a good website along with a mobile app that lets them deposit checks remotely.
To get the most from your checking account, you need low fees, good customer support and free ATMs nearby. If you earn interest on your cash, even better. Compare standout checking accounts from our partners below.
Standout Online Checking Accounts From Our Partners
| Bank/institution | NerdWallet rating | Monthly fee | APY | Bonus | Learn more |
|---|---|---|---|---|---|
 SoFi Checking and Savings Learn more at SoFi Bank, N.A., Member FDIC | $0 | 0.50% With $0 min. balance for APY | $300 Earn up to $300 with direct deposit. Terms apply. | Learn more at SoFi Bank, N.A., Member FDIC | |
 Capital One 360 Checking Learn more at Capital One, Member FDIC | $0 | 0.10% With $0 min. balance for APY | $250 Earn up to $250 with 360 Checking. Terms Apply. | Learn more at Capital One, Member FDIC | |
 Chase Private Client Checking℠ Learn more at Chase, Member FDIC | $35.00 $0 with qualifying activities | 0.01% With $0 min. balance for APY | $3,000 Requirements to qualify | Learn more at Chase, Member FDIC | |
 E*TRADE Max-Rate Checking Learn more at Morgan Stanley Private Bank, National Association, Member FDIC | $15.00 Waived with direct deposit or $5,000 minimum balance | 3.00% With $0 min. balance for APY | N/A | Learn more at Morgan Stanley Private Bank, National Association, Member FDIC | |
Chase Total Checking® Learn more at Chase, Member FDIC | $12.00 Waived with direct deposit or $1,500 minimum balance | N/A | $300 Requirements to qualify | Learn more at Chase, Member FDIC | |
 Discover® Cashback Debit Learn more at Discover® Bank, Member FDIC | $0 | N/A | $360 Up to $360 per year. See website for details. | Learn more at Discover® Bank, Member FDIC |
You may also like these
People often identify opening a savings account as their next money move.
American Express® High Yield Savings Account
APY
With $0 min. balance for APY
Bonus
at American Express National Bank, Member FDIC
Public
Fees
Account minimum
Promotion
when you transfer your investment portfolio to Public.
on Public's website
Vanguard Cash Plus Account - Paid non-client promotion
Monthly fee
APY
With $0 min. balance for APY
Bonus
at Vanguard, Deposits are FDIC Insured
$0
0.50%
With $0 min. balance for APY
$300
Earn up to $300 with direct deposit. Terms apply.
$0
0.10%
With $0 min. balance for APY
$250
Earn up to $250 with 360 Checking. Terms Apply.
$35.00
$0 with qualifying activities
0.01%
With $0 min. balance for APY
$3,000
Requirements to qualify
$15.00
Waived with direct deposit or $5,000 minimum balance
3.00%
With $0 min. balance for APY
N/A
$12.00
Waived with direct deposit or $1,500 minimum balance
N/A
$300
Requirements to qualify
$0
N/A
$360
Up to $360 per year. See website for details.
Why online checking accounts dominate the list
Some important factors for virtually every bank-shopper are monthly fees, ATM access and interest rates (since they have the biggest impact on your bottom line). And, as it happens, online banks typically offer higher interest rates.
To recap our selections...
NerdWallet's Standout Online Checking Accounts
- SoFi Checking and Savings: 0.50% APY
- Capital One 360 Checking: 0.10% APY
- Chase Private Client Checking℠: 0.01% APY
- E*TRADE Max-Rate Checking: 3.00% APY
- Chase Total Checking®
- Discover® Cashback Debit
