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20 Best Rewards Checking Accounts of 2021


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How does your bank or credit union checking account stack up to the most generous rewards checking accounts on the market?

If you can’t find your account on this list, it might be time to shop around for one that makes it worthwhile to park your walking-around money in.

You have plenty of options, from checking accounts with impressive yields to accounts with eye-popping account opening bonuses to accounts with debit cards that earn rewards on every dollar spent.

Best Rewards Checking Accounts

These are among the best rewards checking accounts from U.S.-based financial institutions, including banks, credit unions, and online brokerages.

Many of these accounts also appear on our roundups of the best free checking accounts and best checking accounts with monthly service fees (which you can generally avoid with minimum balances or transaction volumes).

Others appear on our list of the best new bank account promotions.

Because account opening promotions, yields, and rewards programs are all subject to change without notice, check back here frequently for the latest information and confirm specific details with the relevant banks or credit unions themselves.


1. Citi Elevate Checking

Earn Up to 0.25% APY, Depending on Balance

Citibank Logo

Citi Elevate checking is an online checking account with a no-nonsense “reward”: an impressive yield on high balances (several times the national average for checking accounts).

Unlimited waived and reimbursed ATM fees, nonexistent minimums, mobile check deposits, and fast peer-to-peer (P2P) payments further sweeten the deal.

Use the Spending Insights tool to drill down on your spending patterns and find opportunities to right-size your budget.

  • Account Opening Bonus: None.
  • Yield: 0.05% APY on balances up to $9,999.99, 0.10% APY on balances from $10,000 to $24,999.99, and 0.25% APY on balances above $25,000.
  • Minimum Deposit and Balance Requirements: To waive the $15 monthly maintenance fee, you need to maintain an average monthly balance of $5,000. There’s no minimum account opening deposit, however.
  • Rewards and Incentives: Enjoy unlimited ATM fee waivers and reimbursements worldwide.


2. Chase Total Checking®

Earn a $225 Account Opening Bonus After Completing Qualifying Activities (Must Apply by Oct. 18, 2021)

chase bank logo

Chase Total Checking® isn’t just a super-convenient checking account with one of the biggest branch and ATM networks around.

It’s also one of the best rewards checking accounts on the market thanks to a $225 account opening bonus opportunity that couldn’t be easier to achieve with qualifying activities.

To earn this bonus, simply open your account using the links above or below. If you prefer, you can enter your email here and take the coupon to your local Chase branch.

Then, once your account is open, set up direct deposit within 90 days of coupon enrollment. You’ll receive a $225 bonus within 15 business days. You must apply by Jan. 19, 2022, to qualify.

Moving forward, you can avoid the $12 monthly maintenance fee in any statement period by doing one of the following during that period:

  • Have direct deposits made into this account totaling $500 or more, OR
  • Keep a balance at the beginning of each day of $1,500 or more in your checking account, OR
  • Keep an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other eligible balances, OR
  • Pay at least $25 or more in qualifying checking-related services or fees

Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer is available online nationwide, except for residents of AK, HI, and Puerto Rico.

  • Minimum Deposit and Balance Requirements: A $12 monthly maintenance fee applies in statement cycles when you don’t meet direct deposit or balance requirements (see possible fees below).
  • Account Opening Bonus: Open a new Chase Total Checking account by Jan. 19, 2022. Set up direct deposit within 90 days of coupon enrollment. If you complete these qualifying activities, you’ll receive a $225 bonus within 15 business days.
  • Rewards and Incentives: Enjoy the convenience of more than 16,000 ATMs and 4,700 branch locations.

Apply Now


3. Huntington Bank Asterisk-Free Checking®

Limited-Time Offer: $150 Account Opening Bonus With Qualifying Activities

Huntington Bank Asterisk-Free Checking® is a maintenance-fee-free checking account with no minimum deposit or balance requirements.

It’s a perfect first checking account that includes all the benefits seasoned Huntington Bank customers expect: tracking tools for day-to-day spending and financial goals (The Hub), 24-Hour Grace® (extra time to deposit funds to avoid an overdraft fee), online bill pay, and more.

