Best Checking Accounts
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.
Best Checking Accounts
Nothing we can price
None of these carry the figures needed to rank them for your situation yet.
Compared side by side
3 compared on the 3 things that decide it. A blank cell means we could not confirm the answer, not that the answer is no.
| Provider | Monthly fee | Overdraft fee | ATM network |
|---|---|---|---|
 SoFi Checking and Savings Best overall | — | — | — |
 Chime Best for avoiding overdraft fees | — | — | — |
 Ally Online Savings Best alongside savings | — | — | — |
Every offer, priced the same way
Ranked by what it costs you over a year. The arithmetic behind each figure is shown so you can check it. Offers we could not price are listed at the bottom with the reason.
1. SoFi Checking and Savings — SoFi
Best overall
No monthly fee, a rate on the balance, and savings in the same app.
Priced from national figures. Last checked September 4, 2026.
2. Chime — Chime
Best for avoiding overdraft fees
Covers small overdrafts without a fee for members with qualifying direct deposit.
Priced from national figures.
3. Ally Online Savings — Ally Bank
Best alongside savings
Worth pairing if your savings already sits at Ally.
Priced from national figures. Last checked September 4, 2026.
How we ranked these
We compare monthly fees and how they are waived, overdraft policy and fees, ATM network size and reimbursement, and whether direct deposit arrives early.