- Overview of the 10 best online checking accounts
- 10 best online checking accounts
- Best online checking accounts summary
- Why you should open an online checking account
- The bottom line
Overview of the 10 best online checking accounts
|Ally Bank||Mobile app|
|Capital One 360||Customer service|
|Charles Schwab Bank||Unlimited ATM rebates|
|Axos Bank||Rewards checking|
|Chase||$200 bonus offer|
|Discover Bank||1% cash back|
|Radius Bank||Rewards checking|
|TIAA Bank||Basic checking for beginners|
|Simple||Linked high-yield savings|
10 best online checking accounts
Capital One 360
Charles Schwab Bank
- Direct deposits of $1,000 or more.
- Use a debit card at least 15 times.
- Minimum $3 purchase on each debit card transaction.
- Direct deposit of at least $500 per month.
- $1,500 minimum daily balance.
- $5,000 average daily balance.
Best online checking accounts summary
|Bank||Monthly fee||APY||Minimum||Key feature|
|Ally Bank||$0||0.10%||$0||Mobile app|
|Capital One 360||$0||0.10%||$0||+40,000 ATMs|
|Charles Schwab||$0||0.03%||$0||Unlimited ATM fee rebates|
|Axos Bank||$0||0-1.25%||$0||Rewards checking|
|Discover Bank||$0||0%||$0||1% cash back|
|Radius Bank||$0||0.10%||$2,500||Rewards checking|
|TIAA Bank||$0||0.12%||$100||Basic checking|
Is online checking online only?
- Online app
- 24-hour phone service help
- Live chat
- Secure messaging
How do I avoid fees?
Is an online checking account secure?
How do I open an online checking account?
- Click on a link on the bank’s official website that sends you to a page to open an account.
- Have documentation ready, such as your Social Security number and a valid form of ID such as a U.S. driver’s license or government ID, proof of a physical address, and proof of citizenship or being a resident alien.
- Create a login with a username and password.
- Pick the account type. A joint account will require that person’s documentation.
- Deposit money through a debit from an account you have elsewhere, or use routing and account numbers. A minimum deposit of $25 may be required.
Why you should open an online checking account
The bottom line
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