Here’s a list of checking accounts offered by major U.S. banks. All of the accounts listed here are interest-bearing and ranked in terms of APY.
- Charter Bank Turbo Checking - 6.01% APY
Charter Bank Introduces TurboChecking 6.01% APY* on balances to $25,000 1.01% APY* on balances above $25,000 .25% APY* if requirements are not met No ATM Fees Nationwide Overdraft Privilege Free Online Bill Pay NOT an introductory offer! Earn 6.01% Annual Percentage Yield (rate of 5.84%) on your balances of $0 to $25,000, 1.01% Annual Percentage Yield (rate of 1.01%) on all amounts above $25,000, and .25% Annual Percentage Yield (rate of .25%) on all balances if the requirements are not met each statement cycle.To earn the 6.01% APY, you must: Make at least 10 debit card transactions monthly (excluding ATM transactions) Receive one direct deposit or ACH auto debit monthly Receive your monthly statement electronically (e-statement) Access on-line banking at least once a month - Provident Credit Union Super Reward Checking - 4.01% APY
Our newest checking account, Super Reward Checking offers all the best features you would want in a checking account and more, with no monthly service charge. This account rewards you for using the electronic convenience features that are benefits in and of themselves. Other features include:High Yield Dividends (currently 4.01% APY) on balances up to $25,000 Unlimited ATM use, with no Provident surcharge. ATM Surcharge Rebates: Up to $2.50 rebate per single transaction on any third-party surcharges at any ATM Free Overdraft Protection* No Fee travelers checks, money orders, and corporate checks You’ll receive the high dividends monthly, when the following requirements are met:**10 Check Card transactions per month (PIN- or signature-based, not including ATM transactions) Direct Deposit of your paycheck (at least monthly) or 1 ACH credit or debit per month E-Statements enrollment (you receive all your monthly statements through online banking) - E-Trade Bank High Yield Checking - 3.01% APY
Account Features Free, unlimited online bill payments Free ATM/Visa® Debit card Unlimited ATM fee refunds3 Online images of cleared checks, deposited checks, and deposit slips—now accessible indefinitely, for as long as you have your account Free initial checkbook order FDIC insurance to at least $100,000 Account Minimums $100 minimum initial deposit required $5,000 average monthly balance in the account required to avoid a fee. See other ways to avoid this fee below. Costs and Fees View all bank fees $15 for each month your account minimums are not met, unless you qualify for a fee waiver as described below. - Salem Direct eOne - 3.0%-3.5% APY
Start with the checking side of the equation. Salem Five Direct’s eOne account is loaded with features you get without a monthly fee, including:No minimum balance Free use of any ATM - No matter the location, Salem Five Direct will never charge a fee.* Free online bill payment First order of checks free Unlimited debit card, checking and ATM transactions Free debit cardAnd get a one-time $25 bonus when you enroll in direct deposit* - HSBC Direct Online Payment - 2.25% APY
Features: Online Banking No Minimums No Fees ATM*/Debit Card* Make purchases or get cash at more than 395,000 ATMs nationwide with a debit card. If you use a non-HSBC ATM in the U.S., we’ll reimburse the first 3 ATM surcharge/convenience fees each month. - Charles Schwab High Yield Investor - 2.01% APY
With High Yield Investor Checking, you get: 2.26% variable APY on every dollar in your account—regardless of your balance. 5 times higher than the national average APY. No minimum requirement. No monthly service charges. No catches. Gain these benefits with High Yield Checking: No ATM fees. If you are charged an ATM fee, Schwab Bank will reimburse you.2 Free online Schwab Bank Bill Pay. View Demo Free standard checks and a Visa® Platinum Check Card. Overdraft protection. FDIC-insured up to $100,000. - ING Direct Electric Orange - 1.74%-3.35% APY
MasterCard® Debit Card convenience. With your Electric Orange MasterCard® Debit Card you can make secure purchases anywhere MasterCard® is accepted – sign the receipt or enter your Card PIN and go. Free ATM access at more than 32,000 ATM locations. In addition to worldwide cash access, you can make free withdrawals at ATM locations in all 50 states through the Allpoint™ Network – America’s largest Surcharge–Free ATM Network. To find a free ATM near you, check out our ATM locator. Send money securely for free with Electric Checks. With Electric Orange, you can send money to an individuals’ bank account with Electric Checks for free. Simply enter the person’s information, the details of the payment, and an email will be sent to the recipient. The person can click on the link within the email to go to a secure page to enter their account information and the money is transferred! Automatic protection with your Overdraft Line of Credit. Say goodbye to excessive NSF fees charged by other banks. When you open your Electric Orange, you’ll automatically get an Overdraft Line of Credit that’s connected right to your Electric Orange and is accessed anytime your balance goes below $0.00. There’s no fee to use the line of credit – you’ll just pay a competitive interest rate on the money you need to borrow. - Ebank ePremium Checking - 1.0% APY
