Rates today, datedChecking account fees today
Sorted by monthly fee, not by a marketing score. Bank of America Advantage Plus Banking is $12 unless you hit a waiver. Capital One 360 Checking is $0. Opening minimums we have not seen on the issuer page are left blank.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
Last issuer-page stamp in this table: October 25, 2026
| Product | Monthly fee | APY | Minimum | Verified |
|---|---|---|---|---|
| Ally Bank Spending Account (Interest Checking) | $0 | 0.10% | None | October 19, 2026 |
| Axos Bank Basic Business Checking | $0 | - | None | October 25, 2026 |
| Capital One 360 Checking | $0 | 0.10% | None | October 25, 2026 |
| Chime Checking Account | $0 | 0.00% | None | October 14, 2026 |
| Current | $0 | 0.00% | None | October 14, 2026 |
| Grasshopper Bank Small Business Checking | $0 | 1.00% | $100 | October 25, 2026 |
| OnePay Cash | $0 | 0.00% | None | October 19, 2026 |
| Quontic High Interest Checking | $0 | 1.10% | $100 | September 20, 2026older than 14 days |
| Schwab Bank Investor Checking | $0 | 0.01% | None | October 19, 2026 |
| SoFi Checking and Savings | $0 | 0.50% | None | August 11, 2026older than 14 days |
| Upgrade Rewards Checking Preferred | $0 | 0.00% | None | October 20, 2026 |
| Varo Bank Account | $0 | 0.00% | None | October 20, 2026 |
| Axos Bank Business Interest Checking | $10 | 1.01% | $100 | October 17, 2026 |
| Bank of America Advantage Plus Banking | $12 | 0.00% | $100 | October 14, 2026 |
| Chase Total Checking | $15 | 0.00% | None | October 19, 2026 |
| Citi Regular Checking | $15 | 0.00% | None | October 14, 2026 |
| Wells Fargo Everyday Checking | $15 | 0.00% | - | October 19, 2026 |
Prefer a short list? See our ranked picks, with the best choice for each need.
Frequently asked questions
Which checking accounts have no monthly fee?
10 of the 14 accounts we list charge no monthly fee, with nothing to waive. They include Ally Bank Spending Account (Interest Checking), Capital One 360 Checking, Schwab Bank Investor Checking and Chime Checking Account.
Do any checking accounts pay interest?
Yes, 5 of the 14 do. The highest rate we have verified is 1.10% APY at Quontic High Interest Checking, as of Sep 20, 2026. Interest on checking is usually small next to a savings account, so keep spending money here and the rest elsewhere.
How do I avoid monthly fees on a checking account?
Choose an account that charges none, or meet the bank's waiver, usually a minimum direct deposit or a minimum balance. 4 of the 14 accounts here charge a fee unless you meet a waiver, and the rule is written on each product page.
What is the difference between checking and savings?
Checking is built for everyday spending: a debit card, bill pay and ATM access. Savings pays more interest but is not meant for daily transactions. Many people keep both and move extra cash to savings.
How do you rank checking accounts?
We sort by what an account costs to keep, monthly fee first, then by the interest it pays. Fees and rates we last verified more than 14 days ago stay listed with their date but never outrank a current print.
Are business checking accounts included?
Business checking is compared in its own section below this list (3 accounts), so it does not compete with personal checking for a pick.