  • Minimum Deposit and Balance Requirements: Huntington Bank Asterisk-Free Checking® does not require a minimum opening deposit or ongoing balance.
  • Account Opening Bonus: Open a Huntington Asterisk-Free Checking® account between June 1, 2021, and Oct. 7, 2021, and earn $150 when you make cumulative new money deposits of at least $1,000 within 60 days of account opening and keep your account open for a minimum of 90 days. You should receive the bonus in your new account within 14 days of completing these qualifying activities.
  • Yield: None.
  • Rewards and Incentives: Huntington Bank waives fees and minimum balance requirements on Premier Savings accounts for customers who also have Huntington checking accounts. Otherwise, the Premier Savings account has a $4 monthly maintenance fee with an average daily balance of $300.

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4. Huntington Bank Huntington 5 Checking®

Limited-Time Offer: $200 Account Opening Bonus With Qualifying Activities

Huntington Bank Huntington 5 Checking® is an interest-bearing account with no minimum deposit to open.

Huntington 5 account holders with connected consumer accounts enjoy relationship benefits based on balances in all shared accounts, whether owned individually or jointly with someone else.

  • Minimum Deposit and Balance Requirements: There’s no minimum deposit to open this account. To avoid the $5 monthly maintenance fee, maintain at least $5,000 in total relationship balances‡.
  • Account Opening Bonus: Open a Huntington 5 Checking® account between June 1, 2021, and Oct. 7, 2021, and earn $200 when you make cumulative new money deposits of at least $1,000 within 60 days of account opening and keep your account open for a minimum of 90 days. You should receive the bonus in your new account within 14 days of completing these qualifying activities.
  • Yield: See disclosures for current yield information.
  • Rewards and Incentives: Each statement period, Huntington Bank waives up to five non-Huntington ATM withdrawal fees and reimburses associated fees charged by another ATM owner.+ Plus, get 1.05% cash back on purchases made with your linked Voice Credit Card with Rewards.#

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5. Huntington Bank Huntington 25 Checking®

Limited-Time Offer: $500 Account Opening Bonus With Qualifying Activities

Huntington Bank Huntington 25 Checking® is a super-generous checking account with free checks, unlimited ATM fee waivers at non-Huntington ATMs, and special relationship discount opportunities for qualifying Huntington mortgage, home equity, and investment clients.

  • Minimum Deposit and Balance Requirements: To avoid the $25 monthly maintenance fee, maintain at least $25,000 in total relationship balances‡.
  • Account Opening Bonus: Open a Huntington 25 Checking® account between June 1, 2021, and Oct. 7, 2021, and earn $500 when you make cumulative new money deposits of at least $15,000 within 60 days of account opening and keep your account open for a minimum of 90 days. You should receive the bonus in your new account within 14 days of completing these qualifying activities.
  • Yield: See disclosures for current yield information.
  • Rewards and Incentives: Huntington 25 offers some great relationship benefits. The HELOC relationship discount delivers a 0.15% to 0.50% rate discount on a qualifying home equity line of credit plus an annual fee waiver.Ω The mortgage relationship discount shaves up to 0.375% off portfolio loans or pricing discounts on saleable loans.≠ And the investments relationship discount includes 100 commission-free online equity and/or ETF trades per year ($6.95 commission thereafter) through Huntington Financial Advisors®.Ⱡ

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6. Varo Bank Account

Earn Up to 3.00% APY With Qualifying Activities, Depending on Balance

Varo Bank Logo

The Varo Bank Account‘s savings component has one of the highest bank account yields on the market.

To earn 3.00% APY* on balances up to $5,000 in a Varo savings account linked to the Varo checking account, you just need to meet Varo’s three easy requirements:

  • Complete at least five Varo Visa debit card purchases in each calendar month
  • Receive at least $1,000 in total direct deposits into your account in the same calendar month
  • Keep a savings account balance up to $5,000 (the maximum to earn 3.00% APY) and a checking account balance greater than $0.

If you don’t meet these requirements, you earn 0.20% APY* on your Varo savings account balance.

Beyond the excellent yield, Varo has some notable benefits, including an early direct deposit option that could get you your paycheck up to two days early^ if your employer or government benefits provider files to the Federal Reserve to start the direct deposit process.

