What is a good interest rate for a checking account?

The national average interest rate for a checking account is currently 0.03% and a savings account is currently 0.07%. This is the average of rates paid by all insured depository institutions and credit unions for which data is available. Any account that pays more than this would be considered above average or high.

Do online checking accounts earn more interest?

Online banks typically pay more interest than brick-and-mortar banks. This is because they have fewer overhead costs. In addition, they need higher rates in order to attract more customers.

Do any debit cards earn rewards?

Debit cards generally do not earn rewards like a credit card. There are banks and credit unions however that provide cash back on certain debit cards. Terms depend on the bank and debit card program. Quontic offers Bitcoin rewards for debit card transactions.

8 Best High-Yield Checking Accounts You Don't Want to Miss

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page. APY = Annual Percentage Yield. APYs are subject to change at any time without notice.

A high-yield checking account offers a high annual percentage yield (APY), like a savings account combined with the convenient access of a standard checking account.

Our 2 featured high-yield checking accounts

Axos Bank Rewards Checking: 0.40% (up to 3.30%) APY
Quontic High Interest Checking: up to 1.10% APY

Why you can trust The Motley Fool Ascent
We pride ourselves on being able to confidently say that these checking accounts are chosen by personal finance experts that operate independently of our Partnerships team, meaning the picks on this page are not and never have been influenced by advertising deals.
Our Ratings team:
- Assessed 100+ banking institutions (see the full list here)
- Evaluated checking accounts by brand reputation, fees, APY, and perks (see our full checking account methodology here)
- Rated each high-yield checking account here on a five-star scale
- Reevaluate products on this page quarterly

Our full list of the best high-interest checking accounts

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Ratings Methodology

Rates as of Jun 26, 2024

2024 Award Winner

Axos Bank Rewards Checking

Open Account for Axos Bank Rewards Checking

Member FDIC.

Rating image, 4.25 out of 5 stars.

4.25/5

Rating image, 4.25 out of 5 stars.

4.25/5

Open Account for Axos Bank Rewards Checking

offer alert

Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.

APY

0.40% (up to 3.30%)

Min. To Earn APY

Monthly direct deposits totaling at least $1,500

Pros/Cons

High checking account APY
Unlimited ATM fee reimbursements
No monthly maintenance, NSF, or overdraft fees
No monthly balance requirements
Cash back checking option

Must meet certain requirements to earn the highest interest tier
Low savings and CD APYs compared to competitors

Bottom Line

Axos is an online-only bank, and it offers unlimited domestic ATM reimbursements.There are zero monthly maintenance fees, zero overdraft or NSF fees, and zero monthly balance requirements.

Rewards Checking disclosure:

To be eligible to earn all or a portion of the cash incentive as part of the promotional offer "RC500," an application for a Rewards Checking account must be submitted between 06/20/2024 at 12:00 am PT and 07/31/24 at 11:59 pm PT.

Axos Bank reserves the right to limit each primary account holder to one (1) checking account promotional offer per year. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below:

Rewards Checking bonus up to $500: You must be approved for your new Rewards Checking account and fund it within 60 days of account opening. An incentive of up to $500 can be earned during the first six (6) statement cycles, starting in the statement cycle thirty (30) days after the account is opened. A statement cycle is a calendar month consisting of at least one day your account was open during that month. You can earn a maximum of five (5) payouts during the six (6) statement cycles, and the incentive will be deposited into the qualifying account within 15 business days following the end of the statement cycle in which the requirements were met.

$100 will be earned for each statement cycle, up to $500, when you meet two requirements during that statement cycle: 1) your Rewards Checking account receives qualifying direct deposits at least $1,500.00 in total, and 2) the average daily balance in your Rewards Checking account is at least $3,000.

Your Rewards Checking account must remain open and in good standing at the time the incentive is paid to be eligible.

A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit. Account transactions may take one or more business days from the transaction date to post to the account.

Read Full Review

Quontic High Interest Checking

Open Account for Quontic High Interest Checking

Member FDIC.

Rating image, 4.00 out of 5 stars.

4.00/5

Rating image, 4.00 out of 5 stars.

