Compare Bank Accounts
Browse 93 account records across checking, savings, business banking, cash management and kids accounts. Search by bank or product name, compare checked terms, and open a review for plan details and sources. Looking for a payout? See bank bonuses.
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Select Compare beside up to four accounts, then open Compare Accounts.
Best Business Checking Accounts
Compare seven business checking accounts by monthly fees, waiver rules, cash deposits, payment costs and interest. Find a fit for how your business operates.
Best High-Yield Savings Accounts
Compare savings APYs, introductory offers, deposit requirements and access to your money, with current bank sources.
Best Free Checking Accounts
Compare nine checking accounts with no monthly maintenance fee, including options for cash deposits, ATM rebates, debit rewards and local branches.
Best Online Banks
Compare online banks and cash-management alternatives by monthly fees, ATM access, cash deposits, rate requirements and bank versus brokerage protection.
Best Bank Accounts for Startups
Compare six startup bank accounts by monthly fees, payment costs, eligibility, FDIC coverage and access to operating cash or treasury investments.
Best Kids and Teen Bank Accounts
Compare teen checking accounts and kids debit cards by age, monthly cost, parent controls and whether the account can receive a paycheck.
Best Cash Management Accounts
Compare six cash-management and bank alternatives by account type, FDIC or SIPC protection, cash access and personal versus business use.
Best Business Bank Accounts for LLCs
Compare seven LLC checking options by monthly fees, cash deposits, owner access and bookkeeping tools. See opening requirements for single- and multi-member LLCs.
Showing 93 of 93 account records.
| Account | Type | APY / yield | Monthly Fee | Plans / tiers | Rating | Best For | Compare |
|---|---|---|---|---|---|---|---|
| Charles Schwab Schwab Bank Investor Checking Checked 2026-10-23 | Checking | 0.01% variable APY, confirmed October 23, 2026 | $0 | — | 9.5 | Schwab investors and travelers who want bank checking with eligible ATM rebates | |
| Wealthfront Cash Account Checked 2026-11-02 | Cash Management | 3.55% variable base APY as of October 1, 2026; eligible new-client offer adds 0.65 percentage point for three months on up to $150,000; separate 0.25-point recurring-deposit plus investing incentive has ongoing requirements | $0 | — | 9.5 | Savers who want integrated spending and eligible instant withdrawals | |
| Fidelity Cash Management Account Checked 2026-10-23 | Cash Management | Variable FDIC sweep APY or SPAXX money-market yield; these are different return measures | $0 | — | 9.3 | Fidelity customers who want spending tools and a choice of cash core positions | |
| Ally Bank Online Savings Account Checked 2026-11-02 | Savings | 3.20% variable APY; checked November 2, 2026 | $0 | — | 9.0 | Savers who want goal-based organization and a full-service online bank | |
| Bluevine Business Checking Checked 2026-10-22 | Business Checking | 1.3% variable APY on up to $250,000 with $500 monthly eligible Bluevine debit or Cashback Mastercard spend or $2,500 in monthly customer payments; paid Plus 1.75% up to $250,000, Premier 3.0% on all balances | $0 (Standard) | 3 tiers | 9.0 | Businesses that can meet Standard interest eligibility and want no monthly maintenance fee | |
| Fidelity Youth Account Checked 2026-10-12 | Kids & Teens | Uninvested cash can sit in money market funds at prevailing rates | $0 | — | 9.0 | Teens ages 13–17 interested in owning investments with parental oversight | |
| Mercury Business Banking Checked 2026-10-12 | Business Checking | Treasury is a separate investment product: published net yields 3.30–3.75% for MRGXX (October 19, 2026) and 3.63–4.08% for MCRYX (October 16, 2026), varying by total balance; $250,000 eligibility threshold | $0 (banking is free on every tier) | 3 tiers | 9.0 | Startups and online businesses that want free wires and serious software | |
