- Last updated April 2024
Best Online Checking Accounts Of April 2024
Top checking accounts full of amazing features
✓ Low monthly fees & overdraft fees
✓ Easy 24/7 mobile access
✓ Large ATM networks
9.7
U.S. Bank
Our #1 choice for 2024
Get up to a $700 bonus
- No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs
- Access to U.S. Bank Smart Rewards® to reap additional benefits
9.5
BMO Checking Accounts
Earn up to a $400 cash bonus when you open a personal BMO checking account between December 11, 2023 and May 3, 2024
- $0 monthly maintenance fee with Smart Advantage
- 40,000+ fee-free ATMs nationwide
- Conditions apply. Available in the U.S. BMO Bank N.A. Member-FDIC
Earn up to $400 with BMO
9.1
Barclays
Get a $200 bonus
- No monthly maintenance fees
- No minimum balances to open
- 24/7 online access to your funds
8.8
Fifth Third Bank
$200 new checking account offer
- No hidden fees or minimum balance
- Get your paycheck 2 days early
- 40,000+ free partner ATMs
9.0
HSBC
Most money domestically & globally
- Worldwide fee-free ATM access
- $0 opening deposit
- No overdraft fees
8.5
First Tech Rewards Checking & Savings
Earn 5.00% APY & a $300 bonus
- ATM rebates up to $15 per month
- No monthly account fees
- 30,000+ fee-free ATMs
250,000+ people
have chosen a new account using SmartWealthTrends!
SmartScore
The SmartScore consists of a combination of the following 2 components:
SmartWealthTrends uses community feedback as one of the components to determine the quality of a service or product that is ranked on our lists.
SmartWealthTrends uses our individual analysis on the various products and services we review to determine how helpful they are to potential new users.
Editorial Reviews
HSBC
Learn more
Best Checking Account Of 2024
9.7
U.S. Bank
Best bank bonus of 2024
Get up to a $700 bonus
- Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.
- Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Disclosures:
U.S. Bank
Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.
Earn up to $500 with a new Bank Smartly Checking account.
Complete the following within 90 days of account opening:
•Enroll in online banking or the U.S. Bank Mobile App
•Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500
Earn up to $200 with a new Standard Savings account.
•Make new money deposit(s) totaling $15,000 or more by July 17, 2024 •Maintain that balance until October 31, 2024
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Chase Total Checking®
New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.
Chase Private Client Checking℠
Chase Private Client has no monthly service fee when you keep an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances, OR have a linked Chase Platinum Business Checking account. Otherwise, a $35 monthly service fee will apply. Eligible accounts exclude Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing accounts, J.P. Morgan Wealth Management retirement accounts, and CDs.
KeyBank
Earn $200 after qualified activities until 7.19.24 with the no-monthly-maintenance-fee Key Smart Checking®.
Open a Key Smart Checking® account online by July 19, 2024.
Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening.
HSBC
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
*Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, NA.
