Best checking accounts that will make your money happy


    Choosing your checking account can improve or ruin your finances, whether you are using it to get your paychecks from your employer through direct deposits, daily checks, paying bills, or just as a safe place for your savings.

    There are countless current accounts to choose from in 2021. Some have a monthly fee, some come with additional benefits, and some only offer the most basic features.

    A great checking accountThere are no hidden fees and it fulfills all of your banking needs – offers online banking, great customer service and brings you interest on your money and account benefits.

    Today we’re going to explore some of the best checking accounts in 2021, including their pros, cons, and fees.


    Do you want free money?

    • Aspiration: Would you like to be spotted for $ 150 for free? Just log into Aspiration and the free banking app will give you cash for free. You can just relax while getting $ 150 just for opening a new debit card. There is no catch. This bank account is legit and only takes two minutes to get into Sign up for an account.

    Best checking accounts for 2021

    providersMinimum depositinterest rateSign up bonus
    aspiration$ 00.00%$ 100
    Radius bench$ 1001.00%$ 50
    electricity$ 00.00%
    BBVA$ 250.00%
    CIT bank$ 1,0000.25%
    Carillon$ 00.50%$ 50
    heritage$ 500.05%
    Prices updated from June 2021.

    Aspiration – Best Sign Up Bonus of $ 150


    With so many checking accounts available, it can be difficult to decide which checking account is best for you. Fortunately, the Aspiration Bank Account is a versatile account that is beneficial to our planet and reduces your carbon footprint. And in contrast to a traditional checking account, the Aspiration account has separate checking and savings balances.

    If you are looking to save and spend money, this may be the account for you. Not only is it easy and convenient to deposit and withdraw cash using an Aspiration bank account, but you can even earn up to 10% cashback on debit card purchases and up to 1.00% APY on savings. Usually the more expensive premium accounts offer this, but with this account you get everything for free.

    Fees and charges can be overwhelming, especially when you’re doing your best to save. If you’re looking to avoid bank charges, you’ll be pleased to hear there are no check deposit fees, no overdraft fees, no debit card fees, and no inactive and dormant account fees. Also, when you sign up for a new account, you can receive a welcome bonus of $ 150 if you spend $ 1,000 within 60 days of opening an account.



    • Great customer service
    • Best sign up offer of $ 150
    • Large network of ATMs (55,000)
    • 10% of every dollar paid in Aspiration goes to charities that help Americans build better lives for themselves
    • Digital debit card available while waiting for the physical card to arrive in the mail


    • No physical branches
    • Available to US residents only
    • Requires a minimum deposit of $ 10 or more to open an account

    Radius Bank Rewards Checking: Best Rewards Current Account

    Radius bench

    Radius Bank offers 1 +% cashback, discounts on ATM fees, and no monthly or hidden fees with their premium check. It is a full service bank that comes at your disposal with the beautifully designed app that allows you to deposit checks, view real-time transactions, pay bills and transfer funds, manage your budget and track expenses, and improve your financial health.

    But what I love is that if you use a Radius Bank promo code during the application process and you can get a simple $ 50 cash bonus. To receive the $ 50.00 reward Simply open a personal or business checking account from Radius via this link and enter the promotion code “sbzcj9“- You have to submit an application.

    Keep your account active with at least $ 500 and you will see the $ 50 reward in your Radius account within 90 days. Super easy. You can open an online account in less than 3 minutes with just $ 100.

    Current: Best checking account to get paid today


    At Current, they deliver paychecks up to two days faster than traditional banks when you sign up for a direct deposit. Overdrive is offering up to $ 100 in free overdrafts with no fees to eligible Premium Members. In addition, when you swipe your card at participating merchants, you can collect 15x points that can be redeemed for cash on your current account.

    Current is one of the best checking accounts for those who want:

    • Get paid up to 2 days faster
    • Free overdraft up to $ 100 with Overdrive
    • 55,000 toll-free ATMs worldwide
    • No minimum balance or hidden fees

    There is no minimum amount required to open or operate an account and Current does not charge any hidden fees. You will probably love it, it’s easy to use and super easy to use Log In.

    BBVA Online Checking: Best current account overall

    With BBVA Online Checking, your annual savings really add up as there are no monthly service fees. There is a $ 3 monthly paper statement fee that can be avoided by replacing your paper statements with online statements.

