Comparison Best Checking Accounts for 2026, Ranked by Fees
SoFi if you want checking and savings in one app with a rate on both. Chime if avoiding overdraft fees is the priority. Neither charges a monthly maintenance fee.
Sunday, Sep 6, 2026
Where to keep your money so it earns something. High-yield savings, CDs, checking accounts and the fees worth walking away from.
Work out a number using the rates we publish.
Ranked picks, with the criteria stated first.
Comparison SoFi if you want checking and savings in one app with a rate on both. Chime if avoiding overdraft fees is the priority. Neither charges a monthly maintenance fee.
Comparison Novo for straightforward free business checking. Relay if you want separate accounts to hold tax money automatically. Keep the set-aside in a high-yield savings account rather than checking.
Comparison Marcus and Ally both offer competitive rates with clear penalty terms. Discover is worth comparing on longer terms. Do not chase a rate on money that might become your emergency fund.
Comparison Marcus is the simplest good choice: no fees, no minimum, consistently near the top of the rate tables. Pick SoFi instead if you want checking in the same app, and Ally if you want savings buckets to s