4.00/5

Open Account for Quontic High Interest Checking

High APY when you complete 10 or more qualifying debit card purchases each month

APY

up to 1.10%

Min. To Earn APY

$1

Pros/Cons

High checking APY
One of the highest APY for CDs and savings account
No monthly fees, overdraft, or NSF fees
Comes with a debit card
Large fee-free ATM network
Quontic Pay Ring: the nation's first wearable payment ring

Must meet monthly transaction requirements to earn higher interest tier
Limited CD terms
No physical branches

Bottom Line

Quontic is an online bank with over 90,000 fee-free ATM locations. There are no monthly or overdraft fees. Interest is compounded daily and deposited into your account each month based on your account daily balance and satisfying the point-of-sale eligible transactions requirements per statement cycle.

10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY. If the qualifying activity requirement is not fulfilled, the interest rate paid on the entire balance will be 0.01% APY.

Read Full Review

Wealthfront Cash Account

Read Review

Member FDIC.

Rating image, 4.50 out of 5 stars.

4.50/5

Rating image, 4.50 out of 5 stars.

4.50/5

Read Review

APY

5.00%

Min. To Earn APY

$0

Pros/Cons

High APY
Fee-free cash withdrawals at 19,000 ATMs
Two-day early direct deposit for paychecks
Automated saving and investing tools
Complimentary debit card
No transaction limits
FDIC protection

No branches
No ATM fee reimbursement

Bottom Line

Wealthfront is a robo-advisor that has partnered with other banks to offer banking services and offers up to $1 million in FDIC insurance. There are no account fees or overdraft fees, and you can get instant transfers to your investment portfolio.

Alliant High Rate Checking

Read Review

Rating image, 4.50 out of 5 stars.

4.50/5

Rating image, 4.50 out of 5 stars.

4.50/5

Read Review

APY

0.25%

Min. To Earn APY

$1

Pros/Cons

No monthly fees or overdraft fees
No monthly minimum balance requirements
Network of 80,000 ATMs
Reimburses up to $20 ATM fees
No monthly fees, overdraft fees, and no monthly minimum balance requirements

No physical branches
Higher APY available at other financial institutions
Need to meet certain requirements to receive the dividend

Bottom Line

Alliant is an online-only credit union based out of Chicago; however, anyone can qualify for membership. There is no monthly maintenance fee, no overdraft fees, and no monthly minimum balance requirement. To qualify for the high-yield account, you only need to meet two monthly requirements.

Ally Spending Account

Read Review

Member FDIC.

Rating image, 4.50 out of 5 stars.

4.50/5

Rating image, 4.50 out of 5 stars.

4.50/5

Read Review

APY

up to 0.25%

Min. To Earn APY

$1

Pros/Cons

Strong online and mobile tools
No monthly maintenance or overdraft fees
Monthly ATM fee reimbursements
Competitive APY
Early direct deposit

Higher APY available at other financial institutions
No physical locations
No cash deposits

Bottom Line

Ally is an online-only bank with a top-rated mobile app. While it has no physical locations, it has over 43,000 fee-free Allpoint ATM locations and reimburses ATM fees up to $10 per statement cycle. Ally also offers free standard and official checks, as well as free domestic and international wire transfers.

Connexus Credit Union Teen Checking

Rating image, 4.00 out of 5 stars.

4.00/5

Rating image, 4.00 out of 5 stars.

4.00/5

APY

2.00%

Min. To Earn APY

Varies

Pros/Cons

High APY
No monthly maintenance fee or minimum opening deposit
Out-of-network ATM fees reimbursed

High overdraft fees
Interest compounded monthly
1.75% APY on balances up to $25,000 and 0.25% on any amount over.

Bottom Line

Members age 10 to 17 are eligible for a Teen Checking Account. When members turn 18, the Teen account will automatically transition into an Innovative Checking Account. There are no minimum requirements to earn the APY, and teens will receive a free debit card with access to over 54,000 fee-free ATMs.

Consumers Credit Union Rewards Checking

Rating image, 4.00 out of 5 stars.

4.00/5

Rating image, 4.00 out of 5 stars.

