Our Best Online Checking Accounts for November 2024

Need a better checking account? Here are the best online options for November 2024—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!

Best for sign up bonus of $300
  • Chase Total Checking®: Access to the largest bank in the U.S.
    • More than 15,000 ATMs and 4,700 physical locations
    • New customers can qualify for a $300 intro bonus
    • User-friendly online and mobile banking tools
    • No minimum deposit to open
    • Chase Overdraft Assist and Zero Liability Protection
Best for APY and customer service
  • SoFi Checking and Savings: Checking & savings combined into one account
    • Grow your money with the highest APY on your balances
    • Member FDIC, up to $2M of additional FDIC insurance
    • No account fees or balance minimums
    • Earn up to $300 with qualifying direct deposit, terms apply
Best for mobile banking
  • CIT eChecking: Zero fees with online and mobile banking made easy
    • No. Fees. Period.
    • Get up to $30 in other bank's ATM fees reimbursed per month
    • .25% APY on balances over $25K
Best for building credit
  • Current® Mobile Banking: The future of banking
    • Build credit with everyday purchases
    • No annual fees
    • No credit checks or history required to apply
    • Get up to a $500 paycheck advance anytime
    • Get paid up to 2 days faster
Best for sign up bonus of $300
Our Rating:
5.0
Chase Total Checking®: Access to the largest bank in the U.S.
  • More than 15,000 ATMs and 4,700 physical locations
  • New customers can qualify for a $300 intro bonus
  • User-friendly online and mobile banking tools
  • No minimum deposit to open
  • Chase Overdraft Assist and Zero Liability Protection
Best for APY and customer service
Our Rating:
4.5
SoFi Checking and Savings: Checking & savings combined into one account
  • Grow your money with the highest APY on your balances
  • Member FDIC, up to $2M of additional FDIC insurance
  • No account fees or balance minimums
  • Earn up to $300 with qualifying direct deposit, terms apply
Best for mobile banking
Our Rating:
3.9
CIT eChecking: Zero fees with online and mobile banking made easy
  • No. Fees. Period.
  • Get up to $30 in other bank's ATM fees reimbursed per month
  • .25% APY on balances over $25K
Best for building credit
Our Rating:
4.5
Current® Mobile Banking: The future of banking
  • Build credit with everyday purchases
  • No annual fees
  • No credit checks or history required to apply
  • Get up to a $500 paycheck advance anytime
  • Get paid up to 2 days faster

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 4.60% 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

1,203 users chose an account with My Millennial Guide this month
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