You can also count on no-fee overdrafts up to $50 when you qualify for and enroll in the no-fee overdraft program. Qualify by completing at least five Varo Visa debit card purchases in each calendar month and receiving at least $1,000 in total direct deposits into your account in the same calendar month.

  • Yield: Open a Varo Bank Account, then open a Varo savings account to earn up to 3.00% APY on your savings account balance. To earn 3.00% APY, you must meet all the following three requirements during a statement cycle: complete at least five Varo Visa debit card purchases in each calendar month, receive at least $1,000 in total direct deposits into your account in the same calendar month, and keep a savings account balance up to $5,000 (the maximum to earn 3.00% APY). Otherwise, you earn 0.20% APY* on your Varo savings account balance.
  • Minimum Deposit and Balance Requirements: There’s no minimum deposit or ongoing balance requirement.
  • Account Opening Bonus: There’s currently no account opening bonus. Check back for the latest offers.
  • Rewards and Incentives: Pay no overdraft fees or interest on overdrafts up to $50 when you qualify and enroll in the program. To qualify, complete at least five Varo Visa® debit card purchases in each calendar month and receive at least $1,000 in total direct deposits into your account in the same calendar month. Plus, enjoy direct deposited paychecks up to two days early^ when your employer files to the Federal Reserve to start the direct deposit process. Terms apply.

Learn More

* Varo APY is accurate as of March 23, 2021. This rate is variable and may change. No minimum balance required to open an account. Balance in the savings account must be at least $0.01 to earn interest.
**The qualifying period begins the first calendar day of the month and ends at close of business on the last business day of the month.
^ Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. Varo generally posts such deposits on the day they’re received, which may be up to two days earlier than the payer’s scheduled payment date.
Bank Account Services provided by Varo Bank, N.A. Member FDIC. Visa® Debit Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted.


7. Go2bank

Go2bank Logo

Earn Up to 7% Cash Back When You Buy eGift Cards in the App1; 1% APY2 Paid Quarterly on Savings Up to $5,000

Go2bank boasts a customer-friendly online bank account with an impressive yield on savings (1% APY on savings up to $5,000) and up to 7% cash back on eligible electronic gift card purchases in the app.

Set up eligible direct deposit to avoid the $5 monthly fee with eligible direct deposit and get paid up to two days early with ASAP Direct DepositTM 3.

Plus, deposit cash at participating retail stores (fees and deposit limits may apply) and enjoy up to $200 in overdraft protection with opt-in and eligible direct deposit. Overdrafts are paid at Go2bank’s discretion. Terms and conditions apply.

  • Minimum Deposit and Balance Requirements: None.
  • Yield: Earn 1% APY1 on savings up to $5,000.
  • Rewards and Incentives: Earn up to 7% cash back on eGift Card purchases made in the app (3% cash back on Amazon gift card purchases). Plus, get paid up to two days early with ASAP Direct DepositTM 3.
  • Possible Fees: You can avoid the $5 monthly fee with an eligible direct deposit. A $15 fee may apply to each overdraft transaction not repaid within 24 hours of authorization of the first transaction that overdrafts the account. See other simple fees at GO2bank.com.

Learn More

1Active GO2bank account required to receive an eGift Card. eGift Card merchants subject to change.
2GO2bank, Member FDIC. Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. 1% Annual Percentage Yield (APY) as of January 2021. APY may change before or after you open an account. Fees on your primary deposit account may reduce earnings on your savings account.
3Direct deposit early availability depends on the timing of the payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account exactly or we will decline your deposit.


8. SoFi Money

Virtually No Fees; FDIC Insurance on Balances Up to $1.5 Million

SoFi Review

SoFi Money has virtually no fees and boasts an excellent account opening bonus that qualifies as one of the best new bank promotions around.

As a cash management account, SoFi Money has an unusually high FDIC insurance limit (covering balances up to $1.5 million).

And be sure to check out SoFi’s extensive credit product lineup if you’re in the market for a new loan. They offer student loan refinancingpersonal loans, home loans, and more.

