Checking · May 2026

The best checking account pays 2.75% APY.

Rate WatchBiggest moves in the last 7 days
TAB Bank2.75%leader
UFB Direct2.00%unchanged
Zynlo Bank2.00%-0.75

We rank 39 checking accounts daily. Your bank probably pays 0.46%.

FDIC insuredNo affiliate biasNo credit pull
If you parked $25,000Updated today
$573/year you're losing
Top pick: best available · 2.75% APY
Over 5 years that's $2,865 in lost interest — enough for a vacation.
Top 3 — Independently ranked

The three accounts worth your time

Ranked by composite score: rate + trust + ease

#1 · Best overall
TB
TAB Bank

TAB Bank

TAB Bank Checking Account

2.75%APY
+2.29% vs avg
Why #1: High APY
Open account →
#2 · Runner-up
UD
UFB Direct

UFB Direct

UFB Direct Checking Account

2.00%APY
+1.54% vs avg
Why #2: Strong rate from a trusted institution.
Open account →
#3 · Third pick
ZB
Zynlo Bank

Zynlo Bank

Zynlo Bank Checking Account

2.00%APY
+1.54% vs avg
Why #3: Solid choice with competitive terms.
Open account →

Showing 39 of 39 checking

TAB Bank

TAB Bank Checking Account

2.75%
APY
+2.29% vs avg
#1 PickBest for no minimums
$0 minimumNo monthly feeFDIC insured

UFB Direct

UFB Direct Checking Account

2.00%
APY
+1.54% vs avg
Easiest to openBest for no minimums
$0 minimumNo monthly feeFDIC insured

Zynlo Bank

Zynlo Bank Checking Account

2.00%
APY
+1.54% vs avg
Easiest to openBest for no minimums
$0 minimumNo monthly feeFDIC insured

NBKC Bank

NBKC Bank Checking Account

1.75%
APY
+1.29% vs avg
Easiest to openBest for no minimums
$0 minimumNo monthly feeFDIC insured

Bank5 Connect

Bank5 Connect Checking Account

2.00%
APY
+1.54% vs avg
Competitive APY
$100 minimumNo monthly feeFDIC insured

American Express

American Express Checking Account

1.00%
APY
+0.54% vs avg
Easiest to open
$0 minimumNo monthly feeFDIC insured

CFG Bank

CFG Bank Checking Account

1.25%
APY
+0.79% vs avg
Strong yield
$1,000 minimumNo monthly feeFDIC insured

Quontic Bank

Quontic Bank Checking Account

1.10%
APY
+0.64% vs avg
Simple saver
$100 minimumNo monthly feeFDIC insured

Bask Bank

Bask Bank Checking Account

1.00%
APY
+0.54% vs avg
Easiest to open
$0 minimumNo monthly feeFDIC insured

First Internet Bank of Indiana

First Internet Bank of Indiana Checking Account

0.50%
APY
+0.04% vs avg
Good rate
$500 minimumNo monthly feeFDIC insured
1 / 4
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