Does Union Savings Bank have a mobile app?

*Participation in our automatic mortgage "Easy Pay" program for a minimum of 24 months is required in order to qualify for the cash bonus and other Advantage Checking benefits.

Available to all Union Savings Bank consumer online banking customers. Union Savings Bank Mobile allows you to check balances, make transfers, pay bills, make deposits, and find locations.

Available features include:

Accounts
- Check your latest account balance and search recent transactions by date, amount, or check number.

Transfers
- Easily transfer cash between your accounts.

Bill Pay
-Schedule one time payments

Check Deposit
- Deposit checks while on the go.

Locations
- Find nearby Branches and ATMs using the device’s built-in GPS. Additionally, you can search by zip code or address.

By clicking on the link below, you will leave the Union Bank website and enter a privately owned website created, operated, and maintained by another unaffiliated business. By linking to the website of this private business, Union Bank is not endorsing its products, services, or privacy or security policies. If you accept third-party goods or services advertised at our website, the third party may be able to identify that you have a relationship with us (for example, if the offer was made only through our site).

The information that this private business collects and maintains as a result of your visit to its Web site, and the manner in which it does so, may differ from the information that Union Bank collects and maintains. (Refer to the Privacy & Security section for privacy protections Union Bank provides to its Web site visitors). If you provide the business with information, its use of that information will be subject to that business's privacy policy. We recommend you review their information collection policy, or terms and conditions to fully understand what that business collects. We are not responsible for the information collection practices of the other Web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information.

If you wish to continue to the destination link, press Continue.

Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our partners, however, our opinions are our own. Terms apply to offers listed on this page.

Albert Cash Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

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On Albert's website

Albert Cash Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Albert's website

Albert Cash Account

Learn more

On Albert's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• 55,000 free ATMs, with an ATM locator in the app
• Deposit cash via direct deposit, mobile check deposit, or transfers from other bank accounts
• Activate cash-back rewards with one merchant at a time, within your mobile app
• FDIC insured through partner institution, Sutton Bank

2. Ally Interest Checking Account

Ally Interest Checking Account

4.75/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.75 out of 5 Stars

Annual Percentage Yield (APY)

0.10% to 0.25%

Minimum Deposit Amount

$0

View Full Details

Learn More

On Ally's website

Ally Interest Checking Account

4.75/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.75 out of 5 Stars

Annual Percentage Yield (APY)

0.10% to 0.25%

Minimum Deposit Amount

$0

View Full Details

Learn More

On Ally's website

Ally Interest Checking Account

Learn More

On Ally's website

Details

Annual Percentage Yield (APY)

0.10% to 0.25%

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.75 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• You can deposit checks right from your smartphone
• Ally reimburse's up to $10 per statement cycle for fees charged at other ATMs nationwide
• Transfer money with your voice through Ally Skill™ for Amazon Alexa
• Interest compounded daily, paid monthly
• FDIC insured

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

3. Ando Spending

Ando Spending Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

View Full Details

Learn more

On Ando's website

Ando Spending Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

View Full Details

Learn more

On Ando's website

Ando Spending Account

Learn more

On Ando's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Ando only invests in products that cut down on carbon emissions and cancel out greenhouse gases
• In the Impact Center, track how your deposits and the deposits of people you refer are being invested
• Earn 1.5% on eligible debit card purchases pertaining to personal, family, or households goods
• To be eligible for Early Pay or Covered by Ando, you'll need to set up direct deposit, receive at least $500 within 31 days; to continue to qualify for these programs, you must continue to receive $500 in direct deposits each month
• Early Pay allows you receive direct deposits up to 2 days early
• Covered by Ando allows you to overdraw up to $200 from your account without paying a fee
• 38,000+ free ATMs in the US in the MoneyPass network
• Debit card is made with 80% less plastic than most cards
• Deposits are FDIC insured through partner bank, Community Federal Savings Bank

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

4. Andrews Federal Credit Union Online Checking Account

Andrews Federal Credit Union Online Checking Account

3.75/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.75 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$5

View Full Details

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On Andrews Federal Credit Union's website

Andrews Federal Credit Union Online Checking Account

3.75/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.75 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$5

View Full Details

Learn more

On Andrews Federal Credit Union's website

Andrews Federal Credit Union Online Checking Account

Learn more

On Andrews Federal Credit Union's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$5

