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.

October 1, 2022
Advertiser Disclosure
Online Banks APY MIN MAX

Requires download of bank app and recording of over 12,500 average daily steps (10,000 if over 65).

Members without direct deposit get 0.70% APY.

Heritage Bank National Association

1.52%

$0

$25,000

Signature Bank of Georgia

1.01%

$2,500

$24,999

Available in all states except MA/RI.

Clear Sky Accounts

0.70%

$25,000

$250,000

Mutual of Omaha Bank

0.50%

$1,500

$250,000

Virtualbank

0.25%

$50,000

_

Signature Bank of Georgia

0.21%

$25,000

_

AirBanking

0.20%

$50,000

_

Signature Bank of Georgia

0.16%

$2,000

$24,999

FNBO Direct

0.15%

$0

_

Radius Bank

0.15%

$100,000

_

Radius Bank

0.10%

$2,500

_

EverBank / TIAA DIrect

0.10%

$25,000

_

Incredible Bank, a division of River Valley Bank

0.05%

$0

$250,000

Requires 1 direct deposit each billing cycle and 5 debit card transactions. Billing cycles end the 15th of each month.

iGobanking.com

0.02%

$1

_

Texas Dow Employees

0.02%

$5

_

Edu

0.00%

$0

_