  • Minimum Deposit and Balance Requirements: None.
  • Yield: See SoFi’s website for the latest yields.
  • Rewards and Incentives: Get $100 when you sign up for SoFi Money and complete qualifying activities. Moving forward, you’ll get rate discounts on SoFi loans and enjoy free P2P transfers, customized financial planning, and exclusive offers from SoFi partners. Refer friends (see referral program details) to earn up to $310 per successful referral.
  • Possible Fees: Virtually none. See SoFi Money’s account disclosures for more details.

Apply Now


9. TD Bank Beyond Checking

$300 Account Opening Bonus With Qualifying Activities

td bank

The $300 account opening bonus for the TD Bank Beyond Checking account isn’t quite as generous as some other new bank account promotions. But it’s definitely worth the effort to obtain.

Here’s what you need to know about it: First, open a new Beyond Checking account and set up direct deposit. Then, receive direct deposits of more than $2,500 into your new account within 60 days. That’s all you need to do to receive a $300 cash bonus.

To qualify for this offer, you must be a U.S. resident and apply for the offer online. The Beyond Checking account includes a $25 monthly maintenance fee.

But TD Bank waives it for customers with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts.

This offer isn’t available everywhere. You only qualify if you live in one of the following states or districts: CT; DE; FL; ME; MD; MA; NH; NJ; NY; NC; PA; RI; SC; VT; VA; or Washington, D.C.

  • Account Opening Bonus: Earn a $300 cash bonus when you open a new account and receive direct deposits of more than $2,500 into the account within 60 days.
  • Yield: None.
  • Minimum Deposit and Balance Requirements: TD waives the $25 monthly maintenance fee with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts.
  • Rewards and Incentives: Get overdraft fees automatically reimbursed twice per year. Plus, TD Bank waives its ATM fees and reimburses non-TD ATM fees when you keep at least a $2,500 daily balance in your account. TD Bank also boasts a nice lineup of low-fee credit card options.

Learn More


10. TD Bank Convenience Checking

$150 Account Opening Bonus With Qualifying Activities

td bank

As an alternative to the TD Bank Beyond Checking account, you can apply online for a new TD Bank Convenience checking account, which has a much lower minimum balance requirement. You get a $150 cash bonus once you receive direct deposits of more than $500 within 60 days.

To qualify for this offer, you must be a U.S. resident and apply for the offer online. The Convenience Checking account typically includes a $15 monthly maintenance fee, but TD Bank waives it if you keep a low minimum daily balance of at least $100.

Students and young adults ages 17 through 23 qualify for additional perks, such as no monthly maintenance fee and no minimum balance requirements.

This offer is available to residents of the following states: CT; DE; FL; ME, MD; NH; NJ; NY; NC; PA; RI; SC; VT; VA; and Washington, D.C.

  • Account Opening Bonus: Receive direct deposits of more than $500 within 60 days to qualify for a $150 account opening bonus.
  • Yield: See disclosures for current yield information.
  • Minimum Deposit and Balance Requirements: There’s no minimum opening deposit. To waive the $15 monthly maintenance fee, you need to maintain an average monthly balance of $100.
  • Rewards and Incentives: Enjoy unlimited ATM fee waivers at TD ATMs, plus the opportunity to apply for a low-cost TD credit card.

Learn More


11. Acorns Checking

Earn a $75 Bonus After Completing Qualifying Activities (Offer Ends Sept. 30, 2021)

Acorns Logo

Acorns Checking is a digital checking account that integrates seamlessly with Acorns’ beginner-friendly investing platform and makes it easier to save more of what you earn.

For a limited time, new and existing Acorns Checking customers may qualify for a nice bonus opportunity after completing qualifying activities. Just do the following:

  1. If you don’t already have an Acorns Checking account, set one up using the link on this page.
  2. Make Acorns Checking your default direct deposit method with your employer.
  3. Receive two direct deposits of at least $250 per deposit by Sept. 30, 2021.

After completing these activities, you should receive your $75 bonus in your account within 45 days. This offer is available to new and existing Acorns Checking account holders who’ve never set up direct deposit on the platform.

