Bricks-and-clicks checking accounts:
It's where you live that counts
• Bankrate.com

The chart below shows how checking account pricing and rates vary by region.

To go back to the Checking Study, click here.

* Annual percentage yield is represented by the heading APY in the table below.

Institution name telephone Account name type *APY Min. to open ($) Min. to avoid fees ($) Monthly fee ($) NSF ($) Checks returned (yes/no) Special notes Bank One, Ariz. All in One Cking 0.50% 100 7500 14.00 25.00 YES Monthly svc. fee reduced by $2 if checks are not returned. Phoenix only. Bank One, Wis. Classic One 1.00% 25 5000 12.00 22.00 YES Monthly svc. fee reduced by $2 if checks are not returned. Milwaukee only. Bank One Interest One Cking 0.9%- 1.01 25-100 1500 10.00- 18.00 22.00- 25.00 YES Monthly svc. fee reduced by $2 with direct deposit. Check imaging fee: $1.50 in chicago only. Bank One, Mich. Interest Plus Cking 1.00% 100 5000 10.00 25.00 YES Detroit only. Bank One, Texas Money Market Cking .50%- 1.00% 100 1500 11.00 25.00 YES TX only. Bank One Preferred One .90%- 1.25% 25-10000 2500-10000 11.00- 15.00 22.00- 25.00 YES Monthly svc. fee reduced by $2 if checks are not returned. Bank One, Illinois Renaissance Cking 1.01% 100 0 0.00 25.00 YES Check imaging fee: $1.50. Teller fee: 4 free, $1.50 thereafter. Chicago only. Bank One, Ariz. Value Cking w/ Interest 0.50% 500 2500 11.00 25.00 YES Monthly svc. fee reduced by $2 if checks are not returned; $500 bal to earn interest. Phoenix only Bank One, Illinois Bank One Choice Cking N/A 100 250 10.00 25.00 YES  Check imaging fee: $1.50. Teller fee: $3. Chicago only. Bank One Basic One Cking N/A 1-100 0-5000 3.00- 7.00 22.00- 25.00 NO or YES Fees vary with account. Ohio only. Bank One, Ohio Classic One Cking N/A 25 5000 12.00 25.00 YES Monthly svc. fee reduced by $2 if checks are not returned. Bank One Regular Cking N/A 100 750-800 6.50- 10.00 25.00 YES Fees vary by market. Bank One Value One Cking N/A 25-100 700 9.00- 10.00 22.00- 25.00 NO or YES Monthly svc. fee reduced by $2 if checks are not returned. Bank of America Advantage Cking 0.25% 100 5000-10000 15.00- 20.00 15.00- 20.00 YES Fees vary with account. Tiered NSF: varies by market. Bank of America First Choice Interest Cking 0.40% 100 1000 9.00 20.00 YES Monthly svc. fee reduced by $2 with direct deposit; reduced by $1 if checks are not returned. NSF: $22 if paid. Seattle only. Bank of America Interest Cking 0.25%- 0.40% 100 700-2000 8.00- 14.00 10.00- 29.00 YES Fees vary by state. Tiered NSF in some markets Bank of America Prima Cking 0.40% 100 10000 10.00- 22.00 10.00- 20.00 YES Fees vary by market. Tiered NSF varies by market. Bank of America Alpha Account N/A 100 0 12.00 10.00 YES Available in CA only. Tiered NSF Bank of America Economy Cking N/A 25-100 0 4.00- 8.00 15.00- 29.00 YES Tiered NSF in AZ and MO Bank of America Express Cking N/A 25 500 5.00- 7.00 15.00- 29.00 YES Fees vary by state. Tiered NSF in some markets Bank of America First Choice Minimum Balance Cking N/A 100 350 5.50 20.00 YES Monthly svc. fee reduced by $2 with direct deposit; reduced by $1 if checks are not returned. Per item fee: $.20 if below min. bal. NSF: $22 if paid. Seattle only. Bank of America First Choice Versatel Cking N/A 100 0 1.00 20.00 YES Monthly svc. fee reduced by $1 if checks are not returned. Teller fee: $3. NSF: $22 if paid. Seattle only. Bank of America Flat Fee Cking N/A 100 0 7.00- 8.00 20.00 YES Fees vary by state. Tiered NSF. Bank of America Personal Cking N/A 100 500 6.50 20.00 YES NSF: $22 if paid. Portland, Ore. only. Bank of America Regular Cking N/A 100 500-750 8.00- 12.00 15.00- 29.00 YES Fees vary by state. Tiered NSF in some markets Bank of America Standard Cking N/A 100 1000 10.50 10.00 YES Available in CA only. Tiered NSF Bank of America Versatel Cking N/A 100 0 1.00- 7.50 10.00- 20.00 YES Fees vary by market. Tiered NSF varies by market. Chase Manhattan Bank Better Banking w/ Interest 0.50%- 0.75% 1-100 3000 10.00- 11.00 25.00 YES Pricing varies from TX to NY. Tiered NSF in NY. Chase Manhattan Bank Better Banking Cking N/A 1-100 2000-3000 9.50- 10.00 25.00 YES Pricing varies from TX to NY. Tiered NSF in NY. Chase Manhattan Bank Lifeline Cking N/A 1-100 0 4.00- 9.50 25.00 YES Pricing