1. Aspiration – The Aspiration Spend and Save Account

The Aspiration Spend and Save Account offers a wide range of benefits for account holders and has few fees. The amount to open is fairly low, and once you open your account there is no minimum monthly balance to maintain — though the more money you keep in your account, the more interest you’ll earn.

Another helpful feature is unlimited ATM fee refunds. That means you can either use in-network ATMs (filter by checking “SUM”) and avoid fees, or use any other ATM and be reimbursed for any fees incurred at the end of the month. If you’re looking for an interest checking account with no ATM fees, the Aspiration Spend and Save Account is a solid choice.

2. nbkc bank – Personal Account

nbkc has several locations in the Kansas City region. Anyone can sign up for an account, however. This just means if you don’t reside nearby, you’ll have to rely on their online banking system.

The nbkc Personal Account earns interest on your balances and has no hidden fees. Typical checking accounts charge overdraft fees and stop payment fees, among others, but nbkc doesn’t.

The two fees that may apply are for less common transactions — $5 to send domestic wires and $45 to send or receive international wires.

You can use 32,000+ MoneyPass® ATMs in the U.S. for free, and if you use out-of-network ATMs you’ll be reimbursed up to $12 a month. This account is a good choice if you want a checking account that has minimal fees and earns interest.

3. Ally Bank – Interest Checking Account

Ally Bank is an overall great online bank and their Interest Checking Account is a standout choice if you want to open an account without depositing any money. There are some standout perks with this card like 24/7 live customer care and the ability to send money with Zelle®.

There are also no ATM fees at U.S. Allpoint® ATMs, and you’ll receive up to $10 per statement cycle for fees charged at other ATMs nationwide. This account earns at a lower interest rate than the two mentioned earlier, but it’s still better than typical banks. Ally Bank’s Interest Checking Account provides account holders with a well-rounded experience and the ability to earn interest.

Check out our full list of the best checking accounts.

1. Bay State Savings Bank – Free Kasasa Cash®

Bay State Savings Bank was founded in Worcester, Mass., and is an independent community bank with the goal of maintaining long-term relationships with consumers and giving back to the community via the Bay State Savings Charitable Foundation.

If you want a free account that is always free — meaning no requirements for you to meet — check out their the Free Kasasa Cash® account. But if you’re after a checking account that’s not only free, but also earns high interest, it’s worth fulfilling the following requirements:

• Make at least 12 PIN-based debit card transactions each billing cycle
• Enroll in and agree to receive eStatements
• Enroll in and log in once to online banking each billing cycle

There’s a small minimum deposit to open the account and you automatically earn interest on your balances.

By meeting the above qualifications, the balance in your account up to $20,000 earns 2.01% APY, and you also receive unlimited refunds of third-party ATM fees. If you fall short of the requirements that billing cycle, your money earns a comparatively paltry 0.05% APY and you’ll have to pony up $0.75 for each ATM transaction with a machine outside of the SUM® ATM network, plus pay whatever third-party fee the ATM operator charges.

2. Radius Bank – Radius Hybrid Checking

Radius Bank is a community bank headquartered in Boston. The Radius Hybrid Checking account is free as long as you open the account with the required deposit and meet three simple requirements: Enroll in online banking, receive eStatements and choose to receive a debit card. Unlike other checking accounts that require you to make a certain number of debit card transactions a month, Radius Bank does not. In addition to simple requirements, there are unlimited ATM fee refunds at the end of each statement cycle.

3. Atlantic Stewardship Bank – Cash Back Checking

Atlantic Stewardship Bank is headquartered in New Jersey and donates 10% of its profits annually to Christian and nonprofit organizations. Its Cash Back Checking account has a minor opening deposit and basic requirements for you to meet to get the added perks.

*When you make 12 debit card transactions each cycle and enroll in online banking and eStatements, you can receive unlimited ATM fee refunds and the chance to earn rewards at 0.50% cash back on debit card purchases.

1. La Capitol Federal Credit Union – Choice Plus Checking

This checking account has a $2 monthly service fee, which can easily be waived if you enroll in eStatements.

*While the terms state a minimum balance requirement of $1,000 and a low balance fee of $8, the fee can be waived if you make 15 or more posted non-ATM debit card transactions per month.

To earn the top interest rate on your checking balance, you just need to make at least 15 or more posted non-ATM debit card transactions per month. There are numerous surcharge-free La Capitol ATMs for you to use, and after signing up for eStatements you can receive up to $25 per month in ATM fee refunds when you use out-of-network ATMs.

3. All America Bank – Ultimate Rewards Checking

This Oklahoma-based bank provides one of the best high-yield checking accounts available for recent graduates, thanks to minimal requirements to earn a high APY on a larger-than-usual balance. The 2.75% APY may seem just okay when compared to the rates of other high-yield checking accounts, but the fact that All America Bank’s rate applies to balances up to $10,000 — the sky-high APY offered by most of its competitors usually fall off in the low four digits — make it a winner.

To earn that 2.75% APY, customers must meet the following requirements each billing cycle:

• Make at least 10 purchases with their VISA debit card
• Opt to receive eStatements

The bank has seven locations throughout the state of Oklahoma, where customers can deposit $50 in person to open this account. If you opt to open the account online, your initial deposit must be $500.