| SoFi Checking and Savings Checked 2026-10-12 | Checking | 3.30% savings with eligible direct deposit or $5,000 qualifying deposits every 31 days; 0.80% otherwise without Plus; 0.50% checking. Eligible new accounts: 4.40% for up to six months. Plus: 4.70% on eligible tier balances, then 3.30%; joint-account rules apply | $0 | 3 tiers | 9.0 | People who want combined checking and savings and can maintain their preferred rate tier | |
| Ally Bank Spending Account Checked 2026-10-12 | Checking | 0.10% under $15,000; 0.25% on $15,000+ | $0 | — | 8.8 | Anyone who wants dead-simple free online checking with great budgeting tools | |
| X Money Account Checked 2026-10-23 | Cash Management | 4.00% or 6.00% depending on tier and qualifying deposits; New York residents receive no interest | $0 monthly account fee; optional paid X subscription and service fees are separate | 3 tiers | 8.7 | Eligible users who understand the deposit rules and merchant exclusions; interest seekers must be outside New York | |
| Alliant Credit Union High-Rate Checking Checked 2026-10-12 | Checking | 0.25% with eStatements and one monthly electronic deposit | $0 | — | 8.5 | Anyone who wants a full-service, member-owned primary bank with real ATM rebates | |
| American Express Business Checking Checked 2026-10-23 | Business Checking | 1.00% APY on balances up to $500,000; variable, with no interest on the portion above $500,000 | $0 monthly maintenance fee; transaction and third-party fees can apply | — | 8.5 | Businesses paid electronically that want interest, rewards and online account management | |
| Barclays Tiered Savings Checked 2026-11-02 | Savings | 3.50% under $250,000; 3.65% on $250,000-$1M (as of November 2026) | $0 | 2 tiers | 8.5 | Savers comparing balance-tiered APYs with no monthly maintenance fee | |
| Brex Business Account Checked 2026-10-12 | Cash Management | Estimated annualized Treasury total return 3.58% ($0-$500k) to 3.93% ($20M+), variable and not a savings APY; checking and Vault pay no interest | $0 (Essentials) | 3 tiers | 8.5 | Eligible companies that want business cash management alongside cards and expense tools | |
| Capital One 360 Checking Checked 2026-10-23 | Checking | 0.10% variable APY across all five balance tiers; checked October 23, 2026 in Capital One’s public rate feed | $0 monthly maintenance fee; some optional services have charges | — | 8.5 | People who want checking without a monthly fee and access to free cash deposits | |
| Capital One MONEY Teen Checking Checked 2026-10-12 | Kids & Teens | Variable interest; confirm current APY with Capital One | $0 | — | 8.5 | Families seeking joint checking from age 6 without a separate parent bank account | |
| Chase Business Complete Banking Checked 2026-10-12 | Business Checking | None | $15, waived each statement period with a $2,000 minimum daily ending balance, $2,000 eligible Chase for Business credit-card purchases, $2,000 eligible Chase QuickAccept or Chase Payment Solutions deposits, a qualifying linked Chase Private Client, JPMorgan Classic or Private Client Checking Plus account, or Chase Military Banking requirements | — | 8.5 | Businesses needing branch access, cash deposits and integrated card acceptance | |
| EverBank Performance Savings Checked 2026-11-02 | Savings | 4.20% variable APY for new accounts; may not apply to existing accounts. Checked November 2, 2026 | $0 | — | 8.5 | New-account shoppers who want no recurring deposit requirement | |
| Greenlight Greenlight Debit Card for Kids & Teens Checked 2026-10-22 | Kids & Teens | 2% savings reward on Core, up to 6% on Family Shield (on up to $5,000 per family) | $5.99-$19.98 per family for direct plans; eligible bank-sponsored plans may be complimentary | 4 tiers | 8.5 | Families with multiple kids who want serious parental controls and will use the platform features | |