Free internet banking and bill payment Free telephone banking Free Unlimited Worldwide ATM usage; currency conversion fee may apply on ATMs in foreign countries Earn interest on your account balance Unlimited check writing and free ebank custom checks Free 3 x 5 safe deposit box or discount on a larger size Free debit card and no annual fee credit card Free traveler’s checks and free official checks Rate bonus of 1/4% on an ebank CD or IRA Rate discount of 1/4% on a personal loan with automatic payment from ePremium account No monthly fee if $2,500 minimum daily balance or $5,000 average daily balance is maintained. If balance requirement is not met, the monthly service fee is $10 Minimum opening deposit is $100. - UFB Direct Interest Checking - 1.0% APY
Earn an APY of 1.00% with a $500 deposit to an Interest Checking account. They come with no monthly maintenance fee. There is unlimited check writing and you can add an online bill paying service. All accounts come with an ATM/debit card, and ATM fees are reimbursed according to our worldwide ATM Reimbursement Policy. These accounts are FDIC insured for up to $100,000 per customer. - CitiBank Gold Interest Checking - 0.5%-1.0% APY
Citigold, our premium banking relationship, is designed to give you—and your finances—the special attention you deserve. Conveniently manage your banking, credit, investments, insurance and retirement information in one place with a Citigold account. And by linking it to a Smith Barney investments account, you have the resources to see a more complete financial picture—and develop a more comprehensive financial strategy.A $500 initial deposit opens your Citigold account. Within six months, the combined average balance of your linked eligible accounts has to be:$100,000 or more across all your linked Citi accounts OR $250,000 or more if your Citibank first mortgage is included in the total relationship. If you maintain the balances shown above, we’ll waive the $25 monthly service fee. - Chase Premier Platinum Checking - 0.4%-0.75% APY
Chase OnlineSM Banking # Free Online Banking and Bill Pay on Exclusive Premier Platinum Website # View Account Activity, Statements, Cancelled Checks and Transfer Funds # Free E-mail Alerts to Watch over Your Accounts Automatically # 24-Hour Access to Chase Accounts Minimum to Open $5,000 for primary account; $100 for additional linked accounts Interest Rate # Variable interest rate based on daily collected balance # Interest credited and compounded monthly # All balances earn interest. Higher rates may be paid for higher balances6. # Account fees could reduce your earnings. - Wachovia Crown Banking - 0.1%-2.3%APY
Meet any one of the average daily balance requirements below and pay no monthly service fee for Crown Banking: * $5,000 in checking, savings, and/or money market accounts or $4,000 with Direct Deposit * $10,000 combined in CDs, deposit IRAs, line of credit (line amount), credit card line, and/or outstanding installment loan balances Otherwise, a $20 monthly service fee will apply. - Washington Mutual Platinum Checking - 0.1%-2.3% APY
Free ATM cash withdrawals worldwide Free checks Free Platinum Debit MasterCard® with higher spending limits Fee-free Overdraft Transfer Service Free Identity Theft Services Discount of up to $300 on our regular closing costs when you get a new WaMu home loan! 25 Commission-free Online Equity Trades per year with WaMu Investments, Inc.! Open for as little as $1,000 by phone or at any Financial Center Maintain $10,000 in your Platinum Checking or combined with other linked accounts, loans, credit cards and investments to avoid a monthly service fee of $20.00 - Wells Fargo PMA Prime Checking - 0.05%-1.85% APY
Free Bill Pay Free checks (except Home Desk) No Wells Fargo access fees for ATM transactions8 Monthly combined statement Platinum Check Card No monthly service fee for each month the statement-ending balances in qualifying accounts total $25,000 or moreOtherwise, $25 - Bank of America Tiered Interest Checking - 0.05%-1.5%APY
Standard features Free Online Banking service with free Bill Pay Free wallet or duplicate style checks Free standard size safe deposit box rental where available No fee cashier’s check and travelers cheque services Check Enclosure or Check Safekeeping Free Bank of America Visa® Check Card with Total Security Protection® and Photo Security® Exclusive to Bank of America Prima® checking account customers-trade stocks online with Banc of America Investment Services, Inc. for $7 per trade.Monthly maintenance fee $20 Ways to avoid the monthly maintenance fee Meet one of the following balance requirements during each statement cycle: Maintain a minimum balance of $10,000 or more in your checking account Maintain a minimum combined balance of $10,000 in your checking account with a linked savings, Investment CD accounts and FDIC - insured IRA’s Minimum outstanding balance of $15,000 on an installment loan or line of credit A Bank of America mortgage balance of any amount Have a minimum combined balance of $15,000 in investment accounts with Banc of America Investment Services, Inc.®.
Last Update: 8/18/08