We analyze online bank accounts in the U.S. to uncover which have the best earnings, benefits, and the lowest fees. Learn more about our methodology here. Bank awards methodology

1. Best Midwestern Bank for Low Fees

Huntington Bank

B+ MyBankTracker Rating

Competitive rewards. Long hours. Extensive product offerings.

Best Feature: Extra business day to avoid overdraft fees

Huntington Logo

Huntington Bank is a top bank in the Midwest because of its well-rounded list of great products and services, large physical presence, and intuitive mobile apps. Two noteworthy products include a free checking account and a credit card that lets you choose the bonus rewards category. To help you minimize fees, Huntington offers a 24-hour grace period to avoid overdraft fees. You have more time to bring your account back to the positive - and they accept all day deposits so you won’t be held back by branch closing times.

  • Earn

    Customizable Huntington Voice credit card offers triple rewards on your preferred spending category

  • Fees

    Asterisk-Free checking account doesn’t have monthly fees or balance minimums

    Free overdraft protection transfers

  • Benefits

    Get an extra day to avoid overdraft fees

    Live chat customer service support

    Mobile app available on the Apple App Store and Google Play

2. Best Midwestern Bank for Convenience

First Midwest Bank

B MyBankTracker Rating

Access to more than 50,000 ATMs. Fee-free accounts.

Best Feature: Access to more than 55,000 surcharge-free ATMs

First Midwest Bank Logo

First Midwest Bank wins because it prides itself on making it easy for customers to get to their funds. First Midwest Bank offers a free checking account and outstanding ATM access, thanks in part to its partnership with the Allpoint ATM network of more than 55,000 ATMs worldwide. Adding even more to this convenience is a low-cost secured credit card, a great feature for anyone looking to build or rebuild their credit.

  • Earn

    Tuition Rewards program lets you earn rewards to reduce tuition cost at participating institutions

  • Fees

    Surcharge-free access to 55,000 Allpoint ATMs

    Simply Free checking account never carries a monthly fee

    Low annual fee on its secured credit card

  • Benefits

    Free access to FICO credit scores with all First Midwest credit cards

    Mobile app available on the Apple App Store, Google Play, and for Amazon

3. Best Midwestern Bank for Low-Cost Products

TCF National Bank

B MyBankTracker Rating

Free checking and access to The Financial Fitness Program

Best Feature: Focus on financial wellness and literacy

TCF Bank Logo

TCF National Bank is on a mission to make financial products available to everyone. It delivers on that promise through offering a free checking account, a secured credit card, and prepaid card. Financial literacy is also very important to TCF as seen by its financial education program, which is a comprised of short courses on financial literacy. There is also a program for teens.

  • Earn

    TCF Elite Savings account offers a high promotional APY on balances of $10,000 to $1,000,000

    Competitive interest rates on promotional CDs available only in-branch

  • Fees

    Free checking is available

    Low-cost prepaid account with branch access for people who cannot get a traditional checking account

  • Benefits

    Free monthly FICO credit scores with every TCF credit card

    TCF Secured Visa card can help you qualify for an unsecured card in 11 months

    Access to the free TCF Financial Fitness program

    Mobile app available on the Apple App Store and Google Play Store

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