Checking Account Rates

Saturday, August 17, 2019   Bankrate regularly surveys approximately 4,800 banks and credit unions in all 50 states to provide you with one of the most comprehensive comparisons of rates. All of the checking accounts below are insured by the FDIC at banks or the NCUA at credit unions.

Here are the best checking accounts of 2019

What to know about checking accounts

  • What is a checking account?

  • Why sign up for a checking account?

  • Benefits of opening a checking account online

  • Can checking accounts earn interest?

  • How does a checking account differ from a savings account?

  • Are checking accounts free?

  • What is a fresh start checking account?

  • Potential limitations on getting a checking account

  • What to know about minimums and fees

Checking Account Details Glossary

  • Minimum Balance to Open

  • Monthly Fees

  • Overdraft/Non-Sufficient Funds (NSF) Fees

  • Minimum Balance to Avoid Fees

  • Fees to Use Another Bank's ATM

Checking Resources

How safe is your bank?

Use Bankrate's Safe & Sound ratings to check the financial health of a bank or credit union before you open an account.