4.00/5

APY

up to 5.00%

Min. To Earn APY

Varies

Pros/Cons

Above-average APY
Unlimited reimbursement for any and all ATM fees
Unlimited check writing
Early direct deposit
Online and mobile banking tools

High APY comes with strings attached
Only balances up to $10,000 earn high APY
Need to be a member

Bottom Line

Consumers Credit Union is a credit union based out of Chicago; however, anyone can qualify for membership. The bank offers unlimited reimbursement for all ATM fees. There are no monthly fees, no minimum deposit and balance requirements, and customers can get paid two days early with early direct deposit.

Liberty Federal Credit Union Vertical Checking

Rating image, 4.00 out of 5 stars.

4.00/5

Rating image, 4.00 out of 5 stars.

4.00/5

APY

Up to 3.45%

Min. To Earn APY

Varies

Pros/Cons

High APY
No monthly maintenance fees
$15 reimbursement for ATM fees

No APY paid out over $20,000
$25 minimum deposit required to open an account.

Bottom Line

There are thousands of ways to be eligible for Liberty Federal Credit Union. The credit union offers a high APY that is compounded monthly.

How to choose the best high-yield checking account

In exchange for the high APY and rewards, many high-yield checking accounts charge a monthly fee or require a minimum deposit, high minimum balance, or have other requirements. The fee may outweigh the rewards or the minimum requirements may be difficult to meet. It is important to check to see if it is worth signing up for a high-yield checking account.

Here are other factors to consider.

High APY, cash back rewards, or other additional perks

When looking for the best high-yield checking account, look at the rate and rewards offered. Is the APY large enough that makes it worth it to open the account? If the rate difference is minimal, then it may make sense to stick with a standard account that has no requirements.

Are the requirements easy to meet? Do you use direct deposit? Some banks and credit unions require you to open a credit card with the bank as well. Check to see how much you keep in your checking account on average and the number of transactions you make. Then compare it to the minimum requirements.

Fees and minimum requirements

There are many other checking account fees that a bank or a credit union can charge. These fees can eat into any gain in high interest. Some banks also require a high minimum balance to qualify for the account. Customers who don't meet the minimum requirements will often have to pay the monthly service fee.

Customer service

It is important to find a bank that offers easily accessible customer service. Online-only banks do not have any branches so the only way to contact the bank is through online chat, email, or phone support. If you still prefer face-to-face customer service, you may want a bank with a physical branch.

Nationwide availability (Physical locations or mobile access)

You should choose a bank based on your preference and what is important to you. Some large banks have branches nationwide. Online banks don't have physical branches but they tend to have lower fees and offer a higher APY. Check to see if their online banking and mobile apps are robust and meet your needs.

ATM network or generous ATM fee reimbursement program

Some banks have a limited number of fee-free ATMs. If you use an out-of-network ATM, you will be charged a fee. Look for banks with a large number of fee-free ATMs or banks that offer generous ATM fee reimbursements.

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Compare the best high-yield checking accounts