| Happen Bank (formerly LendingClub) LevelUp Savings Checked 2026-11-02 | Savings | 4.20% variable LevelUp APY with $250 in qualifying deposits in the prior evaluation statement cycle; 3.00% standard APY otherwise. Introductory cycles apply; checked November 2, 2026 | $0 | — | 8.5 | Regular savers who can track statement-cycle deposits and want an optional ATM card | |
| Live Oak Bank Business Savings Checked 2026-10-12 | Business Savings | 2.75% on all balances (down from 2.85%; 3.00% before January 2026) | $0 | — | 8.5 | Parking business reserves and emergency funds at a top-of-market rate | |
| Marcus by Goldman Sachs High-Yield Online Savings Checked 2026-11-02 | Savings | 3.50% variable APY, rate checked November 2, 2026 | $0 | — | 8.5 | Savers who want a big-name HYSA with zero hoops and fast transfers | |
| Openbank by Santander High Yield Savings Checked 2026-11-02 | Savings | Up to 4.35% variable APY with an eligible 0.35-percentage-point boost for six months; standard variable APY currently 4.00%. ZIP-code terms apply; checked November 2, 2026 | $0 | — | 8.5 | Eligible new savers who will compare the standard rate after the introductory boost ends | |
| Pibank, N.A. Pibank Savings Checked 2026-11-02 | Savings | 4.40% variable APY; official offer dated October 21, 2026, checked November 2 | $0 | — | 8.5 | Savers comparing variable rates who can plan around the available transfer methods | |
| Raisin Savings Marketplace Checked 2026-11-02 | Savings | Up to ~4.30% depending on partner institution (as of November 2026, up from ~4.15%) | $0 | — | 8.5 | Rate-chasers tired of opening a new bank account every rate cycle | |
| Relay Business Banking Checked 2026-10-05 | Business Checking | Auto-savings pays 1.19% (Starter), 1.87% (Grow), or 3.21% (Scale) as of 10/5/2026 | $0 (Starter) | 3 tiers | 8.5 | Businesses that budget across many accounts and handle some cash | |
| American Express National Bank High Yield Savings Account Checked 2026-11-02 | Savings | 3.20% variable APY, checked November 2, 2026 | $0 monthly fee | — | 8.0 | Savers who want simple online savings and can plan around transfer timing | |
| Axos Bank Axos ONE (successor to Rewards Checking) Checked 2026-10-12 | Checking | Up to 0.51% checking + 4.21% savings with qualifying activity (3.50% on $250,000+); up to 1.00% savings base; new accounts opened in October 2026 get 5.00% for six statement cycles | $0 | 2 tiers | 8.0 | Steady W-2 earners who can reliably clear the deposit-and-balance hurdle | |
| Axos Bank Basic Business Checking Checked 2026-10-12 | Business Checking | None on Basic; Business Interest Checking pays 1.01% under $50k (then 0.10-0.20%) | $0 (Basic) | 2 tiers | 8.0 | Owners who want a real bank charter, ATM refunds, and a signup bonus | |
| Bask Bank (Texas Capital Bank) Interest Savings Checked 2026-11-02 | Savings | 3.90% (as of November 2026, up from 3.75%); rate-boost promotions can raise it further for qualifying customers | $0 | 2 tiers | 8.0 | Savers who want a top cash rate — or AAdvantage mile accumulation on idle cash | |
| Betterment Cash Reserve Checked 2026-11-02 | Cash Management | 3.50% variable base APY as of September 21, 2026; eligible new clients receive an additional 0.75 percentage point on up to $1 million through February 15, 2027 under the checked offer | $0 | — | 8.0 | Savers who want separate cash goals and can allow time for withdrawals | |
| Capital One 360 Performance Savings Checked 2026-11-02 | Savings | 3.20% on all balances (verified November 2, 2026; variable) | $0 | — | 8.0 | Savers who want no monthly fee and cash deposit options | |
