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 22, 2020
Advertiser Disclosure
Online Banks APY MIN MAX
Heritage Bank National Association
1.32% $0 $25,000
Bank of Internet
0.71% $500 _
Clear Sky Accounts
0.70% $25,000 $250,000
Mutual of Omaha Bank
0.50% $1,500 $250,000
FNBO Direct
0.40% $0 _
Available in all states except MA/RI.
EverBank / TIAA DIrect
0.40% $25,000 _
iGobanking.com
0.25% $1 _
Virtualbank
0.25% $50,000 _
AirBanking
0.20% $50,000 _
Radius Bank
0.15% $100,000 _
Radius Bank
0.10% $2,500 _
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.
Edu
0.00% $0 _