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.75 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Black-owned credit union with branches in DC, MD, NJ, VA, and WA; branches in Belgium, Germany, and the Netherlands
• 5,000 shared branches in the CO-OP Shared Branch network
• 30,000 free ATMs in the US in the CO-OP Shared ATM network
• Join Andrews FCU by being an employee/member by one of the credit union's Employer Groups; live, work, study, or worship in DC; are a member of the American Consumer Council; are an immediate family or household member of an Andrews FCU member; are an active military member or veteran, or a family member of someone who served at Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst; are a civilian personnel of Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst, or a family member; are a qualifying military member or civilian personnel of the Department of Defense, or a family member; otherwise qualify based on military affiliation
• To waive monthly $10 service fee you must fulfill one of the following requirements: Make at least 10 debit card transactions per month; are under the age of 24; OR are a U.S. military member
• You must open a Base Share Savings Account to become an Andrews FCU member
• Federally insured by the NCUA

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

5. Axos Bank Essential Checking

Axos Bank Essential Checking

4.69/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.69 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

View Full Details

Learn more

On Axos's website

Axos Bank Essential Checking

4.69/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.69 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

View Full Details

Learn more

On Axos's website

Axos Bank Essential Checking

Learn more

On Axos's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.69 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Online-only account
• If you don't enroll in overdraft protection, purchases that would overdraw your account will be denied
• FDIC insured

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

6. Capital One 360 Checking

Capital One 360 Checking®

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

0.10%

Minimum Deposit Amount

$0

View Full Details

Learn more

On Capital One's website

Capital One 360 Checking®

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

0.10%

Minimum Deposit Amount

$0

View Full Details

Learn more

On Capital One's website

Capital One 360 Checking®

Learn more

On Capital One's website

Details

Annual Percentage Yield (APY)

0.10%

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Over 70,000 free ATMs nationwide
• Branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
• Interest compounded daily, paid monthly
• FDIC insured

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

7. Cheese Account

Cheese Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

0.30% to 3.00%

Minimum Deposit Amount

None

View Full Details

Learn more

On Cheese's website

Cheese Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

0.30% to 3.00%

Minimum Deposit Amount

None

View Full Details

Learn more

On Cheese's website

Cheese Account

Learn more

On Cheese's website

Details

Annual Percentage Yield (APY)

0.30% to 3.00%

Minimum Deposit Amount

None

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Over 30,000 free ATMs in the MoneyPass network
• Digital checking account meant for immigrants and Asian American customers
• Earn 0.25% cash back on all purchases and up to 10% cash back at over 10,000 retailers
• Choose to donate your $5 sign-up bonus and cash back to the following nonprofits that support Asian Americans: Asian Pacific Fund, Welcome to Chinatown, AAPI Women Lead, and Southwestern Chinese Students and Scholars Association
• Earn 3% APY on balances up to $10,000 for 30 days if you refer a friend
• Interest compounded monthly
• FDIC insured by partner bank, Coastal Community Bank

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

8. Chime Checking Account

Chime Checking Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Chime's website

Chime Checking Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Chime's website

Chime Checking Account

Learn more

On Chime's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• 38,000+ free ATMs nationwide through MoneyPass® and Visa® Plus Alliance
• Free cash deposits at Walgreens; May deposit cash at other select retail locations but you may be charged a fee
• Rounds debit card purchases up to the nearest dollar and moves spare change into your Chime Savings Account
• Qualify for SpotMe overdraft protection by receiving $200 in direct deposits per month
• Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

9. Credit Karma Money Spend

Credit Karma Money Spend Account

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Credit Karma's website

Credit Karma Money Spend Account

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Credit Karma's website

Credit Karma Money Spend Account

Learn more

On Credit Karma's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• 55,000 free ATMs in the Allpoint network
• With Instant Karma, Credit Karma randomly chooses debit card purchases to reimburse
• Partner bank is MVB Bank
• FDIC insured for up to $5 million

10. Current Account

Current Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

0% to 4%

Minimum Deposit Amount

$0

View Full Details

Learn more

On Current's website

Current Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

0% to 4%

Minimum Deposit Amount

$0

View Full Details

Learn more

On Current's website

Current Account

Learn more

On Current's website

Details

Annual Percentage Yield (APY)