| Capital One Business Checking (Basic / Enhanced / Premier) Checked 2026-10-23 | Business Checking | None | $15 Basic, $35 Enhanced or $99 Premier; qualifying average balances can waive the monthly fee | 3 tiers | 8.0 | Businesses with frequent eligible digital transactions that can compare cash and wire costs by tier | |
| CIT Bank Platinum Savings Checked 2026-11-02 | Savings | 3.75% variable APY on $5,000 or more; 0.25% below $5,000 | $0 | — | 8.0 | Online savers who can keep a buffer above the $5,000 threshold | |
| Grasshopper Bank Innovator Business Checking Checked 2026-10-12 | Business Checking | 1.35% on $25k-$250k; 1.00% below $25k and above $250k | $0 | 2 tiers | 8.0 | Businesses holding $25k-$250k that spend on debit and want a real charter | |
| Huntington Business Checking (100 / Unlimited / Unlimited Plus) Checked 2026-10-12 | Business Checking | None on 100 and Unlimited; Unlimited Plus is interest-bearing | $0 (100), $20 (Unlimited), or $40 (Unlimited Plus); paid tiers waivable with relationship balances or a qualifying personal checking account | 3 tiers | 8.0 | Midwest businesses that can catch one of Huntington's big checking bonuses | |
| Navy Federal Credit Union Free Easy Checking Checked 2026-10-12 | Checking | 0.05% | $0 (requires direct deposit or 20 debit transactions per statement period to stay in the product) | — | 8.0 | Military members and families who want branch banking plus solid digital tools | |
| nbkc bank Business Account Checked 2026-10-12 | Business Checking | None | $0 | — | 8.0 | Small businesses that want zero-fee banking with no fine print | |
| Ramp Business Account (Ramp Treasury) Checked 2026-10-12 | Cash Management | Checking: 2.00% variable APY as of October 23, 2026. Separate Investment Account advertises up to 4.6% net yield, with September 3, 2026 sample-portfolio assumptions; not a bank APY or guaranteed return | $0 (included with Ramp's free tier) | 2 tiers | 8.0 | Ramp card customers who want their operating cash earning FDIC-insured interest | |
| Rho Business Banking Checked 2026-10-12 | Business Checking | Checking pays no interest; savings up to 1.00% variable APY with $25,000 average monthly balance. Treasury net yields vary by investment and balance: IJTXX 3.22–3.67%, MULSX 3.43–3.88%, 13-week T-bill benchmark 3.54–3.99% (source dates October 22, 2026); not bank APYs | $0 | — | 8.0 | Incorporated companies that want banking and AP automation in one free platform | |
| Step Step Visa Card & Money Account Checked 2026-10-22 | Kids & Teens | 3% savings reward with Step Black (paid as rewards, not interest); none on the free tier | $0 core; Step Black can be earned at no cost with $300 in qualifying monthly direct deposits or $500 in monthly card spend; paid enrollment may be offered in-app | 2 tiers | 8.0 | Families who want a no-monthly-fee account with a credit-building path at 18 | |
| Synchrony Bank High Yield Savings Checked 2026-11-02 | Savings | 3.55% (as of November 2026, up from 3.30% after the Fed's September 16, 2026 rate hike) | $0 | — | 8.0 | Emergency funds that need same-minute cash access | |
| U.S. Bank Business Checking (Essentials / Gold / Platinum / Premium / Nonprofit) Checked 2026-10-23 | Business Checking | Essentials and Platinum: no interest. Gold and Nonprofit: interest options; current APYs not verified. Premium: earnings credit, with an interest-bearing version also available. | $0 / $20 / $30 / $34 / $0; Gold and Platinum waivable | 5 tiers | 8.0 | Businesses with nearby U.S. Bank branches and a transaction mix that fits a tier | |
| Betterment Checking Checked 2026-10-26 | Checking | None on checking; the separate Cash Reserve account carries the yield | $0 | — | 7.8 | Betterment investors and travelers who want every ATM and FX fee handed back | |
