We analyze online checking 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 | Previous Award Winners

1. Best ATM-Friendly Free Checking Account

Radius Bank Radius Hybrid

A MyBankTracker Rating

High-yield checking. Free ATM access worldwide.

Best Feature: Higher than average interest rates for a checking account.

Radius Bank Logo

The Radius Hybrid is one of the best checking accounts with no fees, high-interest, and unlimited ATM fee refunds. Essentially, you can use any ATM for free. With all this, you even get to earn more interest than you would on most online savings accounts. You get the convenience of a checking account, enabling you to access your money whenever you need it. Meanwhile, you don’t have to get a separate account to grow your savings.

  • Earn

    Earn a high APY on the portion of the balance above $2,500

  • Fees

    No ATM fees on Radius ATMs, unlimited rebates for out-of-network ATMs

    No monthly maintenance fee

  • Benefits

    Access to an overdraft line of credit to avoid overdraft fees

    Radius Pay a Friend feature allows you to send money with ease

    Mobile app available on the Apple App Store and Google Play

2. Best Free Checking Account for High Interest Rates

Alliant Credit Union High-Rate Checking

A+ MyBankTracker Rating

Earn a competitive interest rate on all balances. Up to $20 per month in ATM fee refunds.

Best Feature: All-around great interest checking account.

Alliant Credit Union Logo

Alliant Credit Union takes home top awards for its high-rate checking account. While Alliant Credit Union isn’t the only bank to offer a high-rate checking account, it does deliver on a variety of quality features making this account even stronger. Alliant is one of the few banks that offer free checking accounts, require no monthly fee and no minimum balance to maintain to get the high rate. Additionally, you get up to $20 per month in ATM fee reimbursements. And all of this is available to nearly anyone - you can join Alliant Credit Union with a simple donation to Foster Care to Success.

  • Earn

    Earn 0.65% APY on all balances

  • Fees

    Get up $20 in ATM fee rebates per month

    Surcharge-free access to over 80,000 ATMs in multiple ATM networks

  • Benefits

    Anyone can join Alliant Credit Union with a one-time donation

    Alliant Budget & Planning Tool to help you manage your finances

    P2P allows you to send money to friends with ease

    Mobile app available on the Apple App Store and Google Play

3. Best Low-Cost High Rate Checking Account

Bank5 Connect High-Interest Checking

A+ MyBankTracker Rating

ATM reimbursements of up to $15/month. High rates. No monthly fee.

Best Feature: Combination of low-cost features with high rates.

Bank5 Connect Logo

Bank5 made our list of the best banks that offer free checking accounts largely due to it's low cost features. Bank5 offers no monthly fee and up to $15 per month in ATM fee reimbursements. The benefits are combined with highly competitive rates and low minimum balances ($100). On top of this great low-cost, high-interest checking, you can also earn rewards for using your debit card. All of this together makes this one seriously great checking account.

  • Earn

    Earn a 0.76% APY

    Use your debit card (signature purchase) and earn 1 point for every $2 spent

  • Fees

    No monthly fee or minimum balance requirements

    Get up to $15 in ATM fee refunds per month

    Overdraft fee is $15

  • Benefits

    Pay People allows you to send money to friends with ease

    Mobile app available on the Apple App Store and Google Play

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