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Best for Interest on business checking

Bluevine Business Checking

Bluevine

Fintech (banking by Coastal Community Bank, Member FDIC)

Monthly fee: $0Standard plan. Plus is $30 a month and Premier is $95 a month. Bluevine says those paid-plan fees can be waived.as of Oct 30, 2026 source
APY: 1.3%Standard plan, on balances up to $250,000, if you spend $500 on the debit card or receive $2,500 in customer payments that month. Plus is 1.75% up to $250,000. Premier is 3.0% on all balances.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee on Standard
Up to 3.0% APY on Premier
FDIC coverage up to $3 million

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Editor's choice

Relay Business Checking

Relay Financial

Fintech (banking by Thread Bank, N.A., Member FDIC)

Monthly fee: $0Starter plan. Grow is $30 a month. Scale is listed at $90 a month, discounted from $120 for a limited time.as of Oct 30, 2026 source
APY: 1.19%Savings APY on Starter, as of Sep 17, 2026. Grow savings APY is 1.87%. Scale savings APY is 3.21%. Rates are variable.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No minimum balance
20 checking accounts on Starter
Savings APY from 1.19%

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Best for Startups that want free wires

Mercury Business Checking

Mercury

Fintech (banking by Choice Financial Group and Column N.A., Members FDIC)

Monthly fee: $0Base Mercury plan. No minimum balance. Mercury Plus is $29.90 a month. Paid workflow plans start at $35 a month.as of Oct 30, 2026 source
APY: 0.00%Checking APY in the Column N.A. agreement. Savings APY there is also 0.00%. Treasury can pay up to 4.09% and is an investment, not this checking account. It requires a $250,000 Mercury balance.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
Free ACH and domestic wires
No minimum balance

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Best for A new business that wants no monthly fee

Axos Bank Business Checking

Axos Bank

Bank

Monthly fee: $0Basic Business Checking. No monthly maintenance fee and no minimum balance. Business Interest Checking is a separate account with a $10 monthly fee, waived at a $5,000 average daily balance.as of Oct 30, 2026 source
APY: Not listedBasic Business Checking does not publish an APY. Business Interest Checking lists 1.01% APY on balances under $50,000.as of Oct 30, 2026 source
Sign-up bonus: Up to $200Open Basic Business Checking with promo code START200 by Jan 31, 2027. Keep a $3,000 average daily balance. Axos pays up to $50 a month, up to $200 total.as of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
No minimum to open
Free incoming wires

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Best for Branch access for a small business

Chase Business Complete Banking

JPMorgan Chase Bank, N.A.

Bank

Monthly fee: $15$0 with a $2,000 minimum daily ending balance, or $2,000 in eligible Chase Payment Solutions deposits, or $2,000 in eligible Ink or Sapphire Reserve for Business purchases, or a linked qualifying personal checking account, or military banking.as of Oct 30, 2026 source
APY: Not listedas of Oct 30, 2026 source
Sign-up bonus: NoneA bonus page on Chase's site listed an offer that ended Oct 15, 2026. The checking page does not list a current bonus.as of Oct 30, 2026 source
Min. deposit: Not listedas of Oct 30, 2026 source

$15 monthly fee, or $0 if you qualify
Mobile card acceptance
20 paper and teller transactions included

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Best for A new business that uses branches

Wells Fargo Initiate Business Checking

Wells Fargo Bank, N.A.

Bank

Monthly fee: $15$0 with a $2,000 minimum daily balance, a $5,000 average combined business deposit balance, or a Premier, Private Bank, or Private Bank Interest Checking account.as of Oct 30, 2026 source
APY: Not listedas of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $25as of Oct 30, 2026 source

$15 monthly fee, or $0 if you qualify
$25 to open
First $5,000 of cash deposits has no processing fee

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Best for Interest on checking with no fee

nbkc Everything Account

nbkc bank

Bank

Monthly fee: $0as of Oct 30, 2026 source
APY: 1.75%Variable. Effective Oct 30, 2026. Minimum balance to earn the APY is $0.01. No monthly spending requirement.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0.01as of Oct 30, 2026 source

No monthly fee
1.75% APY on checking
Direct deposit up to two days early

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Editor's choice

SoFi Checking and Savings

SoFi Bank, N.A.

Bank

Monthly fee: $0No account, service, or maintenance fee. Outgoing wires, Instant Transfers, and global remittances are charged separately.as of Oct 30, 2026 source
APY: 3.30%Savings APY with eligible direct deposit, as of Oct 20, 2026. No minimum balance. New members can get a 1.10% boost for up to 6 months, up to 4.40%, if they qualify.as of Oct 30, 2026 source
Sign-up bonus: Up to $400Direct deposit bonus through Dec 31, 2027. $50 if eligible deposits total $1,000 to $4,999.99 in 25 days. $400 at $5,000 or more. $0 below $1,000. One bonus per member.as of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
3.30% savings APY with direct deposit
Up to $400 direct deposit bonus

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Best for No-fee checking with a savings rate

Chime

Fintech

Monthly fee: $0No monthly service fee and no minimum balance on checking. Out-of-network ATM withdrawals are $2.50.as of Oct 30, 2026 source
APY: 1.00%Standard savings APY as of Oct 6, 2026. Chime Plus is 3.00% and Chime Prime is 4.00%. You need $0.01 in savings to earn interest. Checking is required to open savings.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
No overdraft fee
Savings APY from 1.00%

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Best for Fee-free spending

Ally

Bank

Monthly fee: $0No monthly maintenance fee, no overdraft fee, and no minimum balance.as of Oct 30, 2026 source
APY: 0.10%Spending account balances under $15,000. Balances of $15,000 or more earn 0.25% APY. Rates are variable.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
No overdraft fee
Up to $10 ATM fee reimbursement a cycle

