Best Checking Accounts of 2024
There are plenty of options available when you are searching to open a bank account. We compare the best bank accounts available today to help you choose the best for your needs.
TOP CHECKING ACCOUNTS IN COLUMBUS, OHIO
Cash bonus up to $300 with direct deposit set up1
- Earn up to 0.50% APY2 on checking balance
- No monthly account fees
- Earn up to 4.60% APY2 on savings balance
- Up to $2M of additional FDIC insurance through a network of participating banks
1. Certain terms apply
2. Rates as of 10/23/2023
Checking Account offers 1% cash back on up to $3,000 in debit card purchases each month (see website for details)
- No minimum opening deposit and no minimum balance
- Early Pay: early paycheck access up to 2 days early
- No. Fees. Period.
- FDIC insured
Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities
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Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.
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Waivable $6.95 monthly maintenance fee
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No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program.
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No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs.
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Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Get paid up to 2 days early with direct deposit1
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No minimum balance, no monthly fees and no overdraft fees
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Over 60,000 fee-free ATM locations (Terms Apply)
1. Depends on the timing of the submission of the payment file from the payer
Cash bonus up to $300 with direct deposit set up1
- Earn up to 0.50% APY2 on checking balance
- No monthly account fees
- Earn up to 4.60% APY2 on savings balance
- Up to $2M of additional FDIC insurance through a network of participating banks
1. Certain terms apply
2. Rates as of 10/23/2023
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
~Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
*Chime SpotMe is an optional service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
Chime Credit Builder Disclosure: To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.