Checking Accounts

Below you can find a variety of checking accounts. Checking accounts give you a great way to manage and control your regular spending and income – regardless of your lifestyle or the size of your paycheck. You can also look at checking accounts online here.

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Most Americans have a checking account but even if you already have checking accounts you can always shop around to see if your account is giving you the best for your money. Use the chart below to compare the most important factors and to see which checking accounts are most suited to you.

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COMPANYACCOUNTTYPEINTEREST APYINTEREST GROSSPAIDACCESSO/D RATEBANKING CHARGESSERVICES CHARGESMORE INFO
The EverBank Yield Pledge Money Market Account
The EverBank Yield Pledge Money Market Account
Yield Pledge Money Market AccountChecking Account2.01%2.01%MonthlyOnlineN/AExtra services$8.95The EverBank Yield Pledge Money Market Account
Open money market checking accounts at EverBank®, and enjoy high yields and easy access to your money. They have checking accounts online and EverBank® pledges that your yield will be among the top 5% of competitive accounts of leading banks. You can also potentially earn high yields at foreign rates by globally diversifying your funds and opening a WorldCurrency® Deposit Account.
DETAIL INFORMATION >>
Features

Features

Free Banking: No
Debit Card: No
Cheque Guarantee_Card: No
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: No
Account Manager: No

EverBank Accounts are FDIC Insured


Services

Services

Easy Access to Your Account


Advantages

Advantages

1. Open an EverBank Yield Pledge(SM) Money Market Account Today!
2. Enjoy Easy Access to Your Account
3. New Accounts Earn a Bonus Rate
4. EverBank Accounts are FDIC Insured


Disadvantages

Disadvantages

1. Minimum opening balance $1,500
2. Excess transaction fee, per transaction, in any month when you exceed the transaction limits for this account $10

Everbank
Everbank
EverBank FreeNet Checking AccountChecking AccountFirst year 1.13%1.46%MonthlyOnline, ATM, TelN/AExtra services$8.95Everbank
EverBank provide a high interest checking account with no monthly fee. They commit to delivering a high yield on your checking account balance and do not require a minimum balance to earn a great yield. They claim to be recognized as the “best” checking account by industry leaders.
DETAIL INFORMATION >>
Features

Features

Free Banking: No
Debit Card: Yes
Cheque Guarantee_Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: No
Account Manager: No

Free Mobile and Online Banking with total access to your financial future


Services

Services

1. No monthly fee for balances over $5,000


Advantages

Advantages

1. Consistently high yields with Yield Pledge
2. Free Mobile and Online Banking with total access to your financial future
3. Automatic ATM rebates when you maintain a minimum balance of $5,000
4. Free Visa Check Card
5. Transfer funds between your EverBank account and other financial institutions
6. 3 month bonus rate of 2.25%


Disadvantages

Disadvantages

1. Because this is a money market account, you are limited by Federal regulation to six transfers or withdrawals per month. See Terms and Conditions for details. Withdrawals or transfers in excess of these limits are subject to a fee.
2. Minimum opening balance is $1,500

Perk Street Financial
Perk Street Financial
Perk Street Financial Checking AccountChecking Account0%0%DailyOnline,$25 per itemMonthly inactivity fee $4.50$0.00Perk Street Financial
Perk Street Financial checking accounts have the largest free ATM network available and you are able to pay your bills, check your balance, transfer money in and out and even set up mobile alerts all online. Sign up it just five minutes and deposit at least $25. Perk Street financial also offer checing accounts online.
DETAIL INFORMATION >>
Features

Features

Free Banking: No
Debit Card: Yes
Cheque Guarantee_Card: No
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: Yes
Account Manager: No

Get 2% cash back on shopping and bills through the year.


Services

Services

Cash back rewards: Choose from a PerkStreet Financial Visa® Gift Card or gift cards from Target®, Best Buy®, Amazon.com®, GAP and Ticketmaster®. The PerkStreet Financial Visa Gift Card is good anywhere that Visa is accepted.

Music rewards: Choose to receive credit for songs at iTunes®, Rhapsody® or Amazon.com® Gift Cards for MP3s or millions of other items at Amazon.com

Coffee rewards: Choose reloadable gift cards from Starbucks®, Dunkin Donuts®, Peet’s Coffee and Tea® and Bruegger’s Bagels®


Advantages

Advantages

1. The most debit card rewards available
2. The largest free ATM network
3. Free checkbooks
4. Free online banking and bill pay
5. Fast phone service, 24/7


Disadvantages

Disadvantages

1. Overdraft protection $25 per item
2. Non-sufficient funds fee $23 per item
3. Monthly inactivity fee $4.50
4. Non-ATM network fee 2.00 per transaction

Citibank Online
Citibank Online
Basic CheckingChecking Account0.10%0.10%DailyOnline, Branch, ATM, Tel$34.00 per itemOverdraft fee $34.00$3.00 - $10.00Citibank Online
The Citibank Basic Checking account is perfect for you if you only write a few checks a month and do not want to maintain a minimum balance. You have to pay a monthly service fee, which is dependent on which state you live in.
DETAIL INFORMATION >>
Features

Features

Free Banking: No
Debit Card: Yes
Cheque Guarantee_Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: Yes
Account Manager: No

1. It's easy to avoid bouncing checks with overdraft protection. You can even set up alerts so you know when your balance is getting low.
2. Citi Mobile lets you check account balances and transfer funds anytime, anywhere.
3. Citi Identity Theft Solutions
4. Online Fraud Protection


Services

Services

1. Free online bill payments.
2. Paperless bank statements.


Advantages

Advantages

1. Low fixed monthly fee
2. No minimum opening deposit.
3. Mobile Banking
4. Free online bill payment
5. Paperless bank statements
6. Online check images
7. Extensive transfer services
8. E-mail and wireless alerts
9. Worldwide ATM network
10. Customer support 24/7


Disadvantages

Disadvantages

1. You can't avoid fees — there's a fixed monthly fee that varies by state

News Charts News and Charts

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02 February 2012
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Consumer confidence in the United States dropped in January coming in below forecasts and put an end to two months of gains.
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