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Standard Checking Accounts

Compare personal checking accounts from banks and credit unions. In addition to reviewing the various checking accounts available to you in the below rate table results, you may also want to read about some of the history, features, and benefits of this type of product that we have outlined below. You may also want to view our list of reward checking accounts, which offer significantly higher rates on average, but do have minimum usage requirements.
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SimpleChecking Account + Protected Goals Account*
MemoryBankEarnMore Checking Account24 Reviews
North Country Savings BankNCSB Premium Rewards Checking5 Reviews
Axos BankRewards Checking - 3 Qualifications14 Reviews
McGraw Hill FCUS3 Checking Prime
Langley FCUPlatinum Checking2 Reviews
Radius BankRadius Hybrid Checking40 Reviews
FNBO DirectOnline Checking Account19 Reviews
TIAA BankYield Pledge Checking - Ongoing Rates17 Reviews
Amalgamated BankGive-Back Checking
Ally BankInterest Checking Account686 Reviews
Century Bank DirectHigh Interest Checking
PenFed Credit UnionAccess America Checking148 Reviews
AFFCUElite Checking
Garden Savings FCUSenior Advantage Checkinig3 Reviews
Charles Schwab BankHigh Yield Investor Checking76 Reviews
Hanscom FCUPremier Checking3 Reviews
OneUnited BankUNITY E-Gold Checking3 Reviews
Lake Michigan Credit UnionInvestors Checking Account63 Reviews
MyCBBMyCBB Free Checking2 Reviews
MTC FCUDividend Checking
United States Senate FCUGold Source Checking Share Account 8 Reviews
SCE FCURewards Checking1 Review
Utah First FCUDividend Checking3 Reviews
INOVA FCUElite Checking31 Reviews
Hyperion BankHyperFree Checking

Displaying 1-40 of 146 Results

Standard 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.

Checking Accounts Rate History – Average APY (%) Rate Trend over Time

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 standard checking accounts available nationwide, with filters to help you navigate based on institution type and location.

* The APY (Annual Percentage Yield) shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.