- Last updated November 2025
Best Checking Accounts Of November 2025
Top checking accounts full of amazing features
✓ Low monthly fees or overdraft fees
✓ Easy 24/7 mobile access
✓ Large ATM networks
9.5
Chime
Fee-free overdraft up to $200*
Over 50k fee-free ATMs
- No monthly fees or minimums
- Get paid up to 2 days early with direct deposit
- Fee-Free Overdraft up to $200* with SpotMe®
- Live customer support 7 days a week
9.3
USAA® Classic Checking
No Monthly Service Fees.
- Over 100,000 no surcharge fee ATMs to choose from
- Get Paid Early: Payday comes up to two days sooner when you set up direct deposit
- Deposit products and services offered by USAA Federal Savings Bank, Member FDIC
8.7
Upgrade
The debit card with up to 2% cash back¹
- No monthly fees³
- Get paid up to 2 days early²
- No Overdraft Fees³
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Our Ratings:
The rating system for the best checking accounts consists of a combination of the following 3 components:
Customers prioritize accounts with low or no monthly maintenance fees, transparency and reasonableness of overdraft fees, and access to a wide network of fee-free ATMs or reimbursement for out-of-network ATM fees.
A strong presence of physical branches and ATMs is crucial for many customers, along with user-friendly and feature-rich online and mobile banking options that are essential for managing finances on-the-go. Additionally, quality and availability of customer support, including 24/7 helplines and live chat options, are important for users.
Some checking accounts offer interest on balances, adding extra value. Features such as cash-back rewards, budgeting tools, or integration with other financial products are appealing, and many customers prefer accounts with low or no minimum balance requirements.
Why Should You Open An Online Checking Account?
There are many reasons why you should open a checking account. For one, it can help you budget your money by allowing you to track your spending and income. Additionally, a checking account has various features and benefits, such as online banking, mobile banking, and overdraft protection. Plus, having a checking account can make it easier to pay bills and manage your finances. If you're looking for a way to simplify your financial life, a checking account may be the right choice.
Choosing an account with no or low fees is important because you want to avoid paying unnecessary charges. You'll also want to find an account that offers features that fit your lifestyle. For example, if you travel often, you may want an account that doesn't charge foreign transaction fees on its debit card. Or, if you're always on the go, you may want an account with mobile banking capabilities.
Once you've found the right account for you, open a checking account today and start enjoying the benefits it has to offer.
Which Account Type Is Right For You?
Top 5 Benefits Of Online Checking Accounts
Get Paid Early: With a checking account, you can get paid early
with a direct deposit. This means that you can get your paycheck a few days earlier than you would without a bank account. This means you can access your funds sooner to pay bills or make purchases.
Easier Payments: Most checking accounts come with a debit card. This means you can use your checking account to pay for groceries, gas, or online purchases. You can also set up automatic payments for rent or mortgage. Some debit cards also give you additional money back on everyday purchases.
Quickly Transfer Funds: With a checking account, you can quickly and easily transfer funds to another person or account. This can be helpful if you need to pay someone back or send money to someone else, like friends or family.
Access Your Money Easily: With a checking account, you can access your money through an ATM or debit card. This means you can get cash when needed or make purchases without carrying around a lot of cash.
Keep Your Money Safe: When you have a checking account, your money is kept in an FDIC-insured account. This means that your money is protected in the event of a bank failure. Generally, your funds will be protected up to $250,000
Disclosures
SoFi:
*SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
*Direct Deposit Promotion begins on 12/7/23 and will be available through 12/31/24. See full terms and disclosures at sofi.com/banking.