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Maximize your checking: Compare high-yield checking accounts, no-fee checking accounts and more.

Explore checking basics

A woman uses mobile banking while eating.
From no fees to online bill pay, here are the must-have checking account features.
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If you overdraw your account frequently, then overdraft protection could be a good way to avoid hefty overdraft fees.
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Checks aren’t as ubiquitous as they once were, but you may still have to write one.

Get started with a checking account

Checking

Types of checking accounts

Whether you’re making payments online, using a debit card, or writing a physical check, a checking account is a necessity for most people. Here are some of the most-widely available types of checking accounts offered at banks and credit unions.

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Checking

Available balance vs. current balance

Learn about the two separate balances you may see when looking at your bank account.

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Checking account fees

Learn about the different kinds of checking account fees and what you can do to avoid them.

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Checking

Bank account alerts to protect your money

Explore the types of bank account alerts you can set up to help you stay informed about your finances whenever and wherever you are.

 

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Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team
Greg McBride

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Chief Financial Analyst

Sarah Foster

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Principal U.S. Economy Reporter

Mark Hamrick

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Senior Economic Analyst

Latest articles

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A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Those who apply for this account sometimes have past issues such as an unpaid [...]
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Here are top accounts for features like ATM fee waivers, overdraft forgiveness and more.
Capital One Bank signage in New York City
Banks are cutting overdraft fees in response to consumers and regulators’ demands.
Spend money, pay bills, write checks or make fund transfers with a checking account.
close up of hands writing a check
Consumers without a bank account face hurdles when trying to cash a check.
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Learn the key characteristics of certified checks and how they differ from other types of payments.
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Knowing your limit before making a purchase can help you make smarter decisions.
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Finding the account number on a check is easy — if you know where to look.
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Comparing savings rates can ensure you get the best return on your savings.
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Get the latest rates on top-yielding money market accounts.
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With a bit of planning, you can reduce your grocery bill. Here’s how.
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Learn how to earn the highest interest rates on a savings account.
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Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.
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Here’s how multiple savings accounts can help you reach your financial goals.
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Top savings APYs remain above 4%, with plenty of account options to choose from.
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The best savings accounts for teenagers offer competitive rates and charge no fees.
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Evaluate the benefits and drawbacks to decide if a credit union is right for you.
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There are banks aligned with political values, faith and causes. Here’s how to choose.
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These tips can help you manage your money more wisely and make you a bit richer.
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Every financial decision you make is impacted by the Federal Reserve.
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Looking to use Zelle for a transfer? Here are the Zelle limits at various banks.
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Several banks are offering high-yield savings accounts well above 4 percent APY.
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Tariffs haven’t created much inflation. You still won’t hear the Fed say all clear.
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More than half of Americans also say the U.S. economy is on the wrong track.
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