Best Free Checking Accounts in USA

14. Wealthfront: Cash Account

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13. Varo: Bank Account

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12. M1 Finance: M1 Spend

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11. Lili

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10. Bank5 Connect: High-Interest Checking

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9. Chime: Spending Account

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8. Charles Schwab Bank: High Yield Investor Checking

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7. Huntington Bank: Asterisk-Free Checking

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6. Ally Bank: Interest Checking Account

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5. Axos: Rewards Checking

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4. Aspiration: Spend & Save

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3. Alliant Credit Union: High-Rate Checking

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2. Capital One: 360 Checking Account

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1. Discover: Cashback Debit Checking Account

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Best Free Checking Accounts in USA

14. Wealthfront: Cash Account

– Thanks to its behind-the-scenes partnerships with banks, the account comes with up to $1 million in FDIC insurance

13. Varo: Bank Account

High savings APY for balances up to $5,000: 2.00% APY

12. M1 Finance: M1 Spend

– At its best, M1 plays the role of a financial advisor, lender, and banker all at once

11. Lili

– Real-time expense management through simple swipes

10. Bank5 Connect: High-Interest Checking

– Cash back on your debit card purchases in addition to the APY on your deposits

9. Chime: Spending Account

– Direct deposits arrive up to 2 days early

8. Charles Schwab Bank: High Yield Investor Checking

– Tied for the top spot in J.D. Power’s 2022 U.S. Direct Banking Satisfaction Study

7. Huntington Bank: Asterisk-Free Checking

$36, up to 4 fees per day

6. Ally Bank: Interest Checking Account

up to 0.25% APY

5. Axos: Rewards Checking

– Multiple customer support channels: 24/7 phone line, online chat and messaging, Twitter

4. Aspiration: Spend & Save

They have two tiers: a Plus account that costs $15 each month and a basic account which has a “pay what you think is fair” model, even if it’s $0.

3. Alliant Credit Union: High-Rate Checking

– Broad range of accounts and products

2. Capital One: 360 Checking Account

$35, up to four fees per day

1. Discover: Cashback Debit Checking Account

– Never pay a monthly maintenance fee, overdraft fee, or insufficient funds fee