0% to 4%

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Access to 40,000 fee-free Allpoint ATMs
• You may overdraw up to $200 from your account with no overdraft fees if you're eligible for Overdrive
• To be eligible for the Overdrive feature, you'll need to receive direct deposits $500 per month
• 3 Savings Pods: You may deposit up to $2,000 in each Savings Pod; Money that is kept in Savings Pods can earn 4% APY
• Round-Ups: Debit card purchases are rounded up to the nearest dollar and the change is deposited into a Savings Pod
• Spending Insights: You can create a budget that keeps track of specific categories of spending; Spending Insights monitors how much you spend and can issue alerts if you are close to your limit
• Cash back: You can earn cash back at 14,000 select stores when you use your debit card; Points be redeemed at the Current Shop for cash
• Issued through Choice Financial Group (Member FDIC)

11. Dave Spending Account

Dave Spending Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Dave's website

Dave Spending Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Dave's website

Dave Spending Account

Learn more

On Dave's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Access to over 37,000 surcharge-free ATMs through the MoneyPass ATM network
• Dave charges a $1 membership fee to access the Dave Spending Account and apps budgeting features
• Dave will deny your purchase if you overdraw from your account
• If you'd like to deposit cash, you'll have to visit a Green Dot location (can't deposit cash at ATMs)
• Dave Spending Account may only be opened as an individual bank account
• FDIC insured through Evolve Bank & Trust

12. Dora Financial Everyday Checking Account

Dora Financial Everyday Checking Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Dora Financial's website

Dora Financial Everyday Checking Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Dora Financial's website

Dora Financial Everyday Checking Account

Learn more

On Dora Financial's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Access to 30,000 surcharge-free ATMs
• The Everyday Checking Account serves as a second chance bank account, so it won't allow you to overdraw from your account
• NCUA insured through US Alliance Financial

13. Fifth Third Bank

Fifth Third Bank Momentum Checking Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Fifth Third Bank's website

Fifth Third Bank Momentum Checking Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Fifth Third Bank's website

Fifth Third Bank Momentum Checking Account

Learn more

On Fifth Third Bank's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Over 1,200 branches in 11 states in the Southeast and Midwest
• Over 50,000 free ATMs through the Allpoint, Presto!, and 7-Eleven ATM networks
• Get free overdraft protection if you link your checking account to a savings account or get a line of credit
• If you don't have overdraft protection, Fifth Third Extra Time waives overdraft fees if you restore your account balance before midnight the following business day
• Member FDIC

14. GTE Financial Full Access Checking Account

GTE Financial Full Access Checking Account

3.48/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.48 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

View Full Details

Learn more

On GTE Financial's website

GTE Financial Full Access Checking Account

3.48/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.48 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

View Full Details

Learn more

On GTE Financial's website

GTE Financial Full Access Checking Account

Learn more

On GTE Financial's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.48 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Credit union, so membership required; several ways to become a member, including joining CU Savers with a one-time $10 fee
• 23 locations around Tampa, but membership available nationwide
• Free access to 30,000 ATMs
• Waive the $4.95 monthly service fee by enrolling in eStatements AND making $500 in deposits per month, OR making 15 debit card or credit card transactions per month
• Federally insured by the NCUA

This credit union has four checking accounts, including one for students. GTE Financial Full Access Checking is its most basic checking account, but all four offer early direct deposit.

15.Huntington Bank Perks Checking

Huntington Bank Perks Checking

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

0.02%

Minimum Deposit Amount

None

View Full Details

Learn more

On Huntington Bank's website

Huntington Bank Perks Checking

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

0.02%

Minimum Deposit Amount

None

View Full Details

Learn more

On Huntington Bank's website

Huntington Bank Perks Checking

Learn more

On Huntington Bank's website

Details

Annual Percentage Yield (APY)

0.02%

Minimum Deposit Amount

None

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
• Access to over 1,100 branches and 1,600 ATMs
• $200 bonus when you open a new Huntington Perks Checking Account by February 7, 2023, deposit $1,000 in the first 60 days, and keep your account open for at least 90 days
• $10 monthly maintenance fee waived when you make $1,000 in total monthly deposits OR have $5,000 total in all your Huntington accounts
• Free overdraft protection that lets you connect your checking account to another Huntington account
• Interest compounded and paid monthly
• FDIC insured

16. Kinly Account

Kinly Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Kinly's website

Kinly Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Kinly's website

Kinly Account

Learn more

On Kinly's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• To deposit money into a Kinly Account, you can make an ACH transfer from an external bank account or deposit cash at a Green Dot location
• To qualify for Kinly Overdraft, you must receive direct deposits of $1,000 in your Kinly Account over 35 calendar days
• Won't be able to overdraw from your account if you're not enrolled in Kinly Overdraft
• Banking services provided by The Bancorp Bank, Member FDIC