  • Minimum Deposit and Balance Requirements: There’s no official minimum deposit requirement. A balance of $5 or more is required to begin investing.
  • Account Opening Bonus: Earn a $75 bonus when you open an Acorns Checking account and set up direct deposit or set up direct deposit on an existing Acorns Checking account for the first time. You must receive your two qualifying direct deposits by Sept. 30, 2021.
  • Yield: None.
  • Rewards and Incentives: Acorns Checking account holders pay no fees at more than 55,000 ATMs in the U.S. and worldwide and can earn up to 10% bonus investments (see terms).
  • Possible Fees: Acorns has two paid plans: Acorns Personal ($3 per month) and Acorns Family ($5 per month).

Learn More


12. LendingClub Bank Rewards Checking

Earn Up to 0.15% APY, Depending on Balance, and 1% Cash Back (1.5% Cash Back With Select Merchants)

The LendingClub Bank Rewards Checking account has a nice perk for debit card users: an unlimited 1% cash-back reward on online and signature-based debit card transactions, plus 1.5% cash back with select merchants in categories such as health and food delivery.

Plus, all balances above $2,500 earn at least 0.10% APY. The yield rises to 0.15% APY for high-balance accounts, making this a true interest checking account.

On both fronts, there’s a bit of a catch. To earn cash back and 0.10% APY on balances, you must maintain a minimum account balance of $2,500 or receive at least $2,500 in qualifying direct deposits each month.

On the bright side, Rewards Checking offers the opportunity to receive direct deposits up to two days early.

  • Yield: Earn 0.10% APY on balances between $2,500 and $99,999. Earn 0.15% APY on balances above $100,000.
  • Minimum Deposit and Balance Requirements: The minimum opening deposit is $100, but there’s no minimum daily balance requirement.
  • Account Opening Bonus: This account doesn’t currently have a sign-up bonus.
  • Rewards and Incentives: You can earn unlimited 1% cash back on online and signature-based debit card transactions (transactions for which you select “credit” at the point of sale) and 1.5% cash back with select merchants in categories such as food delivery and health. You earn rewards in statement cycles when you do at least one of the following: receive total monthly direct deposits into your account from a qualifying source of income (generally, an employer or government benefits provider) of $2,500 or more or maintain an average balance of $2,500 or more in your Rewards Checking account.

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13. Axos Bank Rewards Checking

Earn Up to 1.00% APY With Qualifying Activities

Axos Bank Logo

The Axos Bank Rewards Checking account has one of the best yields around for account holders able to meet its qualifying activity requirements: up to 1.00% on balances up to $50,000 with all qualifying activities.

With unlimited ATM fee reimbursements, free checks on request, and reasonable minimums, this account has a lot going for it.

  • Yield: The base yield on this account is 0%. Receive monthly direct deposits totaling $1,500 or more to earn 0.40% APY on balances up to $50,000 and qualify to earn interest at even higher rates. Then, earn an additional 0.30% APY when you use your Axos Visa® Debit Card for a total of 10 transactions per month (minimum $3 per transaction) OR sign up for Account Aggregation/Personal Finance Manager (PFM) in online banking. Maintain an average daily balance of $2,500 per month in an Axos Self Directed Trading Invest Account to earn an additional 0.10% APY. Finally, use your Rewards Checking account to make your full monthly Axos consumer loan payment to earn yet another 0.10% APY.
  • Minimum Deposit and Balance Requirements: The minimum account opening deposit is $50, but there’s no minimum daily balance requirement.
  • Account Opening Bonus: There’s currently no account sign-up bonus available here.
  • Rewards and Incentives: Enjoy unlimited reimbursements for all U.S. ATM fees and get 50 checks free at account opening (upon request).

Learn More


14. Axos Bank CashBack Checking

Earn Up to 1% Cash Back, Depending on Balance

Axos Bank Logo

Axos Bank has another checking account offering a different sort of reward: up to 1% cash back on all eligible signature-based debit card purchases. Aptly known as Axos Bank CashBack Checking, account holders earn cash back on eligible purchases as follows:

  • 0.50% cash back in months when the account’s average daily collected balance is less than $1,500
  • 1% cash back in months when the account’s average daily collected balance is $1,500 or greater

Cash-back earnings are capped at $2,000 per month. Other account benefits include rapid P2P payments, unlimited ATM fee reimbursements, and unlimited check-writing privileges.

