Skip to Main Content

Checking

Maximize your checking: Compare high-yield checking accounts, no-fee checking accounts and more.

Explore checking basics

A woman uses mobile banking while eating.
From no fees to online bill pay, here are the must-have checking account features.
person standing next to bike and looking at phone
If you overdraw your account frequently, then overdraft protection could be a good way to avoid hefty overdraft fees.
close up of hands signing a check
Checks aren’t as ubiquitous as they once were, but you may still have to write one.

Get started with a checking account

Checking

Types of checking accounts

Whether you’re making payments online, using a debit card, or writing a physical check, a checking account is a necessity for most people. Here are some of the most-widely available types of checking accounts offered at banks and credit unions.

Arrow Right Icon
Checking

Available balance vs. current balance

Learn about the two separate balances you may see when looking at your bank account.

Checking

Checking account fees

Learn about the different kinds of checking account fees and what you can do to avoid them.

Image for Bank account alerts to protect your money
Checking

Bank account alerts to protect your money

Explore the types of bank account alerts you can set up to help you stay informed about your finances whenever and wherever you are.

 

Arrow Right Icon

Experts in all things banking

Our expert reporters and editors bring the news and analysis you need—backed by data and firsthand experience.

About Bankrate
Stephen Kates headshot

Stephen Kates, CFP Arrow Right Icon

Bankrate Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

Mark Hamrick Arrow Right Icon

Senior Economic Analyst

Latest articles

Man looking at mail by the mailbox.
You have rights when debt collectors contact you. Try these steps when you respond.
The SBA has several types of revolving and non-revolving lines of credit.
Young couple managing expenses and bills at home after holidays.
It’s tempting, but think carefully about hocking the house to cover these seasonal costs.
Black couple paying bills using laptop
A step-by-step guide to getting out debt for the new year.
A woman writes a check
A bounced check is something that should be avoided. Here’s what you need to know.
A check with VOID stamped across it
Here’s what you need to know about voiding a check, and the alternative options.
two teenage friends looking at a smartphone
Services such as Zelle and Venmo make splitting a bill or sending money a breeze.
Black woman at home reading a letter in the mail
Here are easy actions you can take to avoid the fee of get it waived.
Illustrated by Bankrate
Big banks pay just 0.01% APY while online banks offer 4% or more. Your $10,000 could earn over $800 more over two years.
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank
Comparing savings rates can ensure you get the best return on your savings.
Person looking at smartphone
The best account to save your money will vary by your goal.
A woman and daughter work together
A savings account can be a great tool to teach your child about money. Here are a few of our favorites.
Mature woman helps her daughter study for exam
High-yield savings rates fluctuate over time. Let’s explore what causes that.
woman, using laptop while working from home
The top high-yield savings accounts are currently earning APYs of 5 percent and greater.
A woman holds a phone at an office
Savers can stash their cash in a brokerage these days to rack up returns.
Man watering plants
Interest is the price you pay to borrow money or the cost you charge to lend money.
Illustrated by Bankrate
Big banks pay just 0.01% APY while online banks offer 4% or more. Your $10,000 could earn over $800 more over two years.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank
Comparing savings rates can ensure you get the best return on your savings.
Young woman withdrawing money using phone at the ATM machine on the street in Budapest in Hungary.
Here are simple steps to take to avoid paying checking account fees.
Someone cutting a stack of cash with scissors
In this era of no-fee banking, pesky fees still exist. Here’s how to avoid them.
Young woman walking on the street
Here’s what other banks have to offer that you might be missing out on at yours.
close up of hands writing a check
Consumers without a bank account face hurdles when trying to cash a check.
The trusted provider of accurate rates and financial information
Wall Street Journal
Usa Today
New York Times
Cnn
Bloomberg
Abc
qa - v8.55.3- space 102997 (production)