17. LendingClub

LendingClub Rewards Checking Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

0.00% to 0.15%

Minimum Deposit Amount

$25 to open, $2,500 to earn APY and 1% cash back on purchases

View Full Details

Learn more

On LendingClub's website

LendingClub Rewards Checking Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

0.00% to 0.15%

Minimum Deposit Amount

$25 to open, $2,500 to earn APY and 1% cash back on purchases

View Full Details

Learn more

On LendingClub's website

LendingClub Rewards Checking Account

Learn more

On LendingClub's website

Details

Annual Percentage Yield (APY)

0.00% to 0.15%

Minimum Deposit Amount

$25 to open, $2,500 to earn APY and 1% cash back on purchases

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Online banking institution with 1 branch in Boston, Massachusetts
• Earn 1% cash back on all credit purchases if you have at least $2,500 in your account
• Earn 0.00% APY if you have an account balance of $0.00 to $2,4999.99
• Earn 0.10% APY if you have an account balance of $2,500 to $99,999.99
• Earn 0.15% APY if you have an account balance of $100,000 or higher
• Access to over 325,000 surcharge-free ATMs through the NYCE, SUM and MoneyPass ATM networks
• Interest compounded monthly, paid monthly
• Member FDIC

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

18.

Navy Federal Free Active Duty Checking™ Account

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

0.05%

Minimum Deposit Amount

$0

View Full Details

On Navy Federal Credit Union's website

Navy Federal Free Active Duty Checking™ Account

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

0.05%

Minimum Deposit Amount

$0

View Full Details

On Navy Federal Credit Union's website

Navy Federal Free Active Duty Checking™ Account

On Navy Federal Credit Union's website

Details

Annual Percentage Yield (APY)

0.05%

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Available to active military, retired military, or reservists
• Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
• 247 branches worldwide, including on select military bases
• 30,000 free ATMs
• Interest compounded monthly, paid monthly
• Federally insured by the NCUA

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

19. One account

One account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

1.00% on your Save Pocket; 3.00% on your Auto-Save Pocket

Minimum Deposit Amount

$0

View Full Details

Learn more

On One's website

One account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

1.00% on your Save Pocket; 3.00% on your Auto-Save Pocket

Minimum Deposit Amount

$0

View Full Details

Learn more

On One's website

One account

Learn more

On One's website

Details

Annual Percentage Yield (APY)

1.00% on your Save Pocket; 3.00% on your Auto-Save Pocket

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Free access to 55,000 Allpoint ATMs in the US
• The One Account acts as a hybrid checking/savings account
• Set up a Savings Pocket and earn 1.00% APY on balances up to $5,000
• Round up debit card purchases to the nearest dollar, and the money goes into Auto-Save Pocket; earn 3.00% APY on your Auto-Save Pocket
• If you overdraft your account, the debit card acts as a line of credit
• Earn more rewards by setting up direct deposits: Earn interest on your Save Pocket balance up to $25,000; increase your line of credit; put 10% (up to $1,000 per month) of paychecks into Auto-Save where it earns 3.00% APY
• Deposits are FDIC insured through Coastal Community Bank

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

20. Porte Account

Porte Account

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

View Full Details

Learn more

On Porte's website

Porte Account

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

View Full Details

Learn more

On Porte's website

Porte Account

Learn more

On Porte's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Free access to 32,000 MoneyPass ATMs
• True Debt Calculator helps you understand and manage your debt
• Choose a charity (Humane Society, Save the Children, or GLAAD), and Porte will donate to it by matching a percentage of your purchases
• Earn cash back at select retailers
• Contactless pay through Apple Pay, Google Pay, and Tap to Pay
• Turn overdrafts on and off — when on, you'll pay a fee if you overdraft; when off, a purchase that would overdraw will be denied
• FDIC insured through MetaBank

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

21. Regions Bank Regions Bank LifeGreen® Checking Account

Regions Bank LifeGreen® Checking Account

3.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.5 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$50

View Full Details

Learn more

On Regions Bank's website

Regions Bank LifeGreen® Checking Account

3.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.5 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$50