  • Yield: This account does not have an interest rate. However, eligible signature-based debit card transactions earn up to 1% cash back.
  • Minimum Deposit and Balance Requirements: There’s no minimum daily balance requirement to keep your account open and in good standing.
  • Account Opening Bonus: None.
  • Rewards and Incentives: Earn up to 1% cash back on eligible signature-based debit card transactions. Plus, enjoy unlimited reimbursements for all U.S. ATM fees and unlimited check-writing privileges.

Learn More


15. Nationwide Advantage Checking

Earn Up to 0.90% APY With Qualifying Activities

nationwide bank

Nationwide Advantage Checking is a high-yield checking account that looks a lot like Axos Bank Rewards Checking, complete with tiered yields and low minimums.

Meet all tier requirements to earn up to 0.90% APY (variable with prevailing rates) and enjoy access to more than 80,000 in-network ATMs no matter how you manage your account.

  • Yield: The base yield on the Nationwide Advantage Checking account is 0%. To earn interest in any given month, do one or both of the following: receive direct deposits (not including intra-bank transfers from another account) totaling $1,000 or more each to earn 0.45% interest and/or complete at least 10 point-of-sale transactions using your debit card (minimum $3 per transaction) to earn 0.45% interest. Do both in the same month to earn 0.90% interest.
  • Minimum Deposit and Balance Requirements: The minimum account opening deposit is $50. There’s no minimum daily balance requirement.
  • Account Opening Bonus: None.
  • Rewards and Incentives: This account has no monthly maintenance fees or NSF transaction fees.

Learn More


16. Stash Online Banking

Earn Up to 5% Stock-Back Rewards

4799 957609

Stash is best known as a low-cost investing platform for hands-off investors, but its online banking account3 deserves mention too.

That’s due in large part to Stock-Back rewards1 program, which earns fractional shares of stock when you make purchases at more than 11 million participating locations.

Though most Stock-Back transactions earn 0.125% Stock-Back rewards ($0.125 in stock per $100 spent), purchases with select merchants earn up to 5% Stock-Back rewards ($5 in stock per $100 spent).

Because Stock-Back isn’t a cash-back program, it’s best for those who already invest with Stash and those looking for an all-in-one financial app.

  • Rewards and Incentives: Earn 0.125% Stock-Back rewards on all everyday purchases. With Stock-Back bonuses, you can earn up to 5% Stock-Back rewards at certain merchants. Nonqualifying purchases include ATM withdrawals, gift or prepaid cards, and money orders.
  • Minimum Deposit and Balance Requirements: There’s no ongoing minimum balance requirement.2
  • Yield: None.
  • Account Opening Bonus: Get a $5 bonus when you open your account and deposit at least $5 to begin investing.

Learn More

This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value.
1 Stash Stock-BackⓇ is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned through this program.
2 Other fees apply to the bank account. Please see Deposit Account Agreement for details. If applicable, your Stash banking account is a funding account for purposes of the Advisory Agreement. Your Stash subscription fee may be deducted from your Stash banking account balance.
3 BankDebit Account Services provided by and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.  Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.  In order for a user to be eligible for a Stash banking debit account, they must also have opened a taxable brokerage account on Stash. Account opening of the debit account is subject to Green Dot Bank approval.
Money Crashers is a paid Affiliate/partner of Stash.


17. FNBO Direct Online Checking

Earn Up to 0.15% APY, Depending on Balance

fnbo direct logo

The FNBO Direct Online Checking account yields 0.15% APY on all balances between $0.01 and $1 million and has a negligible minimum opening deposit (just $1).

It’s also surprisingly mobile-friendly and boasts an excellent P2P money transfer tool.

An expansive ATM network ensures you’re rarely far from a fee-free ATM when traveling within the continental United States.

