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Compare Personal Checking Accounts in Alabama

Compare rates on personal checking accounts in Alabama.. Our system checks the rates of many national banks as well as regional banks in Alabama every day to provide you with a single list of current interest bearing checking account rates in your area. If we have missed a local bank in your area please let us know by using the email link below.

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Deposit Amount | $1 $100,000
Currently Including:
186
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EverBankYield Pledge Checking - 6mo promo rate for new customers13 Reviews1.40%-$100k$70.00
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Bank5 ConnectBank5 Connect Checking5 Reviews0.76%$100-$38.00
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Bank of Internet USAHigh Interest Checking15 Reviews0.71%--$35.50
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Alliant Credit UnionHigh Rate Checking13 Reviews0.65%--$32.50
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FNBO DirectOnline Billpay4 Reviews0.65%-$1m$32.50
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Incredible BankIncredible Checking19 Reviews0.59%-$250k$29.50
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SouthCrest Bank, N.A. (Tyrone, GA)Celebration Checking0.55%--$27.50
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First Internet Bank of INInterest Checking1 Review0.55%$500-$27.50
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Five Star Credit UnionFive Star Level Checking0.50%--$25.00
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Mutual of Omaha BankOnline Advantage Checking1 Review0.50%$1,500$250k$25.00
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Clear Sky AccountsClear Sky Checking3 Reviews0.45%-$250k$22.50
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Guardian CU (AL)Premier Checking0.45%$5k-$22.50
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Security Bank (OK)Security Senior Checking0.45%--$22.50
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American BankAmerican e-Checking 3 Reviews0.40%-$10k$20.00
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AloStar Bank of CommerceInterest Checking 3 Reviews0.40%$500-$20.00
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Communitywide Credit UnionChecking Account0.30%$1k-$15.00
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Valley CU (AL)Daily Interest Checking0.30%--$15.00
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Virtual BankeChecking5 Reviews0.30%$2,500-$15.00
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Intervest National BankInterest Checking3 Reviews0.30%$2,500-$15.00
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Town-Country National BankNow Checking Account0.30%--$15.00
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MAX Credit UnionPerformance Check1 Review0.30%--$15.00
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National Bank of Kansas CitySilver Checking0.30%--$15.00
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OneUnited BankUNITY Gold Checking1 Review0.30%$100-$15.00
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Listerhill Credit UnionYoung At Heart Checking0.26%$100-$13.00
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Geauga Savings BankAdvantage Direct Checking1 Review0.25%$2k-$12.50
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Salem Five DirecteOne Checking10 Reviews0.25%-$1m$12.50
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Evantage BankEvantage Rewards Checking5 Reviews0.25%--$12.50
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Melrose Credit UnionEZ Checking15 Reviews0.25%$500-$12.50
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iGObankingiGOchecking15 Reviews0.25%--$12.50
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State Farm BankInterest Checking16 Reviews0.25%$2,500-$12.50
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First Bank of BoazInvestment Account0.25%$1k-$12.50
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Lake Michigan Credit UnionInvestors Checking Account36 Reviews0.25%$2,500-$12.50
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Northern Bank & Trust CompanyNorthern Premium Checking0.25%$5k-$12.50
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Peoples Exchange Bank of Monroe CountyPEB Super NOW Checking0.25%$2,500-$12.50
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Legacy Community Federal Credit UnionPremier Checking9 Reviews0.25%--$12.50
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Redneck BankRedneck Rewards Checking3 Reviews0.25%--$12.50
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AmericaNet BankRewards Checking13 Reviews0.25%--$12.50
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SouthFirst BankSolid Gold0.25%--$12.50
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First Southern Bank (AL)Southern Advantage Checking0.25%$2,500-$12.50
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Displaying 1-40 of 186 Results



Compare Personal Checking Accounts Trend

Personal Checking Accounts

They are available a dime a dozen – branded Gold, Silver, Green, High Interest, Free, Student, Sports Teams, etc. The vast majority of Americans have, at some point, opened a checking account at one of the 14,000+ banking institutions across the country. The plethora of choices represents features that accompany the core purpose of checking: to provide security for cash and easy access to it when needed to complete a transaction.

History of the Checking Account

Checking account history dates back several millennia, at least to the Roman Empire, when private bankers began holding public deposits in depositories. They did so in order to add leverage to the lending system, and paid depositors interest on the monies they held. However, because of the Romans’ general preference for cash transactions, and the controversial practice of charging interest on loans, the banking system didn’t develop into its modern form until the Medieval and Renaissance periods.

Benefits of a Checking Account

When individuals open a checking account and deposit money into it today, it is the equivalent of giving the bank or credit union a loan with which they in turn use in various ways to make a profit. On the other hand, because it is arguably the most accessible financial product to consumers, it helps individuals to establish good credit and build a relationship with a financial institution that could pay off in benefits down the road.

Checking Account Features

There are many credit unions and banks with free checking accounts that come with perks like online banking, personal checks, debit and ATM cards (with free ATM usage), Bill Pay, mobile deposit, free ACH transfers and Direct Deposit. You must read the fine print on any account before opening, however, as a free checking account will usually charge a monthly fee for not meeting various requirements like a minimum monthly balance, a particular number of required debit card transactions, etc. Most non-reward checking accounts, though, do not have strict requirements in this regard. Overdraft fees are also something to consider, as financial institutions are now required to ask you if you want to opt-in to their overdraft coverage.

Some financial institutions offer high interest checking accounts. Internet banks and credit unions usually offer the highest rates and, depending on your situation, could be a savings boon to you with little or no extra effort. The rate table above is the most comprehensive list of personal checking accounts available nationwide, with filters to help you navigate based on institution type and location.