| Chime Checking Account Checked 2026-10-23 | Checking | No checking interest; separate savings pays 1.00% base, 3.00% with Chime Plus or 4.00% with Chime Prime. Variable APYs effective October 6, 2026; qualifying deposits required for higher tiers | $0 monthly maintenance fee; Plus and Prime have no subscription charge. Optional services and third-party transactions can cost extra | 3 tiers | 7.8 | Personal banking with free retail cash deposits and deposit-qualified savings tiers | |
| OnePay (formerly ONE) Banking Checked 2026-10-23 | Checking | 0.00% on Checking; 3.35% variable APY on Savings with no minimum balance (rate schedule effective October 13, 2026) | $0 | — | 7.8 | Individual account owners who value Walmart cash access and app-based savings | |
| Upgrade Rewards Checking Preferred Checked 2026-10-12 | Checking | None on checking; linked Performance Savings pays 3.30% with Active direct-deposit status, 1.5% otherwise | $0 | 2 tiers | 7.8 | Debit-first spenders who want credit-card-grade cash back without a credit card | |
| Acorns Acorns Early (formerly GoHenry) Checked 2026-10-12 | Kids & Teens | None | $8 (Early Lite) or included in the $12 Acorns Gold subscription | 2 tiers | 7.5 | Acorns users who want kid debit cards and custodial investing under one subscription | |
| Ally Bank Money Market Account Checked 2026-11-02 | Money Market | 3.20% variable APY displayed November 2, 2026; confirm the rate for your balance tier | $0 | — | 7.5 | Customers who want a bank money-market deposit with occasional debit or check access | |
| Axos Bank First Checking Checked 2026-10-12 | Kids & Teens | Not stated on the official product page | $0 | — | 7.5 | Teens 13+ who need a free, real bank account for paychecks and everyday spending | |
| Bank of America Business Advantage Banking Checked 2026-10-23 | Business Checking | None | $16 (Fundamentals) or $29.95 (Relationship), waivable | 2 tiers | 7.5 | Businesses that need branch cash deposits and can use a fee waiver | |
| Bread Savings (Bread Financial) High-Yield Savings Checked 2026-11-02 | Savings | 4.05% (as of November 2026, up from 4.00%) | $0 | — | 7.5 | Parked savings that won't need fast or frequent withdrawals | |
| Chase Checking Accounts Checked 2026-10-22 | Checking | Total and Secure earn no interest; Premier Plus earns 0.01% variable APY (published rate effective September 18, 2026) | $15 for Total Checking, or $0 with a qualifying deposit, balance or linked-account waiver | 5 tiers | 7.5 | People who use branches and cash deposits and can meet a fee waiver | |
| Chase First Banking Checked 2026-10-12 | Kids & Teens | None | $0 | — | 7.5 | Existing Chase households introducing kids 6-12 to a first debit card | |
| Citizens Clearly Better Business Checking Checked 2026-10-12 | Business Checking | None | $0 | — | 7.5 | Northeast/Midwest businesses that want free, conditionless branch checking | |
| Current Current Account Checked 2026-10-12 | Checking | Adult Boost: 4.00% on up to $2,000 per Savings Pod ($6,000 total) with a $200+ eligible payroll deposit every 35 days, 0.25% otherwise; no earnings above the cap. Optional Current Max can add a separate savings boost. Teen Accounts are excluded; these are bonuses, not bank interest | $0 regular account fee; optional Current Max subscription has separate in-app pricing and terms | — | 7.5 | Younger users who want advances, credit building, and a starter savings rate in one app | |
| Fifth Third Momentum Checking Checked 2026-10-12 | Checking | None | $0 | — | 7.5 | Midwest and Southeast customers who want zero-fee checking with overdraft grace | |
| First Internet Bank Do More Business Checking Checked 2026-10-12 | Business Checking | 0.50% with a $10,000 average daily balance | $0 | — | 7.5 | Cash-free businesses that want a direct-charter online bank with no fees | |
| Found Business Banking Checked 2026-10-12 | Business Checking | None on the free tier; 1.50% up to $20,000 on Found Plus; 2.50% on all balances with no cap on Found Pro | $0 (free tier) | 3 tiers | 7.5 | Owners seeking integrated bookkeeping, tax estimates and optional Schedule C payment tools | |
