Banking & Financial Services Best Banks for Checking Accounts in the U.S. – Low Fees & Great Features

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What are the best banks in U.S. for checking accounts?​

Looking for the best checking accounts in the U.S.? Compare top banks offering low fees, high interest, cashback rewards, and nationwide ATM access. Find the right bank for your needs today!​

Selecting the right checking account is crucial for effective financial management. Here are some top banks in the U.S. known for their exceptional checking account offerings:

1. Discover Bank – Cashback Debit Account

• Cashback Rewards: Earn 1% cash back on up to $3,000 in debit card purchases each month.
• Fees: No monthly maintenance fees and no minimum balance requirements.
• ATM Access: Access to over 60,000 no-fee ATMs nationwide.
• Additional Features: No fees for standard checks, online bill pay, or replacement debit cards.

2. Ally Bank – Interest Checking Account

• Interest Rates: Offers 0.10% APY on balances less than $15,000 and 0.25% APY on balances of $15,000 or more.
• Fees: No monthly maintenance fees and no minimum balance requirements.
• ATM Access: Provides access to over 43,000 Allpoint® ATMs and reimburses up to $10 per statement cycle for fees charged at other ATMs.
• Digital Features: Highly rated mobile app with features like mobile check deposit and online bill pay.

3. Chase Bank – Total Checking® Account

• Branch and ATM Access: Extensive network with thousands of branches and ATMs nationwide.
• Monthly Fee: $12 monthly maintenance fee, which can be waived by meeting one of the following each statement period:
  • Direct deposits totaling $500 or more.
  • Maintaining a beginning day balance of $1,500 or more.
  • An average beginning day balance of $5,000 or more across linked qualifying accounts.
• Additional Features: Access to Chase Offers for cash back, Zelle® for person-to-person payments, and a user-friendly mobile app.

4. Bank of America – Advantage Banking

• Account Options: Offers three settings—SafeBalance®, Plus, and Relationship Banking—to cater to different customer needs.
• Monthly Fees:Vary by setting but can be waived by meeting requirements such as:
  • Enrolling in Preferred Rewards.
  • Having qualifying direct deposits.
  • Maintaining minimum balance requirements.
• ATM and Branch Access: Extensive network of ATMs and branches nationwide.
• Digital Features: Robust online banking platform with a highly rated mobile app.

5. SoFi – Checking and Savings Account

• Interest Rates: Offers a competitive APY on balances when you set up direct deposit.
• Fees: No account fees, including no overdraft, minimum balance, or monthly maintenance fees.
• ATM Access: Access to a large network of fee-free ATMs.
• Additional Features: Early access to direct deposit funds, automatic savings features, and cash back offers.

6. NBKC Bank – Everything Account

• Fees: No monthly fees, no minimum balance requirements, and no overdraft fees.
• Interest Rates: Offers a competitive APY on all balances.
• ATM Access: Access to over 37,000 MoneyPass® ATMs nationwide and up to $12 monthly refunds for out-of-network ATM fees.
• Digital Features: User-friendly online banking platform with free bill pay and mobile check deposit.

7. Capital One – 360 Checking Account

• Fees: No monthly fees and no minimum balance requirements.
• Interest Rates: Offers a competitive APY on all balances.
• ATM Access: Access to over 70,000 fee-free ATMs nationwide.
• Additional Features: No foreign transaction fees, free bill pay, and a highly rated mobile app.

When choosing a checking account, consider factors such as fees, interest rates, ATM access, branch availability, and digital banking features to ensure the account aligns with your financial needs and lifestyle.