    I like that the BBVA online checking account offers:

    • Award-winning mobile banking app
    • Cashback rewards
    • Free online banking and mobile banking as well as mobile deposits and billing
    • Low minimum deposit of $ 25 USD
    • Transaction warnings

    You can apply online with a low minimum deposit ($ 25).

    CIT Bank: Best free checking account

    City Bank

    CIT Bank products are perfect for preparing for unexpected emergencies, adding funds to a down payment on a dream home, saving for the future of a loved one, or anything in between. CIT Bank recently opened a new online checking account that earns up to 0.25% APY. However, if you have a With credits less than $ 25,000, you will receive an APY of 0.10%.

    Easy account management through the mobile app, including depositing checks and wire transfers. You need at least $ 100 to open it. However, when you open an account, you can use any ATM with an eChecking debit card without paying CIT fees and receive up to $ 30 per month to offset other banks’ ATM fees. In addition, you can make online payments through eChecking with Cell, Bill Pay, Samsung Pay, and Apple Pay. And no opening or monthly fees.


    • No ATM fees
    • No monthly fees
    • Online and mobile banking is easy and convenient

    Chime: Best for helpful savings options

    Carillon app

    Hidden fees can be a nightmare – especially if they creep in a week before payday! Fortunately, Chime offers an account with no hidden fees and an interest-free overdraft! There isn’t really much more that you can ask for when looking for checking accounts.

    This is one of the more modern accounts available – not many people are actually banking in the branch in 2021, so Chime is keeping up with the times and doesn’t have its own branches or ATMs.

    Signing up is surprisingly quick and easy, and unlike many other checking accounts, you can have zero starting balance.

    It’s refreshing to see a bank profiting with you instead of profiting from you. For every transaction made with a Chime debit card, Chime earns a small amount of Visa that is paid for by the merchant – not you or the account holder.


    • No hidden fees and charges
    • Helpful automatic saving options
    • You can access your direct deposits earlier than a competitor


    • Some of the banking services are restricted (no branches or group ATMs)

    Simple: Best for customer service + user-friendly mobile app

    Note: BBVA has acquired Simple and all Simple checking accounts will be transferred to BBVA Online checking accounts.

    If you are looking for a simple account that offers simple money management features, quick and easy bank connections, and a great customer service support system, then you are sure to love the simple checking account.

    This is a great bank if you want to manage your savings, but unfortunately you need around $ 2,000 in the account to get a meaningful interest rate.

    The bank account allows you to set up automated savings, which is extremely useful for more forgetful customers. You can group your recurring payments into specific categories like bills and luxury items – and it will automatically sort your expenses for you.

    The Simple system puts the change ready for you so that you can save without even realizing it! When you have to spend more than you have (accounting for bills and other planned expenses) then the money will be deducted from your goals – it’s quick, easy, and hassle-free!


    • The app is efficient and easy to use
    • Ideal for budgeting – can set goals
    • No minimum to open an account
    • No monthly fees or charges

    Heritage: Best for any banking experience

    In 2021 there will be bank accounts that offer pretty much anything that can be harmful rather than helpful. Sometimes you just want a simple no-frills account that can hold your money for you.

    The checking accounts that Heritage offers are just that – simple accounts that make your banking operations hassle-free.

    Unfortunately, the most basic checking account Heritage offers (The Base Checking Account) has a $ 7 monthly fee that can be waived with a minimum balance of $ 100.

    This account allows you to make money by spending money. Thanks to Heritage Bank’s a Dime a Time Rewards program, earn $ 0.10 for every signature transaction made with your VISA debit card.


    • No monthly service fee
    • Different accounts to choose from
    • Unlimited checks


    • Interest rates could be better
    • Minimum opening balance of $ 100 for a standard checking account

    Is online banking safe?

    Is online banking safe and secure? Many people believe this is not the case – you may have heard from a friend or family member that their card was stolen or robbed from an ATM, or you may have experienced it yourself.

    But the short answer is yes. Banks that are only online are safe because they have FDIC insurance. Federal Deposit Insurance Corporation is an independent federal agency that insures deposits with US banks and savings banks in the event of bank failure. So if you are a member of an online bank with FDIC insurance, your money is insured up to $ 250,000.

    So even in the event that a hacker steals your money, you are protected. Your online bank must reimburse you for your losses if they are reported within 60 days. This is one reason why many people keep track of their finances on a weekly basis using free money management tools like Mint and Personal Capital.

    However, this does not mean that you should not be aware of the risks involved in banking online.


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