| Huntington Personal Checking Checked 2026-10-23 | Checking | Asterisk-Free pays no interest; Perks 0.02% APY and Platinum Perks 0.03% APY; SmartInvest variable APY not verified | $0 Asterisk-Free; $10 Perks or $25 Platinum Perks before waivers; $0 SmartInvest while its relationship requirements are met | 4 tiers | 7.5 | Customers who want branch access and can choose a tier that matches their deposits and ATM use | |
| Lili Business Banking Checked 2026-10-12 | Business Checking | Savings pays 2.25% up to $500k and 4.00% on the portion from $500k to $1M (effective 1/13/2026) | $0 (Core) | 4 tiers | 7.5 | Solo owners who want tax automation plus accounting in one subscription | |
| North One Business Banking Checked 2026-10-19 | Business Checking | Up to 2.50% on Standard, up to 3.00% on Plus (activity requirements apply) | $0 (Standard) | 2 tiers | 7.5 | Service businesses that want free interest checking with envelope budgeting | |
| PNC Business Checking (Standard / Plus) Checked 2026-10-23 | Business Checking | None | $12 Standard or $22 Plus; waivable, with the first three statement cycles free | 2 tiers | 7.5 | Small businesses that can meet a fee waiver and use PNC branches or cash-deposit services | |
| Shopify Shopify Balance Checked 2026-10-12 | Cash Management | 2.52% rewards rate on balances (3.54% on Shopify Plus), accrued daily and paid monthly | $0 | — | 7.5 | Shopify merchants who want their payout float earning by default | |
| Square Square Checking Checked 2026-10-12 | Business Checking | None on checking; Square Savings pays 1.00%, or 4.25% with $10,000+ saved | $0 | — | 7.5 | Square sellers who want instant, free access to their sales | |
| Varo Bank Bank Account Checked 2026-10-12 | Checking | None on checking; Varo Savings pays 3.75% on the first $5,000 with qualifying activity and 1.00% otherwise | $0 | — | 7.5 | Small-balance savers who want fintech features backed by a real bank charter | |
| Vio Bank (MidFirst Bank) Cornerstone Money Market Savings Checked 2026-11-02 | Money Market | 3.40% (as of November 2026, cut from 3.45%) | $0 with e-statements ($5 paper statement fee otherwise) | — | 7.5 | Yield-first savers who don't need money-market access features | |
| USAA Classic Checking Checked 2026-10-23 | Checking | Variable interest on days with a daily ledger balance of $1,000 or more; current numeric APY not verified | $0 monthly service fee and no low-balance fee; optional-service and overdraft charges can apply | — | 7.3 | Eligible USAA members seeking no-monthly-fee spending and limited ATM-fee reimbursement | |
| Happen Bank (formerly LendingClub) LevelUp Checking (successor to Rewards Checking) Checked 2026-10-12 | Checking | 1.00% on balances of $2,500+; nothing below $2,500 | $0 | — | 7.2 | LendingClub borrowers and everyday debit spenders in the bonus categories | |
| Apple / Goldman Sachs Bank USA Apple Card Savings Checked 2026-11-02 | Savings | 3.50% (as of November 2026, up from 3.40%) | $0 | — | 7.0 | Apple Card holders compounding Daily Cash without leaving Wallet | |
| Bank of America Advantage Banking Checked 2026-10-23 | Checking | SafeBalance and Plus earn no interest. Relationship: public page displayed 0.01% APY below $50,000 and 0.02% at $50,000+, effective October 6, 2026. Variable; confirm the rate for your ZIP code. | $4.95 SafeBalance; $12 Plus; $25 Relationship. Each has separate waiver requirements. | 3 tiers | 7.0 | People who need local branch access and can meet a plan-specific fee waiver | |
| KeyBank Personal Checking Checked 2026-10-12 | Checking | None | $0 (both Key Smart and Hassle-Free) | 2 tiers | 7.0 | Customers in Key's footprint who want unconditionally free checking | |
