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 Checking Account for Cash Management

Fidelity Investments Cash Management Account

B+ MyBankTracker Rating

Unlimited ATM reimbursements. Free checks. Strong financial health.

Best Feature: Unlimited ATM fee refunds and checks.

Fidelity Investments Logo

Fidelity is taking home top honors for its cash management account. With the Fidelity Investments Cash Management Account, you can use any ATM for free worldwide (and receive fee reimbursements for out-of-network ATMs) and there’s no minimum balance or monthly fee. You can easily move money between Fidelity accounts, especially to collect your cash rewards from the Fidelity Rewards Visa Signature Card (one of the top cash back credit cards).

  • Earn

    Easily move money to Fidelity Investment accounts for quick investing

  • Fees

    No monthly fee

    All ATM fees are automatically reimbursed

  • Benefits

    FDIC coverage up to $1,250,000 through partnered banks

    Mobile app available on the Apple App Store, Google Play, and Windows Phone Store

2. Best Checking Account for Avoiding Overdraft Fees

Capital One 360 360 Checking

A MyBankTracker Rating

No-fee online interest checking. Access to Capital One ATMs.

Best Feature: Overdraft line of credit.

Capital One 360 Logo

The 360 Checking account from Capital One 360 is an online checking account that has no monthly service fee and pays interest. You can access more than 38,000 Allpoint ATMs for free. Also, you can use Capital One ATMs for deposits and withdrawals. Most other online checking accounts don’t offer any way to deposit cash. With Capital One ATMs, this is possible. The account also comes with free access to an overdraft line of credit. You simply pay interest on the overdrawn balance instead of an expensive overdraft fee.

  • Earn

    Earn a great APY rate, depending on your account balance

  • Fees

    No monthly fees

    Free ATM access at 38,000 Allpoint ATMs and 2,000 Capital One ATMs

    Free overdraft line of credit

  • Benefits

    Person2Person feature allows you to send money to friends

    My Savings Goal Feature to keep track of your savings progress

    Integrated with Capital One online and mobile banking platforms for easy account management

    Mobile app available on the Apple App Store and Google Play

3. Best Checking Account for Branch Banking

Chase Total Checking

B MyBankTracker Rating

Basic checking account from a national bank. Chase QuickPay for easy personal payments.

Best Feature: Access to a massive branch and ATM network.

Chase Logo

Chase Total Checking wins for being the starter checking account that lets you access the extensive branch and ATM network of one of the country’s largest banks. With more than 16,000 ATMs and 5,200 branches, you’re not going to have a tough time finding a branch or ATM to manage your account. Chase QuickPay is one of the easiest ways to pay or collect money from someone. The money is transferred quickly between bank accounts -- no need for third-party to slow down the process.

  • Earn

    Occasional sign-up bonuses of hundreds of dollars

  • Fees

    Monthly service fee of $12 that can be waived with various methods

  • Benefits

    Access to 16,000 ATMs and 5,200 branches nationwide

    Free Chase QuickPay for simple, fast personal payments.

    Mobile app available on the Apple App Store and Google Play

Ask a Question

Looking for your perfect checking account? We can help.

Get Started