Your Guide to the Best Online Checking Accounts of March 2025

Bank smarter – open a Checking Account with no minimum balance requirements.

Compare checking accounts that offer a high APY, rewards, and sign up bonuses.

Account Type:

Checking Accounts

Savings Accounts Certificates of Deposit Checking Accounts

Our Featured Pick

987458

visitors selected an account with us this week.

Our Rating

Our editors analyze the factors below to determine ratings and give you the best guidance:

Rates

Better rates for deposit products will yield a better rating.

Benefits

Fees

Our Reviews

Helpful Insights

Best CD Rates Locally

March 10, 2025

Review Our Top Accounts

1 Sponsored

4.6 Complex Search Rating

Rates 4

Consistently competitive interest rates. Wide range of terms--up to 10 years.

Benefits 4.5

Mobile App, with ATM Access.

Fees 4

No monthly fees.

Certificates of Deposit

Capital One – 360 Performance Savings

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Member FDIC Product Disclosure

Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal accounts only. Fees may reduce earnings. For High Yield Savings accounts, the rate may change after the account is opened. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.

Pros

Got about 5 minutes? That’s all the time it takes to open an account.
There are no monthly fees to get between you and your money. Zero never sounded so good.
Manage your savings on-the-go with our top-rated mobile app.
With 24/7 access to your account, you can bank on your own schedule.

Cons

Got about 5 minutes? That’s all the time it takes to open an account.

Features

Online Banking

4.5 Complex Search Rating

Rates 5

Consistently competitive interest rates. Impressive rates on CDs.

Benefits 3.5

Limited size bank without many benefits for depositors.

Fees 4

Low fees on this impressive CD offerings.

Certificates of Deposit

Forbright Bank: Growth Savings

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Pros

Offers significantly higher potential returns to comparable CD terms
No risk to your principal, which is guaranteed
No administrative fees or sales charges
Penalty-free withdrawals of up to 10% of the account value per year

Cons

$1,000 minimum premium deposit required

Features

Online Banking

Which Account is Right for You?

Earns High Yield Interest

FDIC-Insured

ATM Access

Debit Card Access

Check Writing Access

Fee-Free Withdrawal

Savings Account

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Certificate of Deposit

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Checking Account

Viewing

Frequently Asked Questions

Can checking accounts earn interest like a savings account?

Yes, there are checking accounts that offer competitive, sometimes even high-interest rates—often called “interest-bearing checking accounts” or “rewards checking accounts.” However, these accounts usually come with specific requirements or conditions, such as maintaining a minimum monthly balance, making a certain number of debit card transactions, or setting up direct deposit.

Do checking accounts have fees?

What is a checking account, and how is it different from a savings account?

Your Guide to the Best Online Checking Accounts of March 2025

Bank smarter – open a Checking Account with no minimum balance requirements.

Our Featured Pick

Our Rating

Our Reviews

Chase Bank

Citibank Savings Acconts

US Bank

Helpful Insights

Best Banks

Best CD Rates Locally

Review Our Top Accounts

Rates 4

Benefits 4.5

Fees 4

Certificates of Deposit

Capital One – 360 Performance Savings

Rates 5

Benefits 3.5

Fees 4

Certificates of Deposit

Forbright Bank: Growth Savings

Which Account is Right for You?

Frequently Asked Questions

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