| Novo Business Checking Checked 2026-10-12 | Business Checking | None | $0 | — | 7.0 | Freelancers and e-commerce sellers who invoice through Stripe | |
| PenFed Credit Union Access America Checking Checked 2026-10-12 | Checking | 0.05% on balances up to $50,000 with $500+ in monthly direct deposits | $15, waived with $500+ monthly direct deposit or $500+ daily balance | — | 7.0 | PenFed members consolidating around the credit union's loans and CDs | |
| PNC Virtual Wallet Checked 2026-10-23 | Checking | Base Spend pays no interest. Reserve, Growth and Performance Select Spend earn variable interest; check rates for your ZIP code. | $7 Virtual Wallet or $25 Performance Select before applicable waivers | 2 tiers | 7.0 | People who want PNC branch access and tools to separate spending, bills and savings | |
| Regions Business Checking (LifeGreen / Advantage / Business Interest) Checked 2026-10-23 | Business Checking | LifeGreen and Advantage do not earn interest. Business Interest Checking has a variable, balance-tiered APY; obtain your local rate from Regions | $12 (LifeGreen), $25 (Advantage), or $15 (Business Interest), waivable | 3 tiers | 7.0 | Businesses with a useful Regions location that can match item volume, cash deposits and waiver requirements | |
| TD Bank Business Checking (Convenience Plus / Interest Plus) Checked 2026-10-12 | Business Checking | None on Convenience Plus; Interest Checking Plus earns interest at modest tiered rates | $20 (Convenience Plus) or $15 (Interest Plus), waivable | 2 tiers | 7.0 | East Coast retail businesses that bank in person on evenings and weekends | |
| Truist Business Checking (Simple / Dynamic) Checked 2026-10-12 | Business Checking | None | $0 (Simple) or $25 (Dynamic), waivable | 2 tiers | 7.0 | Southeast businesses, especially cash-heavy ones that fit Dynamic | |
| U.S. Bank Bank Smartly Checking Checked 2026-10-23 | Checking | Variable, location-dependent rates; confirm the APY for your ZIP code | $12 per statement period; first two waived, then qualifying deposits, average balance, relationships, age/groups or Gold tier+ can waive it | 5 tiers | 7.0 | Customers who can waive the fee and use U.S. Bank branch, ATM or relationship benefits | |
| UFB Direct (Axos Bank) Portfolio Savings Checked 2026-11-02 | Savings | 3.26% variable base APY on all published balance tiers, confirmed November 2, 2026 | $0 | — | 7.0 | Savers who want an ATM card with online savings and will compare ongoing rates | |
| Wells Fargo Business Checking (Initiate / Navigate / Optimize) Checked 2026-10-23 | Business Checking | Initiate pays no interest; Navigate is interest-bearing (current APY unverified); Optimize offers an earnings allowance | $15 / $25 / $75; Initiate and Navigate have waiver options | 3 tiers | 7.0 | Businesses that need branches and can match a tier to their cash and transaction volume | |
| Cash App (Block, Inc.) Cash App Card + Savings Checked 2026-10-12 | Checking | None on spending balance; savings up to 3.5% with Cash App Green ($300/month qualifying deposits or $500/month card spend); base rate not shown on the official page | $0 | — | 6.5 | Heavy Cash App users who want their P2P balance to finally earn something | |
| Citi Regular and Access Checking Checked 2026-10-23 | Checking | Neither Regular Checking nor Access Checking earns interest | $15 Regular or $5 Access; qualifying deposits or a relationship tier can waive the fee. Regular deposit threshold rises January 1, 2027. | 2 tiers | 6.5 | People who want Citi branch and ATM access and can meet a monthly-fee waiver | |
| Citizens Personal Checking Checked 2026-11-02 | Checking | None advertised on One Deposit; Quest and Private Client rates vary by location | $9.99 (One Deposit), waived with any single deposit per statement period | 3 tiers | 6.5 | Northeast customers who want a branch account with zero fee anxiety | |
