The world of banking has transitioned greatly to being all, or mostly all, online. With a phone, laptop or tablet, you can access your bank accounts, make payments and much, much more, all with just a few taps or clicks.
Banks know this trend and many have tailored their services to meet this demand of online banking. With free online management tools, ease of use and straightforward earnings, many banks have great options for checking accounts for those who want to go all digital. This easy access to your money allows you to stay on track with all your finances, even when you’re on the go.
Here, we share five online checking account options that can help you get on to better tracking of your finances, wherever you go.
Get more cash in your virtual account with a high APY in this checking account option.
As an online checking account, you’ll get access to many free services like a MemoryBank MasterCard debit card and online statements you can access anytime. Get your questions answered with online chat, phone and email customer service options. Be alerted when there’s activity on your account with Memory Alert notifications. With an online only bank, you can take advantage of the savings yourself by tuning into higher APYs.
Fees and Rates
Make your money work for you with an APY of up to 1.6% of your balance of up to $250,000. There’s also no additional monthly fee, so you don’t need to worry about those small extra expenses. While there are fees for overdraft and stopped payments, when you track your money with these free services, you can better avoid those fees.
With a checking account from Axos bank, you can use online features to keep track of all your spending and savings.
Whether you open a personal checking account or one for your business, you can be sure to get the most out of your rewards with this high-yield account. Get reimbursed for domestic ATM fees so you can have access to your cash when and where you need it. Use the available digital banking tools that help you stay on top of your finances, even when you’re on the go. Use free mobile deposit to submit your checks from anywhere. Manage your account right from your phone with their convenient, user-friendly mobile app. Keep your account secure with security features like 2-step authentication and anti-virus and malware protection.
Fees and Rates
With a checking account focused on getting you rewards, you’ll earn up to 1.25% APY by meeting certain conditions so you can make your money grow for you. Don’t get bogged down by monthly maintenance fees or non-sufficient fund fees. There’s no minimum balance, either, so opening an account is easy.
You may have heard of a Discover credit card, but this online checking account also gets you rewarded for the purchases you make.
Get rewarded as you use your card by earning cash back on the purchases you make with your online checking account. Get cash when you need it with over 60,000 ATMs where you won’t have to pay a fee. Manage your money how you want without having to deal with monthly balance requirements or monthly fees that can cut into your rewards. If you do acquire a fee, your first one will be waived so you’ll be ready for the next one. Get added convenience as you manage your account all online with viewing recent account history, transfer money where you need it to go, track your rewards and deposit those paper checks all with just a few taps of your phone or clicks on your computer. Opening up an account is quick and easy to do. So you can get started on spending how you want.
Rates and Fees
With this checking account, you’ll earn 1% cash back on your purchases, up to a monthly maximum of $3,000 in debit card purchases. Pay attention to your account to avoid a $30 insufficient fund fee and manage your money well to avoid other fees like outgoing wire transfer or stop payments. With a plethora of services offered for free, you can easily manage your account fee-free.
Manage your money wisely with a checking account designed to meet your needs with Radius Bank. Even better, you can do so all online.
Among their four checking account options, the Hybrid Checking account allows you to earn impressive interest on your balance. This free account gets you unlimited ATM fee reimbursements so you can get the money you need, when you need it. You’ll also get to opt into free online banking and get eStatements on your account rather than printed, mailed statements. You’ll also get access to a debit card you can use for all your purchases. If you’d rather earn cash back than interest, Radius Bank has a helpful checking account to meet that need as well. The Rewards Checking account helps you earn 1% cash back on certain purchases as well as a 0.01% APY on your balance of $1,000 and higher.
Rates and Fees
With this account designed to help you accumulate interest, you’ll earn 1% APY on your balance between $2,5000 and $99,999. For your balances of $100,000 and up, you’ll earn 1.2% APY on your balance. While there is a minimum opening deposit of $100, you won’t need to pay a monthly maintenance fee on your account.
Get access to free checking, and many more services, with a checking account that gets you the rewards you want.
While there are some restrictions in membership for USAA bank, once you’re in, you can get access to many services all for free as you transition to online banking. Such services include things such as no fees at ATMs, paying bills online and track your accounts online and on mobile. Deposit your checks from wherever you are with mobile deposit, just by taking a photo. Put your paycheck where you want it with direct deposit. Pay bills online and on time with free management tools, all available online. You’ll also get to utilize quick mobile pay options like Zelle, Google Pay, Apply Pay and Samsung Pay so you can make the purchases you need, how you want.
Fees and Rates
Utilize these free mobile and online services without a monthly fee. You’ll need just a minimum deposit of $25 to open your account and get to spending and earning.
Bank How You Want
Long are the days when brick and mortar banks were your only option for keeping and spending your money. With the plethora of opportunities available to bank with your computer and laptop, managing your hard-earned money can be easier and quicker with these online checking opportunities. Go digital and check out which account can get your rewards you want.