Ranked by a year’s cost or pay, for an everyday customer

Checking accounts

Checking accounts ranked by what they cost or pay in a year for an everyday customer: fees after any waiver you’d meet, interest, and any bonus. Each row links the bank’s own page.

Data as of Nov 8, 2026Updated Nov 8, 2026

Bank bonuses Find the bonuses you can get

SoFi Checking AccountSoFi Bank · source · checked Nov 8, 2026$400 bonus: not met by this customer+$25 if a current customer refers you (SoFi Bank Referral Program)A year, everyday customer: $94FeeNoneTo openNot statedBonusNone
MyDesign CheckingLangley · source · checked Nov 8, 2026A year, everyday customer: $75FeeNoneTo openNot statedBonusNone
HIGH YIELD CHECKINGWashington Trust Bank · source · checked Nov 8, 2026A year, everyday customer: $66Fee$12.50a monthTo open$50BonusNone
Max-Rate Checking AccountMorgan Stanley Private Bank · source · checked Nov 8, 2026A year, everyday customer: $40FeeNoneTo openNoneBonusNone
Simple Checking AccountApple Bank · source · checked Nov 8, 2026A year, everyday customer: $20FeeNoneTo open$100BonusNone
American Express Rewards CheckingAmerican Express National Bank · source · checked Nov 8, 2026$300 bonus: not met by this customerA year, everyday customer: $20FeeNoneTo openNoneBonusNone
Consumer Interest CheckingConnectOne Bank · source · checked Nov 8, 2026A year, everyday customer: $20Fee$10a monthTo open$1,000BonusNone
Interest CheckingBankers Trust Company · source · checked Nov 8, 2026A year, everyday customer: $14Fee$15a monthTo open$1,500BonusNone
Totally Free CheckingMidland States Bank · source · checked Nov 8, 2026Bonus also requires: Promo code BANKGIFT must be provided at account opening.; Promotion valid October 1, 2026 through January 4, 2027.; Limit one eGift Card per person during the full promotional perA year, everyday customer: $0FeeNoneTo open$50Bonus$25first year
Provident Smart CheckingProvident Bank · source · checked Nov 8, 2026A year, everyday customer: $10FeeNoneTo open$50BonusNone
Interest Checking AccountPinnacle Bank · source · checked Nov 8, 2026A year, everyday customer: $7Fee$15a monthTo open$100BonusNone
Flagship CheckingNavy Federal Credit Union · source · checked Nov 8, 2026Membership limited: employer, family, militaryA year, everyday customer: $7Fee$10a monthTo openNoneBonusNone
Tailored CheckingHappen Bank · source · checked Nov 8, 2026A year, everyday customer: $5Fee$10a monthTo open$100BonusNone
Ascend CheckingAmerican Airlines · source · checked Nov 8, 2026A year, everyday customer: $5FeeNoneTo openNot statedBonusNone
Online Checking AccountAmalgamated Bank · source · checked Nov 8, 2026A year, everyday customer: $5FeeNoneTo open$100BonusNone
EverBank Performance CheckingEverBank · source · checked Nov 8, 2026A year, everyday customer: $5FeeNoneTo open$100BonusNone
UCheckingAmerican Airlines · source · checked Nov 8, 2026Also at this rate: Flagship CheckingA year, everyday customer: $5FeeNoneTo openNot statedBonusNone
Free PFFCU CheckingPolice & Fire · source · checked Nov 8, 2026A year, everyday customer: $5FeeNoneTo openNot statedBonusNone
Smart Checking PlusRoyal · source · checked Nov 8, 2026Membership limited: association, employer, family, geography, organization, otherA year, everyday customer: $5Fee$10a monthTo openNoneBonusNone
Smart CheckingRoyal · source · checked Nov 8, 2026Membership limited: association, employer, family, geography, organization, otherA year, everyday customer: $5FeeNoneTo openNoneBonusNone
PROGRESA ACCOUNTOriental Bank · source · checked Nov 8, 2026A year, everyday customer: $4Fee$5a monthTo open$100BonusNone
Choice CheckingWoodforest National Bank · source · checked Nov 8, 2026A year, everyday customer: $3Fee$7.50a monthTo open$25BonusNone
Simple CheckingCambridge Savings Bank · source · checked Nov 8, 2026A year, everyday customer: $3FeeNoneTo open$10BonusNone
Checking PlusSouthside Bank · source · checked Nov 8, 2026A year, everyday customer: $2Fee$9a monthTo openNot statedBonusNone
Extreme CheckingStock Yards Bank & Trust Company · source · checked Nov 8, 2026A year, everyday customer: $2Fee$5a monthTo open$50BonusNone
Regular CheckingCommunity First · source · checked Nov 8, 2026A year, everyday customer: $2Fee$5a monthTo open$5BonusNone
STAR PLUS CHECKINGTexas Capital Bank · source · checked Nov 8, 2026A year, everyday customer: $2FeeNoneTo openNot statedBonusNone
Spending AccountAlly Bank · source · checked Nov 8, 2026$300 bonus: not met by this customerA year, everyday customer: $2FeeNoneTo openNoneBonusNone
STAR CHECKINGTexas Capital Bank · source · checked Nov 8, 2026A year, everyday customer: $2FeeNoneTo openNot statedBonusNone
Complete CheckingOriental Bank · source · checked Nov 8, 2026A year, everyday customer: $2Fee$2a monthTo open$250BonusNone
America's Best CheckingBell Bank · source · checked Nov 8, 2026A year, everyday customer: $2FeeNoneTo open$50BonusNone
Beacon One CheckingBeacon Bank and Trust · source · checked Nov 8, 2026Promotional rate, lasts 24 monthsA year, everyday customer: $2FeeNoneTo open$10BonusNone
Rewards CheckingUniversity Of Wisconsin · source · checked Nov 8, 2026Membership limited: geography, otherA year, everyday customer: $2FeeNoneTo openNoneBonusNone
Money Market CheckingAmerica First · source · checked Nov 8, 2026Membership limited: militaryA year, everyday customer: $2FeeNoneTo open$10,000BonusNone
Performance Plus CheckingColumbia Bank · source · checked Nov 8, 2026A year, everyday customer: $1Fee$20a monthTo open$0.01BonusNone
InvestmentPlus CheckingBankPlus · source · checked Nov 8, 2026A year, everyday customer: $1Fee$8a monthTo open$1,000BonusNone
CheckingBoeing Employees · source · checked Nov 8, 2026Membership: open to anyoneA year, everyday customer: $1FeeNoneTo openNoneBonusNone
Digital Personal Interest CheckingCathay Bank · source · checked Nov 8, 2026A year, everyday customer: $1Fee$15a monthTo open$2,000BonusNone
Military CheckingFarmers and Merchants Bank of Long Beach · source · checked Nov 8, 2026A year, everyday customer: $1FeeNoneTo open$100BonusNone

Show the top 40Show the top 10

The top 40 of the 1043 accounts we rank. Sorted by yearly value for $2,000 kept, with no direct deposit, over a year. A bank’s accounts at the same rate share one row. Membership limits and promotional rates are shown on the row, never hidden behind it. Rates change often; the bank’s own page is the final word.