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Ratings Methodology

Rates as of Jun 26, 2024

Offer	APY	Minimum to Earn APY	Rating	Promotion	Next Steps
2024 Award Winner Axos Bank Rewards Checking Open Account for Axos Bank Rewards Checking Member FDIC. Rating image, 4.25 out of 5 stars. 4.25/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Disclaimer	0.40% (up to 3.30%) Rate info Min. to earn: Monthly direct deposits totaling at least $1,500	Rating image, 4.25 out of 5 stars. 4.25/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Monthly direct deposits totaling at least $1,500	Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.	Open Account for Axos Bank Rewards Checking offer alert Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.
*Rewards Checking disclosure:* To be eligible to earn all or a portion of the cash incentive as part of the promotional offer "RC500," an application for a Rewards Checking account must be submitted between 06/20/2024 at 12:00 am PT and 07/31/24 at 11:59 pm PT. Axos Bank reserves the right to limit each primary account holder to one (1) checking account promotional offer per year. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below: Rewards Checking bonus up to $500: You must be approved for your new Rewards Checking account and fund it within 60 days of account opening. An incentive of up to $500 can be earned during the first six (6) statement cycles, starting in the statement cycle thirty (30) days after the account is opened. A statement cycle is a calendar month consisting of at least one day your account was open during that month. You can earn a maximum of five (5) payouts during the six (6) statement cycles, and the incentive will be deposited into the qualifying account within 15 business days following the end of the statement cycle in which the requirements were met. $100 will be earned for each statement cycle, up to $500, when you meet two requirements during that statement cycle: 1) your Rewards Checking account receives qualifying direct deposits at least $1,500.00 in total, and 2) the average daily balance in your Rewards Checking account is at least $3,000. Your Rewards Checking account must remain open and in good standing at the time the incentive is paid to be eligible. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit. Account transactions may take one or more business days from the transaction date to post to the account.				*Rewards Checking disclosure:* To be eligible to earn all or a portion of the cash incentive as part of the promotional offer "RC500," an application for a Rewards Checking account must be submitted between 06/20/2024 at 12:00 am PT and 07/31/24 at 11:59 pm PT. Axos Bank reserves the right to limit each primary account holder to one (1) checking account promotional offer per year. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below: Rewards Checking bonus up to $500: You must be approved for your new Rewards Checking account and fund it within 60 days of account opening. An incentive of up to $500 can be earned during the first six (6) statement cycles, starting in the statement cycle thirty (30) days after the account is opened. A statement cycle is a calendar month consisting of at least one day your account was open during that month. You can earn a maximum of five (5) payouts during the six (6) statement cycles, and the incentive will be deposited into the qualifying account within 15 business days following the end of the statement cycle in which the requirements were met. $100 will be earned for each statement cycle, up to $500, when you meet two requirements during that statement cycle: 1) your Rewards Checking account receives qualifying direct deposits at least $1,500.00 in total, and 2) the average daily balance in your Rewards Checking account is at least $3,000. Your Rewards Checking account must remain open and in good standing at the time the incentive is paid to be eligible. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit. Account transactions may take one or more business days from the transaction date to post to the account.
Quontic High Interest Checking Open Account for Quontic High Interest Checking Member FDIC. Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Disclaimer	up to 1.10% Min. to earn: $1	Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	$1	High APY when you complete 10 or more qualifying debit card purchases each month	Open Account for Quontic High Interest Checking High APY when you complete 10 or more qualifying debit card purchases each month
10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY. If the qualifying activity requirement is not fulfilled, the interest rate paid on the entire balance will be 0.01% APY.				10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY. If the qualifying activity requirement is not fulfilled, the interest rate paid on the entire balance will be 0.01% APY.
Wealthfront Cash Account Read Review Member FDIC. Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	5.00% Min. to earn: $0	Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	$0	N/A	Read Review
Alliant High Rate Checking Read Review Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	0.25% Min. to earn: $1	Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	$1	N/A	Read Review
Ally Spending Account Read Review Member FDIC. Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	up to 0.25% Min. to earn: $1	Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	$1	N/A	Read Review
Connexus Credit Union Teen Checking Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	2.00% Min. to earn: Varies	Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Varies	N/A
Consumers Credit Union Rewards Checking Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	up to 5.00% Min. to earn: Varies	Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Varies	N/A
Liberty Federal Credit Union Vertical Checking Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Up to 3.45% Min. to earn: Varies	Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Varies	N/A

What is a high-yield checking account?

A high-yield checking account offers a higher APY than a standard checking account. High-yield checking accounts typically require a higher minimum balance, certain transaction volume, direct deposit, and other requirements to qualify for the higher rates. They offer a similar APY to a savings account but are designed for everyday use.

Some banks and credit unions call a high-yield checking account a rewards or high-interest checking account. A rewards checking account is a standard checking account that offers rewards such as high APY, cash back on debit card purchases, or sign-on bonuses for new customers.

Pros and cons of high-yield checking accounts

A high-yield checking account may be worth it if you can easily meet the minimum requirements. This account is best if you keep high balances of cash in your account and want to conduct everyday transactions. Standard checking accounts offer very little interest, so a high-yield checking account can help you earn more money while having easy access to your money.