varies from TX to NY. Tiered NSF in NY. Chase Manhattan Bank Self Service N/A 1 1500 9.50 25.00 YES Tiered NSF: $25 for 1-5; $30 for 6+. Check imaging available. Citibank Interest Cking 0.50%- 1.01% 1-500 6000 12.00- 12.50 30.00 YES Per item fee waived with balance of $6000. Citibank Basic Banking N/A 1-100 0-10000 6.50- 10.00 30.00 NO or YES Fees very depending on market Citibank EZ Cking N/A 1-500 1500 7.50 30.00 NO Direct Deposit required. Citibank Regular Cking N/A 1-500 6000 9.50 30.00 YES Per item fee waived with balance of $6000. First Union Custom Banking 1.25%- 1.50% 2500 2000-4000 15.00 29.00- 30.00 YES Fees vary by market. First Union Interest Cking 0.35%- 0.90% 50-100 1000-1500 10.00- 14.50 29.00- 31.00 YES Fees vary by market. First Union Resource Banking 0.35%- 0.90% 50-100 3000 15.00- 15.50 30.00- 31.00 YES Fees vary by market. First Union Express Cking N/A 50-100 0 2.00- 5.50 29.00- 31.00 NO Fees vary by market. First Union No Minimum Cking N/A 1-50 0 4.00- 7.00 29.00- 31.00 NO Photocopy fee: 4 free, $5 thereafter. First Union Personal Cking N/A 50-100 500-850 9.00- 10.00 29.00- 31.00 YES Fees vary by market Fleet Bank Fleet One Classic w/ Interest 0.50% 50 2500-3000 10.00 22.00- 30.00 YES Monthly svc. fee reduced by $2 with direct deposit. Other account conditions vary by market Fleet Bank Basic Cking N/A 25-50 0 2.50- 4.00 22.00- 30.00 YES Fees vary by market. Fleet Bank Fleet One Classic Cking N/A 50 1500-2500 9.50- 10.00 25.00 YES Monthly svc. fee reduced by $2 with direct deposit. Per item fee below min balance. Boston and Buffalo only. Fleet Bank Self Service N/A 50 0 7.00 22.00- 30.00 NO Monthly svc. fee reduced by $2 with direct deposit. Teller fee: $2. U.S. Bank Interest Cking 0.75%- 1.00% 100 1000-1500 9.00- 11.00 18.00 YES Fees vary by market. Tiered NSF varies by market. U.S. Bank Preferred Cking 0.75%- 1.00% 100 5000 10.00- 15.00 18.00 YES Tiered NSF varies by market. U.S. Bank Express Cking N/A 100 0 0.00 18.00 NO Svc Fee of $3.50 per month if a teller is used. NSF: $28 if paid in all markets except $25 if paid in Seattle. U.S. Bank Standard Cking N/A 100 300-750 7.00- 10.00 18.00 YES Fees and NSFs vary by market U.S. Bank Value Cking N/A 100 0 7.00 18.00 YES Tiered NSF varies by market. Monthly service fee waived with direct deposit and check safe-keeping. Wachovia Bank Interest Cking 0.40%- 0.70% 100 700-1000 12.00- 14.00 28.00 YES Fees vary by market. Monthly svc fee reduced by $2 with direct deposit. Wachovia Bank Access NOW Cking N/A 100 0 10.00 28.00 YES Monthly svc fee can be $0. 2 or less teller visits reduces the fee by $6; direct deposit reduces the fee by $2; check safekeeping reduces the fee by $2. Wachovia Bank Economy Cking N/A 100 0 6.00- 7.00 28.00 YES Fees vary by market. Monthly svc fee reduced by $2 with direct deposit. Wachovia Bank Regular Cking N/A 100 500-750 10.00- 12.50 28.00 YES Fees vary by market. Monthly svc fee reduced by $2 with direct deposit. Washington Mutual Bank Interest Cking 1.00%- 1.01% 1-1500 100-2000 8.00- 12.00 18.00- 29.00 YES Fees vary by market Washington Mutual Bank Free Cking N/A 1 0 0.00 18.00- 29.00 YES NSF fees vary by market Washington Mutual Bank Gold Cking N/A 100 0 6.00 18.00- 29.00 YES NSF fees vary by market Wells Fargo Bank Advantage Cking 0.40%- 0.75% 100-500 3500-5000 10.00- 17.00 25.00 YES Fees vary by market. Wells Fargo Bank Advantage Plus Cking 0.50%- 0.80% 100 10000 12.00- 19.00 25.00 YES Fees vary  by market. Wells Fargo Bank Stagecoach Interest Cking 0.40%- 1.01% 1-100 100-2000 10.00- 13.00 15.00- 28.00 YES Fees and NSFs vary by market Wells Fargo Bank ATM Cking N/A 1-50 0 5.25- 8.00 15.00- 28.00 YES Fees and NSFs vary by market Wells Fargo Bank Custom Access N/A 1-100 0 2.00- 10.00 15.00- 28.00 YES Fees and NSFs vary by market Wells Fargo Bank Free Cking N/A 100 0 5.00 25.00 YES Tiered NSFs vary by market Wells Fargo Bank Stagecoach Cking N/A 1 500-1000 8.00- 11.50 15.00- 28.00 YES Tiered NSFs vary by market

Although the rates reported here have been obtained from the financial institutions themselves, the accuracy of the information cannot be guaranteed by the publisher. Rates are subject to change without notice. Mergers may affect online fees and service. Contact the bank for more information.