You are viewing online interest checking rates.
Online Checking Rates
Online checking accounts provide users with greater interest in return for not banking with a brick and mortar branch or location. Online checking accounts generally come with a debit card and bill pay and allow users to deposit money via mail or electronic transfers. Some online banks also refund foreign ATM fees. Below are current online checking account rates.
September 26, 2026
| Online Banks | APY | MIN | MAX | |
|---|---|---|---|---|
|
|
3.90% |
$1 |
_ |
|
|
Requires download of bank app and recording of over 12,500 average daily steps (10,000 if over 65). Other transaction requirements apply. |
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|
|
3.85% |
$0 |
$15,000 |
|
|
|
3.26% |
$0 |
_ |
|
|
New money only. Requires Direct Deposit. |
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|
|
2.20% |
$100,000 |
_ |
|
|
|
2.02% |
$0 |
$100,000 |
|
|
|
2.00% |
$100 |
_ |
|
|
Available in all states except MA/RI. |
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|
|
1.90% |
$50,000 |
_ |
|
|
|
1.10% |
$0 |
_ |
|
|
After fulfilling the minimum qualifying activity requirements per statement cycle of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, the 1.10% annual percentage yield (APY) applies to all balance tiers, which are identified as $0–$150,000, $150,000.01–$1,000,000 and balances over $1,000,000. |
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|
|
1.00% |
$2,500 |
_ |
|
|
|
0.50% |
$0 |
_ |
|
|
Members without direct deposit get 0.70% APY. |
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|
|
0.50% |
$1,500 |
$250,000 |
|
|
|
0.45% |
$25,000 |
_ |
|
|
|
0.30% |
$1,000 |
_ |
|
|
|
0.30% |
$1,000 |
_ |
|
|
|
0.25% |
$0 |
_ |
|
|
|
0.25% |
$50,000 |
_ |
|
|
|
0.15% |
$0 |
_ |
|
|
|
0.10% |
$0 |
_ |
|
|
|
0.10% |
$15,000 |
_ |
|
|
|
0.10% |
$25,000 |
$49,999 |
|
|
|
0.05% |
$0 |
$250,000 |
|
|
|
0.05% |
$0 |
_ |
|
|
|
0.05% |
$1,500 |
_ |
|
|
|
0.05% |
$5,000 |
_ |
|
|
|
0.05% |
$20,000 |
$50,000 |
|
|
|
0.01% |
$1 |
_ |
|
|
|
0.01% |
$1,000,000 |
_ |
|
|
|
0.00% |
$0 |
_ |
|
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