View Full Details

Learn more

On Regions Bank's website

Regions Bank LifeGreen® Checking Account

Learn more

On Regions Bank's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$50

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.5 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• 1,300 branch locations in 15 states
• 2,000 free ATMs
• $11 monthly service fee with paper statements, $8 monthly service fee with online statements
• To avoid the monthly service fee, keep at least $1,500 in your account monthly, make a $500 single direct deposit, OR a $1,000 combined direct deposit
• Free overdraft protection lets you link your checking account to a savings account
• FDIC insured

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

22. Revolut Account

Revolut Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Revolut's website

Revolut Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Revolut's website

Revolut Account

Learn more

On Revolut's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Access to 55,000 free ATMs through the Allpoint ATM network
• Withdraw up to $1,200 from out-of-network ATMs
• Spend in more than 140 currencies
• 10 fee-free international or domestic wire transfers per month
• Additional international wire transfer fees will depend on the transfer amount and whether there's a currency exchange
• FDIC insured through Metropolitan Commercial Bank

23. Service Credit Union

Service Everyday Checking Account

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Service Credit Union's website

Service Everyday Checking Account

4.5/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Service Credit Union's website

Service Everyday Checking Account

Learn more

On Service Credit Union's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.5 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council
• Branches and ATMs in the US and Europe
• Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +
• Basic doesn't reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans
• Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month
• Federally insured by the NCUA

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

24. Simmons Bank Coin Checking Account

Simmons Bank Coin Checking Account

3.75/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.75 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Simmons Bank's website

Simmons Bank Coin Checking Account

3.75/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.75 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Simmons Bank's website

Simmons Bank Coin Checking Account

Learn more

On Simmons Bank's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

3.75 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Over 200 locations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas
• Access to 37,000 surcharge-free ATMs through the MoneyPass ATM network
• No minimum opening deposit (Must make a deposit of any amount in the first 45 days, though)
• Simmons Bank will round-up purchases to the nearest dollar and deposit the extra change into a second account if you have one
• Overdraft protection that links your checking account to a savings account or apply for a line of credit
• Member FDIC

25. SoFi Checking and Savings

SoFi Checking and Savings

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

A tooltip

Rates as of 11/30/22

1.20% to 3.50%

Minimum Deposit Amount

$0

View Full Details

Learn more

On SoFi's website

SoFi Checking and Savings

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

A tooltip

Rates as of 11/30/22

1.20% to 3.50%

Minimum Deposit Amount

$0

View Full Details

Learn more

On SoFi's website

SoFi Checking and Savings

Learn more

On SoFi's website

Details

Annual Percentage Yield (APY)

1.20% to 3.50%

Rates as of 11/30/22

Show more

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Free access to 50,000+ Allpoint ATMs worldwide
• Hybrid checking/savings account
• Earn up to 15% cash back on local retailers when you use a SoFi debit card; Retailer information is available through online banking
• Earn 3.50% APY on savings balances (Vaults included) and 2.50% APY on checking balances if you set up direct deposit
• Earn 1.20% APY on SoFi Checking and Savings if you don't set up direct deposit
• Earn up to $250 cash bonus available through January 31, 2023; receive a $50 bonus if you make a direct deposit between $1,000 and $4,999 in the first 30 days of opening an account; receive a $250 bonus if you make a direct deposit of $5,000 or more in the first 30 days of opening an account
• Create up to 20 Money Vaults to save for individual savings goals like an emergency fund or vacation
• $4.95 fee each time you deposit cash at a Green Dot location
• To get no-fee overdraft coverage you must have at least $1,000 in direct deposits
• FDIC insured

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

26. Spruce Spending Account

Spruce Spending Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Spruce Banking's website

Spruce Spending Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn more

On Spruce Banking's website

Spruce Spending Account

Learn more

On Spruce Banking's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• 55,000 free ATMs nationwide through the Allpoint ATM network
• To receive Courtesy Coverage, you must make at least $200 in qualifying direct deposits within a 35-day period
• To get a $20 bonus, open a new Spruce bank account before April 20, 2022, and make at least $200 in direct deposits during the first 45 days of opening the account
• Deposits are FDIC insured through MetaBank

27. USAA

USAA Classic Checking

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

0.01% on balances of $1,000 or more

Minimum Deposit Amount

$25

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On USAA's website

USAA Classic Checking

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

0.01% on balances of $1,000 or more

Minimum Deposit Amount

$25

View Full Details

Learn more

On USAA's website

USAA Classic Checking

Learn more

On USAA's website

Details

Annual Percentage Yield (APY)

