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Checking 2000 Study
Bricks-and-clicks checking accounts:
It's where you live that counts

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

To go back to the Checking Study, click here.

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* 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.

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Checking and Savings
Compare today's rates
NATIONAL OVERNIGHT AVERAGES
Interest checking 0.48%
MMA 0.39%
$10K MMA 0.35%



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