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Banking
Online banks and checking accounts with the best features and lowest fees.
Comparisons & Reviews
Top Banking Products
Chime - $350 Bonus
Open a Chime checking account and earn up to $350 bonus with qualifying direct deposits. Fee-free online banking with early direct deposit and no minimum balance.
Pros
- ✓Generous $350 bonus for new accounts
- ✓Completely fee-free banking
- ✓Early direct deposit up to 2 days
Cons
- ✗Must have qualifying direct deposits for bonus
- ✗No physical branches
- ✗SpotMe limits start lower and increase over time
Alliant Credit Union High Yield Checking
High-yield checking account with competitive APY, $20 ATM fee rebate per month, and no monthly fees with e-statements. NCUA insured.
Pros
- ✓Earn interest on your checking balance
- ✓Generous $20/month ATM fee reimbursement
- ✓No monthly maintenance fees with e-statements
Cons
- ✗Must opt into e-statements to waive fees
- ✗Credit union membership required (easy to join)
- ✗0.25% APY lower than some savings accounts
Albert - Banking & Cash Advance
Sign up and link your bank account with Albert for cash advances up to $250, automatic savings, and smart budgeting tools with no minimum balance.
Pros
- ✓Get cash advances up to $250 with no interest
- ✓Automatic savings finds money you can save
- ✓Smart budgeting helps track spending
Cons
- ✗Genius subscription required for some features
- ✗Cash advance limits start lower and grow over time
- ✗Not a full replacement for traditional banking
Discover® Cashback Debit
Online checking account that earns 1% cash back on up to $3,000 in debit purchases monthly.
Pros
- ✓Rare 1% cash back on debit card purchases
- ✓Zero fees—no monthly, overdraft, or insufficient funds fees
- ✓Large ATM network
Cons
- ✗Cash back capped at $3,000/month in purchases
- ✗No physical branches
- ✗No joint accounts available online
Axos Bank Rewards Checking
Feature-rich online checking with up to 3.30% APY and unlimited ATM fee reimbursements.
Pros
- ✓Earn up to 3.30% APY with qualifying activities
- ✓Unlimited ATM fee reimbursements nationwide
- ✓No monthly maintenance fees
Cons
- ✗Must meet requirements for top APY
- ✗No cash deposit options
- ✗Limited brand recognition
Capital One 360 Checking
Well-rounded online checking with no fees, early direct deposit, and both digital and branch access.
Pros
- ✓Rare combo of online convenience + physical branches
- ✓Massive 70,000+ fee-free ATM network
- ✓No minimum balance or monthly fees
Cons
- ✗0.10% APY is very low
- ✗Branch locations limited to certain regions
- ✗No cash back on debit purchases