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.

March 3, 2024
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). Other transaction requirements apply.

New money only. Requires Direct Deposit.

Monesty, a division of American Commerce Bank of Georgia

4.18%

$100

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Available in all states except MA/RI.

Heritage Bank National Association

2.02%

$0

$100,000

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.

Amalgamated Bank

1.06%

$2,500

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Signature Bank of Georgia

1.01%

$2,500

$24,999

Amalgamated Bank

1.00%

$1,000

_

Members without direct deposit get 0.70% APY.

Mutual of Omaha Bank

0.50%

$1,500

$250,000

TIAA Bank / Everbank

0.45%

$0

_

Charles Schwab Bank, SSB

0.45%

$0

$250,000

Navy Federal Credit Union

0.45%

$25,000

_

Pentagon

0.35%

$20,000

$50,000

Rising Bank, a division of Midwest BankCentre

0.30%

$1,000

_

Ally Bank

0.25%

$0

_

Virtualbank

0.25%

$50,000

_

Signature Bank of Georgia

0.21%

$25,000

_

Clear Sky Accounts

0.20%

$2,000

_

AirBanking

0.20%

$50,000

_

Signature Bank of Georgia

0.16%

$2,000

$24,999

FNBO Direct

0.15%

$0

_

Pentagon

0.15%

$0

$19,999

LendingClub Bank, National Association

0.15%

$100,000

_

CTBC Bank Corp. (USA)

0.10%

$15,000

_

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.

Northfield Bank

0.05%

$1,500

_

iGobanking.com, a division of Flushing Bank

0.01%

$1

_

Salem Five Direct

0.01%

$1,000,000

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Edu

0.00%

$0

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