  • Yield: This account yields 0.15% APY on all balances above $0.01, up to $1 million.
  • Minimum Deposit and Balance Requirements: The minimum opening deposit is $1, and to earn APY, you must have a minimum balance of $0.01.
  • Account Opening Bonus: None.
  • Rewards and Incentives: FNBO Direct doesn’t charge its own ATM withdrawal fees (at more than 55,000 ATMs in North America). However, it never reimburses ATM withdrawal fees charged by other banks. Separately, FNBO Direct has a nice high-yield savings account.

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18. M1 Spend

Earn 1% APY and 1% Cash Back With M1 Plus

M1 Finance Logo

M1 Spend is a free cash management account that blends the higher yields of a savings account with the flexibility of a checking account.

Upgrade to M1 Plus for $125 per year to earn 1% APY on all M1 Spend balances, 1% cash back on debit card purchases, and up to four ATM fee reimbursements each month.

  • Yield: Upgrade to M1 Plus to earn 1% APY on all account balances and 1% cash back on all debit card purchases.
  • Minimum Deposit and Balance Requirements: There’s no minimum opening deposit and no minimum daily balance requirement.
  • Account Opening Bonus: None at the moment, but check back for the latest offers.
  • Rewards and Incentives: M1 Plus members get four ATM fee reimbursements per month — three more than standard M1 members.

Learn More


19. Empower

Access Cash Advance (up to $250^); Get Paid up to 2 Days Faster*; Get up to 10% Cash Back** 

Empower Black Transparent@12x

Empower is a user-friendly mobile app designed for today’s generation. With it, you can qualify for a Cash Advance of up to $250^ with no interest, no late fees, and no credit checks through the Empower Card.

And Empower users rest easy with no overdraft fees, no insufficient funds fees, and no account minimums.

Beyond Cash Advance, Empower offers a comprehensive lineup of useful personal finance features, including:

  • Get paid up to two days faster*
  • Get up to 10% cash back** when you activate and use your Empower Card at qualifying merchants — restaurants, grocery stores, and gas stations — that refresh every week
  • Get free unlimited access to over 37,000 ATMs across the U.S.
  • Automatic Savings
  • Budgeting and spend tracking tools
  • Savings recommendations

Learn More

Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.

^ Eligibility requirements apply. Free instant delivery is available for eligible Empower Checking Account customers with an activated debit card.

* Early access to paycheck deposit funds depends on the timing of the employer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the employer’s scheduled payment date.

** Cashback deals on Empower Card purchases, including categories, merchants, and percentages, will vary and must be selected in the app. Cashback will be applied automatically when the final transaction posts, which may be up to a week after the qualifying purchase.


20. Discover Bank Cashback Debit Account

1% Cash Back on the First $3,000 in Monthly Debit Card Purchases  

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The Discover Bank Cashback Debit account has an excellent cash-back rate for a service-fee-free checking account: 1% cash back on up to $3,000 in eligible purchases (basically, the first $3,000 spent) each month.

The Discover Bank Cashback Debit account also has a handy card freeze feature that you can toggle on and off when your card is lost or stolen (and found or replaced).

And it has very few fees, including no nonsufficient funds fee and no fees for bank checks or replacement debit cards.

Plus, there’s no minimum balance or transaction count required to qualify for the service fee waiver.

  • Minimum Deposit and Balance Requirements: There’s no initial or ongoing balance requirement.
  • Account Opening Bonus: None.
  • Yield: Eligible purchases earn 1% cash back, up to $3,000 in purchases each month. There’s no traditional yield, however.
  • Rewards and Incentives: The Discover Bank ATM network includes 60,000 machines. Plus, easily freeze a lost or stolen debit card and pay no fees for insufficient funds.
  • Possible Fees: See terms for a complete list of possible fees.

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Final Word

Individual bank account bonuses and rewards programs come and go. But it’s basically a given that dozens of online banks (and brick-and-mortar banks and credit unions) offer enticements to new and longtime account holders at any given time.

The same is true for opportunities to earn high yields (high-interest payouts) and generous rewards on other account types: high-yield savings accounts, money market accounts, and CDs.

If you’re in the market for a new bank account or expect to be soon, this is all good news. The most vexing part of your search for yield or rewards (or both) is likely to come when you’re finally ready to narrow down your choices and pick a winner.

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