Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. Select will update as changes are made public. Show
While online banks often offer customers better rates and lower fees, if you prefer to bank in-person, you’ll need to open an account at a brick-and-mortar bank, which will give you access to physical branches for you to visit. Brick-and-mortar banks allow you to deposit and withdraw money by visiting a teller inside a branch or via a drive-up window or ATM machine. You’ll also have the convenience of being able to speak to someone face-to-face and work out any account questions or requests — unlike online-only banks that require you to call (which can sometimes mean dealing with long wait times). However, brick-and-mortar banks typically charge customers higher fees than online-only banks since they have to recoup overhead costs to keep physical branches up and running. That said, there are still competitive brick-and-mortar banks that offer checking accounts with options to waive monthly fees if you meet certain requirements. To make your search easier, Select evaluated dozens of checking accounts offered by brick-and-mortar banks with broad availability, offering access to at least 2,000 physical branches and over 4,000 fee-free ATMs in the U.S. We considered features like fees, minimum balance requirements and ease of use, among other factors to choose the top five best brick-and-mortar checking accounts that let you bank in-person. (See our methodology for more information on how we choose the best checking accounts.) Note: Most brick-and-mortar banks require you to enter your zip code online for the correct account offerings, and in some cases you might not be able to open an account because of your location. Best brick-and-mortar checking accounts
Best brick-and-mortar checking account FAQs
Subscribe to the Select Newsletter! Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here. Best at Bank of AmericaBank of America Advantage Plus Banking®
See our methodology, terms apply. Bank of America is a Member FDIC. Pros
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Best at ChaseChase Total Checking®
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Best at PNC BankVirtual Wallet® with Performance SelectInformation about the Virtual Wallet® with Performance Select has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. PNC Bank is a Member FDIC.
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Best at U.S. BankU.S. Bank Gold Checking PackageInformation about the U.S. Bank Gold Checking Package has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. U.S. Bank is a Member FDIC.
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Best at Wells FargoWells Fargo Preferred Checking
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Information about the Wells Fargo Preferred Checking has been collected independently by Select and has not been reviewed or provided by the bank prior to publication. Wells Fargo is a Member FDIC. Best brick-and-mortar checking account FAQsHow to choose a checking accountBefore you open a checking account, consider these six factors:
Common checking account feesWhile there are several good no-fee checking accounts out there, most checking accounts come with standard fees. Here are some of the common checking account fees you may incur:
While these fees can add up, you can avoid them by responsibly managing your account and always maintaining a positive balance. Our methodologyTo determine which brick-and-mortar checking accounts offer the most convenience, Select analyzed dozens of U.S. checking accounts offered by the largest national banks and credit unions. We narrowed down our rankings by only considering checking accounts that come from brick-and-mortar banks with broad availability, offering access to at least 2,000 physical branches and over 4,000 fee-free ATMs in the U.S. We compared each checking account on a range of features, including:
All of the accounts included on this list are Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA) insured up to $250,000. This insurance protects and reimburses you up to your balance and the legal limit in the event your bank or credit union fails. The rates and fee structures for checking accounts are subject to change without notice and they often fluctuate in accordance with the prime rate. Your earnings depend on any associated fees and the balance you have in your checking account. To open an account, some banks and institutions may require a deposit of new money, meaning you can’t transfer money you already had in an account at that bank. Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. Which is best bank to open checking account?Best Banks for Checking Accounts of 2022. Best for Minors: Capital One.. Best for Cash-Back Rewards: Discover Bank.. Best for Earning Interest: nbkc Bank.. Best for More Than $250,000: Wealthfront Cash Account.. Best Credit Union: Alliant Credit Union.. Best With Branches: Chase Bank.. Best for Global Travel: Schwab Bank.. What is the easiest bank to open a checking account?The 8 Easiest Banks To Join. Chime. Chime1 is probably the easiest to join. ... . TD Bank. To sign up with TD, users can go online and enter their basic information, including a driver's license number or state ID. ... . United Bank. United Bank has the same requirements as TD. ... . Synchrony. ... . Chase Bank. ... . Axos Bank. ... . Ally. ... . Wells Fargo.. Which bank has no monthly fee?Summary: Best No-Fee Checking Accounts. What is the best checking account with no fees?The Capital One 360 Checking Account takes the number-one spot on our list thanks in part to its top-rated mobile app, physical bank locations and an above-average APY.
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