0.01% on balances of $1,000 or more

Minimum Deposit Amount

$25

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Available to active military, veterans, and military families
• Physical offices in US (AZ, CO, FL, MD, NY, TX, VA); England (London); Germany (Frankfurt); Luxembourg (Luxembourg)
• 1,200 USAA ATMs; 60,000 USAA-preferred ATMs nationwide
• Interest compounded and deposited monthly
• FDIC insured

Additional Reading

Read our review

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28. Varo Checking Account

Varo Checking Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn More

On Varo Bank's website

Varo Checking Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

View Full Details

Learn More

On Varo Bank's website

Varo Checking Account

Learn More

On Varo Bank's website

Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Access to 55,000+ Allpoint ATMs in the US, Puerto Rico, Mexico, Canada, UK, and Australia
• Earn up to 15% cash back at select retailers; see current cash back offers in the Varo app
• When you receive $5 in cash back, the money is automatically deposited into your account
• Qualify for No Fee Overdraft by swiping your debit card 5 times per month, AND receiving at least $1,000 in direct deposits per month
• If you overdraw by more than $50, there will be no fee — your transaction will just be denied
• FDIC insured

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

29. VyStar Credit Union

VyStar Credit Union Free Checking Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

0.10%

Minimum Deposit Amount

$0

View Full Details

Learn more

On VyStar Credit Union's website

VyStar Credit Union Free Checking Account

4/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Annual Percentage Yield (APY)

0.10%

Minimum Deposit Amount

$0

View Full Details

Learn more

On VyStar Credit Union's website

VyStar Credit Union Free Checking Account

Learn more

On VyStar Credit Union's website

Details

Annual Percentage Yield (APY)

0.10%

Minimum Deposit Amount

$0

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• Join VyStar by living or working in certain parts of Florida or Georgia, or by having a relative who is already a member; Active military and veterans are also eligible
• Free access to over 20,000 ATMs in the US, Canada, and Mexico
• If you overdraw from your account you can transfer money from another account for a $29 charge
• Interest compounded and deposited monthly
• Federally insured by the NCUA

Additional Reading

Read our review

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30. Wealthfront Cash Account

Wealthfront Cash Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

3.80%

Minimum Deposit Amount

$1

View Full Details

Learn more

On Wealthfront's website

Wealthfront Cash Account

4.25/5

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Annual Percentage Yield (APY)

3.80%

Minimum Deposit Amount

$1

View Full Details

Learn more

On Wealthfront's website

Wealthfront Cash Account

Learn more

On Wealthfront's website

Details

Annual Percentage Yield (APY)

3.80%

Minimum Deposit Amount

$1

Editor's Rating

A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

4.25 out of 5 Stars

Pros & Cons

Pros

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Check mark iconA check mark. It indicates a confirmation of your intended interaction.

Cons

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Dash iconA dash. It often indicates an interaction to shrink a section.

Highlights

More Information

• FDIC insured for $2 million
• 19,000 free ATMs
• Autopilot feature lets you set maximum account balance, and automatically transfers money into investments if you exceed maximum balance by more than $100
• Interest compounded daily, paid monthly

Additional Reading

Read our review

Read Our ReviewA looong arrow, pointing right

Frequently asked questions

How do banks process your paycheck early? Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

"From a technical standpoint, any bank is capable of getting you your paycheck up to two days early ... but they choose not to because they make money holding your paycheck hostage for a day or two," Kate Wauck, Vice President of Communications for Wealthfront, told Business Insider.

"It's referred to as 'float' which is basically banks double-counting deposits for a short period of time before they clear the transaction so they can earn interest on both of the amounts," she continued. "A bank credits a customer's account as soon as a check is deposited. Until the check clears the account it's drawn on, the amount it's written for 'exists' in two different places, appearing in the accounts of both the recipient's and payer's banks. So a bank will earn interest on the amount twice. So as you can see there isn't huge incentive for banks to speed up the process because of float and their ability to double interest payments."

Some banks choose not to hold onto your direct deposits, though, which can provide incentive for you to bank with the institution.

What are the benefits of early direct deposits? Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

Early direct deposits have two main perks:

• Faster access to your money. This perk especially useful if you're living paycheck to paycheck or have a big bill coming up. At the very least, having your money sooner is convenient.
• Start earning interest sooner. Some banks pay interest on their checking accounts, or you can transfer money from checking to a savings account that earns interest. Thanks to compound interest, every day your money accumulates interest helps you earn more.