While the best high-yield checking accounts generally offer higher earning potential, they require a high minimum balance, a minimum number of transactions, and they may charge higher fees. If it is difficult to meet the requirements, it may make sense to use a high-yield savings account to get a high APY and use a standard checking account for everyday transactions. In today's low interest environment, a high-yield account will beat a regular checking account, but it isn't right for everyone.

Keep browsing our checking account top picks

Our checking account methodology

At The Motley Fool Ascent, we rate checking accounts on a five-star scale (1 = poor, 5 = best). We evaluate all checking accounts across four main criteria: brand and reputation, APY and rewards, fees and minimum requirements, and perks.

Our scores are weighted as:

Brand and reputation: 40%
APY and rewards: 30%
Fees and minimums: 15%
Other perks: 15%

Our aim is to maintain a balanced list featuring top-scoring products from reputable brands offering standout features. Learn more about how The Motley Fool Ascent rates bank accounts.

Banks we monitor

Here are the 100+ financial institutions we've evaluated in our research:

Alliant, Ally, All America Bank, American First Credit Union, American Express® National Bank, Arvest Bank, Aspiration, Axos Bank, B2 Bank, Bank of America, Bank5 Connect, Bank7, Barclays, Bask Bank, Betterment, Bluevine, BMO, Bread Financial, Capital One, Carver Federal Savings Bank, Charles Schwab Bank, Chase, Chime, CIT, Citibank, Citizens Bank, Citizens Savings Bank, Columbia Bank, Connexus Credit Union, Consumers Credit Union, Copper, Cross River Bank, Customers Bank, Discover® Bank, E*TRADEEdward Jones, EverBank, Fidelity, Fifth Third Bank, First Foundation Bank, First Internet Bank of Indiana, First National Bank, First Tech Federal Credit Union, Flushing Bank, Freedom Bank, Generations Bank, GN Bank, Golden 1 Credit Union, Greenlight, Harborstone Credit Union, HSBC, Huntington Bank, Ivella, Kabbage by American Express, KeyBank, Laurel Road, LendingClub, Liberty Bank, Liberty Federal Credit Union, Marcus by Goldman Sachs, Mercury, Municipal Credit Union, Mutual of Omaha, NASA Federal Credit Union, Nationwide Bank, Navy Federal Credit Union, NBKC Bank, New York Community Bank, Northpointe Bank, Novo, OceanFirst Bank, Old National Bank, ONE Finance, OneUnited Bank, Oxygen, Pacific Western Bank, PNC Bank, Ponce Bank, Popular Direct, Presidential Bank, Prime Alliance Bank, Quontic, Radius, Raisin, Redneck Bank, Regions Bank, Relay, Republic Bank of Chicago, Revolut, Salem Five Bank, Sallie Mae, Santander Bank, SchoolsFirst Federal Credit Union, Simple, SoFi, Synchrony Bank, Tab Bank, TD Bank, Third Federal, Truist Bank, U.S. Bank, UFB, Upgrade, USAA, Valley Bank, Vanguard, Varo Bank, Vio Bank, Wealthfront, Wells Fargo, Western Alliance Bank, and Zeta.

FAQs

The national average interest rate for a checking account is currently 0.03% and a savings account is currently 0.07%. This is the average of rates paid by all insured depository institutions and credit unions for which data is available. Any account that pays more than this would be considered above average or high.
Online banks typically pay more interest than brick-and-mortar banks. This is because they have fewer overhead costs. In addition, they need higher rates in order to attract more customers.
Debit cards generally do not earn rewards like a credit card. There are banks and credit unions however that provide cash back on certain debit cards. Terms depend on the bank and debit card program. Quontic offers Bitcoin rewards for debit card transactions.

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Best High-Yield Checking Accounts

Our 2 featured high-yield checking accounts

Why you can trust The Motley Fool Ascent

Our full list of the best high-interest checking accounts

How to choose the best high-yield checking account

High APY, cash back rewards, or other additional perks

Fees and minimum requirements

Customer service

Nationwide availability (Physical locations or mobile access)

ATM network or generous ATM fee reimbursement program

Compare the best high-yield checking accounts

What is a high-yield checking account?

Pros and cons of high-yield checking accounts

Keep browsing our checking account top picks

Our checking account methodology

Banks we monitor

FAQs