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Best for No-fee checking

Capital One 360

Bank

Monthly fee: $0No monthly fee, no minimum balance, and no overdraft fee.as of Oct 30, 2026 source
APY: Not listedThe checking page says the account pays interest on a tiered balance. The rate itself did not display when we checked the page.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
No minimum to open
Pays interest on a tiered balance

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Best for A debit account with no monthly fee

Discover

Bank

Monthly fee: $0Cashback Debit has no monthly fees and no balance requirement, per Discover's product page.as of Oct 30, 2026 source
APY: Not listedDiscover's product page does not publish an APY for Cashback Debit.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: Noneas of Oct 30, 2026 source

No monthly fee
No balance requirement

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Best for A free account with a savings rate you can raise

Varo

Bank

Monthly fee: $0No monthly, maintenance, or minimum-balance fee on the bank account. Out-of-network ATM withdrawals are $3.50.as of Oct 30, 2026 source
APY: 1.00%Standard savings APY. Qualify for 3.75% on the first $5,000 the next month with $800 in direct deposits and a positive balance in all Varo accounts. Accurate as of Oct 5, 2026 on Varo's disclosures.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
Up to 3.75% savings APY
No minimum balance

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Best for Early pay and a savings boost

Current

Fintech (banking by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC)

Monthly fee: $0The June 22, 2026 deposit agreement does not list a monthly service fee. A $5 inactivity fee can apply after 12 months with no transactions.as of Oct 30, 2026 source
APY: 4.00%Savings Pod boost on the first $2,000 in each of up to 3 pods, if you receive at least $200 in qualifying direct deposits. Otherwise 0.25%. Balance above that cap earns 0.00%.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly service fee listed
Savings Pods up to 4.00%
Early direct deposit

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Best for High-yield online savings

Marcus by Goldman Sachs

Bank

Monthly fee: $0No fees and no minimum deposit on the Online Savings Account.as of Oct 30, 2026 source
APY: 3.50%Online Savings Account APY as of Oct 30, 2026. The rate can change. A referral can add 1.00% for 3 months.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No fees
No minimum deposit
3.50% APY

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Best for Branch banking with a way to waive the fee

Chase Total Checking

Chase

Bank

Monthly fee: $15$0 with $500 or more in qualifying electronic deposits, a $1,500 balance at the start of each day, a $5,000 average beginning balance with linked deposits or investments, or a linked qualifying checking account.as of Oct 30, 2026 source
APY: Not listedas of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: Not listedas of Oct 30, 2026 source

$15 monthly fee, or $0 if you qualify
FDIC insurance
More than 14,000 ATMs

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Best for Everyday checking with a fee you can waive

Wells Fargo

Bank

Monthly fee: $15Everyday Checking. $0 with $500 in qualifying electronic deposits, a $1,500 minimum daily balance, $5,000 in qualifying deposit or investment balances, if the primary owner is 17 to 24, or with a qualifying military direct deposit.as of Oct 30, 2026 source
APY: Not listedas of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: Not listedas of Oct 30, 2026 source

$15 monthly fee, or $0 if you qualify
Everyday Checking
Fee schedule effective Jul 28, 2026

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Best for Branch checking with a direct-deposit waiver

Bank of America Advantage

Bank of America

Bank

Monthly fee: $12Advantage Plus. $0 with a qualifying direct deposit of $250 or more, a $1,500 minimum daily balance, or Preferred Rewards at Preferred Plus or higher. $100 to open. Non-interest bearing. Fee schedule effective Aug 7, 2026.as of Oct 30, 2026 source
APY: 0%Advantage Plus is non-interest bearing.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $100as of Oct 30, 2026 source

$12 monthly fee, or $0 if you qualify
$100 to open
Non-interest bearing

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Best for Free checking that pays interest

Axos

Axos Bank

Bank

Monthly fee: $0No monthly maintenance fee, no overdraft fee, and no minimum balance.as of Oct 30, 2026 source
APY: 1.00%On the checking balance with at least $1 in qualifying direct deposit.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
1.00% APY with direct deposit
Early direct deposit

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Best for No-fee checking with a savings rate

Upgrade

Fintech

Monthly fee: $0No monthly maintenance fee and no overdraft fee. Out-of-network ATMs are $2.50 plus any third-party fee. An inactivity fee can apply.as of Oct 30, 2026 source
APY: 1.50%Performance Savings, not the checking account. 3.30% APY with an active account and at least $1,000 in monthly direct deposit, as of Sep 18, 2026. Otherwise 1.50%, which Upgrade dates to Jun 1, 2023. Rates are variable.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
Up to 3.30% on Performance Savings
Cash back with direct deposit

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Best for A debit card for kids

Greenlight

Fintech

Monthly fee: $5.99Core plan, per family. Max is $10.98, Infinity is $15.98, and Family Shield is $19.98. Fee disclosure updated Sep 8, 2026.as of Oct 30, 2026 source
APY: 2%Savings rate listed for Core. Max lists 3%, Infinity 5%, and Family Shield 6%.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: Not listedas of Oct 30, 2026 source

Debit cards for up to 5 kids
Core is $5.99 a month
2% on savings with Core

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Best for Cash that earns a published APY

Wealthfront Cash

Wealthfront

Fintech

Monthly fee: $0No account fee. Out-of-network ATMs are $2.50 plus the ATM owner fee.as of Oct 30, 2026 source
APY: 3.55%Base APY as of Oct 1, 2026, paid by program banks. New clients can get a 0.65% boost for 3 months on up to $150,000. The page describes that combined rate as up to 4.45%.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $1as of Oct 30, 2026 source

No account fee
3.55% base APY
$1 to open

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