13 Best Checking Accounts of 2025 [Free & Paid]

Need a better checking account? Here are the best online options for 2025—low fees, easy setup, and features that actually work for you. Switch today and make banking simple.

A reliable checking account isn’t just a convenience—it’s a must-have in today’s digital age. The best accounts go beyond basic banking, integrating with savings and investment tools to serve as your financial command center.

Whether you’re unhappy with your current bank or opening your first account, you’re in the right place.

Here’s why:
  • No Monthly Fees: Say goodbye to unnecessary costs.
  • Sign-Up Bonuses: Earn money just for signing up.
  • Tailored Recommendations: We break down who each account is best for, so you can find the perfect fit.

Ready to Make the Switch?

Check out our expertly curated list of 2025’s top checking accounts 🏆 and start banking smarter today!

$50 sign up bonus with code WELCOME50
  • Rating:
    4.8
    • Instant $750 advance anytime
    • No fees—no overdraft or maintenance
    • Get paid 2 days early
    • Cashback rewards at select stores
    • 40,000+ fee-free ATMs
Access to the largest bank in the U.S.
  • Rating:
    4.7
    • Get a $300 bonus with a $500+ direct deposit
    • No monthly fees with qualifying deposits or balance
    • 4,700+ branches & 15,000+ ATMs nationwide
    • No overdraft fee if overdrawn by $50 or less
    • FDIC insured for added security
Checking & savings combined into one account
  • Rating:
    4.5
    • Earn up to a $325 bonus and up to 3.80% APY on your money
    • No account, overdraft, or monthly fees
    • Get your paycheck up to two days early
    • Access additional FDIC insurance up to $2 million
Zero fees with online and mobile banking made easy
  • Rating:
    3.9
    • Earn up to 0.25% APY on your balance
    • No monthly maintenance fees
    • Get up to $30 in ATM fee reimbursements each month
    • Manage your account with easy mobile banking tools
$50 sign up bonus with code WELCOME50
Rating:
4.8
  • Instant $750 advance anytime
  • No fees—no overdraft or maintenance
  • Get paid 2 days early
  • Cashback rewards at select stores
  • 40,000+ fee-free ATMs
Access to the largest bank in the U.S.
Rating:
4.7
  • Get a $300 bonus with a $500+ direct deposit
  • No monthly fees with qualifying deposits or balance
  • 4,700+ branches & 15,000+ ATMs nationwide
  • No overdraft fee if overdrawn by $50 or less
  • FDIC insured for added security
Checking & savings combined into one account
Rating:
4.5
  • Earn up to a $325 bonus and up to 3.80% APY on your money
  • No account, overdraft, or monthly fees
  • Get your paycheck up to two days early
  • Access additional FDIC insurance up to $2 million
Zero fees with online and mobile banking made easy
Rating:
3.9
  • Earn up to 0.25% APY on your balance
  • No monthly maintenance fees
  • Get up to $30 in ATM fee reimbursements each month
  • Manage your account with easy mobile banking tools

What To Know?

Can I earn interest from the best checking accounts?

Yes, you can earn interest from some of the best checking accounts of 2025. SoFi Checking and Savings awards their members with up to 3.80% APY, but you can earn at least a few percentage points here and there with many of the banks above.  

Which banks offer sign-up bonuses for new checking account customers?

Axos ($300), Chase Bank ($300), and SoFi ($325) offer sign-up bonuses for their new checking account customers. Be sure to read the fine print to see how you can earn these sign-up bonuses to boost your finances. 

Is it safe to open a checking account with an online-only bank?

Yes, it is safe to open a checking account with an online-only bank, as long as you do your due diligence. Research the bank and see what others are saying about it. Make sure the bank offers either FDIC or NCUA insurance and is a reputable bank before you deposit any money. 

Our Top Pick

1,234 users chose an account with My Millennial Guide this month
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