Bank Accounts
Every account we track — consumer checking, high-yield savings, business banking, cash management and kids accounts — with the fees, APYs, plan tiers and fine print that decide where your money should live. Chasing a payout instead? See bank bonuses.
Best Business Checking Accounts
The strongest operating accounts across fintech and branch banking, ranked.
Best High-Yield Savings Accounts
The top rates worth trusting, ranked by yield and rate-keeping track record.
Best Free Checking Accounts
Truly free checking: no monthly fee, no minimum balance, no waiver gymnastics, no fine print.
Best Online Banks
Full-service online-first banking, judged on checking and savings strength together.
Best Bank Accounts for Startups
Banking built for funded companies: free wires, real yield, and software that scales.
Best Kids and Teen Bank Accounts
From a first debit card at 6 to a teen-owned brokerage at 13, the accounts for kids and teenagers that grow up well.
Best Cash Management Accounts
Brokerage-grade cash accounts that out-pay, out-insure, and out-move regular banks.
Best Business Bank Accounts for LLCs
The right operating accounts for solo and small LLCs, from tax automation to branch access, re-verified September 2026.
| Account | Type | APY | Monthly Fee | Plans | Rating | Best For | |
|---|---|---|---|---|---|---|---|
| Charles Schwab Schwab Bank Investor Checking | Checking | 0.45% | $0 | — | 9.5 | International travelers and anyone who hates ATM fees on principle | |
| SoFi Checking and Savings | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Ally Bank Spending Account | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Capital One 360 Checking | Checking | 0.10% on all balances | $0 | — | 8.5 | Anyone who wants a free primary checking account and doesn't need branches | |
| Alliant Credit Union High-Rate Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Axos Bank Axos ONE (successor to Rewards Checking) | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Navy Federal Credit Union Free Easy Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Chime Checking Account | Checking | None on checking; linked savings pays 0.75% base, 2.75% with Chime Plus, or 3.75% with Chime Prime | $0 (all tiers, including Prime) | 3 tiers | 7.8 | Paycheck-to-paycheck banking with real overdraft and advance tools | |
| OnePay (formerly ONE) OnePay Cash | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Upgrade Rewards Checking Plus | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Betterment Checking | 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 | |
| Chase Personal Checking | Checking | None on Total/Secure; 0.01% on Premier Plus | $15 (Total Checking), waived with $500 direct deposit or $1,500 balance | 5 tiers | 7.5 | People who want a branch on every corner and a recurring bonus machine | |
| Huntington Personal Checking | Checking | None on Asterisk-Free; 0.02-0.03% on Perks tiers | $0 (Asterisk-Free) | 4 tiers | 7.5 | Midwest customers who want free checking with real overdraft forgiveness | |
| Fifth Third Momentum Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Current Current Account | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Varo Bank Bank Account | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| USAA Classic Checking | Checking | Interest applies on daily ledger balances of $1,000+; verify the current numeric APY with USAA | $0 | — | 7.3 | USAA insurance members who want banking under the same roof | |
| LendingClub Bank LevelUp Checking (successor to Rewards Checking) | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Bank of America Advantage Banking | Checking | None on SafeBalance/Plus; variable interest on Advantage Relationship, with the current rate unavailable online at review time | $12 (Advantage Plus), waived with $250 direct deposit or $1,500 balance | 3 tiers | 7.0 | Anyone willing to consolidate qualifying balances at Bank of America and Merrill for BofA Rewards | |
| U.S. Bank Bank Smartly Checking | Checking | ZIP-specific tiered rates; numeric APY requires a location selection | $12, waived with $1,500 monthly direct deposits, a $1,500 average balance, eligible relationships, qualifying age, or Gold tier+ | 5 tiers | 7.0 | Smartly Visa holders and Midwest/West customers building a relationship | |
| PNC Virtual Wallet | Checking | None on base Spend; token interest on Performance tiers and Growth account | $7 (base), waived with $500 direct deposits or $500 combined balance | 3 tiers | 7.0 | Budget-minded branch bankers who want overdraft protection done right | |
| KeyBank Personal Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| PenFed Credit Union Access America Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Wells Fargo Personal Checking | Checking | None on Clear Access/Everyday; variable interest on Prime/Premier, with current rates unavailable online at review time | $15 (Everyday), waived with $1,500 daily balance, $500 in qualifying electronic deposits, $5,000 linked balances, qualifying military direct deposit, or primary owner age 17-24 | 4 tiers | 6.5 | Branch loyalists who want coast-to-coast coverage and the occasional bonus | |
| Citi Checking | Checking | No APY advertised for Regular or Access Checking; linked savings rates vary | $15 (Regular Checking), waived with $250+ in enhanced direct deposits | 5 tiers | 6.5 | Big-metro residents and anyone with $200k+ who wants Citigold perks | |
| TD Bank Personal Checking | Checking | None on Complete/Essential; 0.01% APY on Beyond | $15 (Complete), waived with $500 direct deposits or $500 balance | 3 tiers | 6.5 | East Coasters who actually visit branches and value weekend hours | |
| Truist One Checking | Checking | None | $12, waived through qualifying deposits, balances, relationships, student status, or age | 5 tiers | 6.5 | Southeast banking customers who run lean balances and hate overdraft fees | |
| Citizens Personal Checking | 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 | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Cash App (Block, Inc.) Cash App Card + Savings | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Regions Personal Checking | 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 | Checking | Under review | Under review | — | — | Current recommendation withheld |