| M&T Bank Personal Checking Checked 2026-10-12 | Checking | None on EZChoice/Plus; token interest on MyChoice Premium | $0 (EZChoice) | 4 tiers | 6.5 | Northeast and Mid-Atlantic customers who want a free community-style branch account | |
| TD Bank Personal Checking Checked 2026-10-23 | Checking | Complete and Essential pay no interest; Beyond publishes 0.01% APY, variable | $4.95 Essential; $15 Complete; $25 Beyond before applicable waivers | 3 tiers | 6.5 | Customers with convenient TD locations and an account tier that fits their deposits and cash access | |
| Truist One Checking Checked 2026-10-23 | Checking | No interest at any Truist One Checking benefit level | $12 per statement cycle; waived through qualifying deposits, balances, linked relationships, student status or primary-owner age | 5 tiers | 6.5 | Customers who value Truist branch access and can meet a monthly-fee waiver | |
| Wells Fargo Personal Checking Checked 2026-10-23 | Checking | No interest on Clear Access or Everyday; Prime and Premier pay variable interest, but numeric rates were unavailable in the reviewed pages | $5 Clear Access; $15 Everyday; $25 Prime; $35 Premier. Each has fee-waiver conditions. | 4 tiers | 6.5 | People who use Wells Fargo branches and can consistently meet a fee-waiver condition | |
| Discover (now Capital One, N.A.) Online Savings Account Checked 2026-11-02 | Savings | 3.10% for accounts migrated to Capital One 360 Performance Savings (as of November 2026) | $0 | — | 6.0 | Existing Discover customers riding out the Capital One migration | |
| Regions LifeGreen Checking and Preferred Checked 2026-10-22 | Checking | None on LifeGreen/Now; location-dependent interest on Preferred | $8 with online statements or $11 with paper, waived by qualifying deposits or a $1,500 average balance | 3 tiers | 6.0 | Southerners who need branch access and can clear the direct-deposit waiver | |
| Discover (now Capital One) Cashback Debit Checked 2026-10-12 | Checking | None | $0 | — | 5.5 | Existing Discover checking customers riding it out until migration | |
| Milli (FNBO) Milli Savings Checked 2026-11-02 | Savings | Discontinued — Milli shut down November 15, 2024 | N/A (product discontinued) | — | 2.0 | No one — discontinued; see Pibank or EverBank for current rate leaders | |
| Laurel Road (KeyBank) High Yield Savings Official source unavailable; current terms withheld | Savings | Under review | Under review | — | — | Current recommendation withheld |
Using the bank account database
How can I compare bank accounts in this directory?
Search by bank or account name and filter by account type. Select Compare beside up to four accounts, then open Compare Accounts for a side-by-side view. Open each review for fee waivers, plan details, official sources and dated history.
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Some reviews cover several plans from one provider. Their fees, balance requirements and benefits can differ. A directory row summarizes the account family; open the review to see which plan a rate or fee applies to before choosing it.
Why are some rates, fees and ratings under review?
We withhold current financial claims when a record is overdue for a source check or its official source is unavailable. Those reviews remain searchable. Rating order puts recently checked records first and places under-review records afterward in name order; a recent editorial edit alone does not verify product terms.
Does this database include every bank account or only banks?
It includes the products Credit Compound tracks, not every account on the market. The directory also includes credit-union, fintech and brokerage products. Read the individual review for the actual provider, eligibility, ownership and deposit-insurance or investment-protection details. It does not list personal accounts held in your name.