The national average checking account interest rate is 0.07% APY as of February 2026, per FDIC data. See how rates compare and where to find a better rate.

Joint checking accounts are a great option for anyone who wants to manage everyday spending with another person – whether it’s a spouse, an older parent or a young child. In some cases, joining ...

SoFi® offers a solid interest rate in addition to cash-back opportunities and a bonus. Monthly fee: None. Special features: A 0.50% APY on all balances and an opportunity to earn a bonus between $50 ...

Banks and credit unions typically pay little to no interest for a checking account — among the ones that actually do, the average annual percentage yield is just 0.07%, according to the latest ...

Not all checking accounts pay interest. Among those that do, the numbers are pretty dismal — the average only pays 0.07%, according to the latest government data. Despite those low returns, dozens of ...

The Chime® Checking Account has no monthly fee, and customers have access to more than 47,000 nationwide ATMs. As a Chime customer, you can receive your paycheck up to two days early with direct ...

Learn how these common accounts compare (and why you should probably use both) ...