Best Checking Account Rates and Promotions

A checking account is one of the most essential bank accounts for managing your finances. It's the banking product that we use for daily transactions and to keep our personal finances in good running order. The best checking accounts reward account holders with options and free, no-fee access to their finances.

Minimal Fees and Charges: Many of today's checking accounts offer a great deal of flexibility and freedom. Several credit unions charge low, to zero fees, and no minimum balance requirements for opening an account, some as little as $5.

ID Insurance: Many financial institutions provide identity theft insurance for their checking account customers, alleviating the need to worry about a lost checkbook or debit card.

Online Access: Today, customers can find easy, unlimited access to their accounts 24/7, with free online banking and bill pay services from their computer screens or smartphones.

Rewards and Other Perks: Checking accounts now offer attractive benefits akin to credit cards like earning points to be used for purchases and more.

Save while you spend. One of the biggest benefits of choosing the right checking account is when it comes built in with a high-yield checking APR, or Annual Percentage Rate, that builds dividends simply for having money in the bank.

Whether it's for an individual person, family, or business, there's a checking account for everyone with plenty of savings incentives to boot. In addition to personal checking accounts, business checking accounts are also a great option for the small, medium or large business looking to provide a unique, one-stop account for a company's employees. GOBankingRates brings you checking account tips and how-to resources to help you choose the best checking account for your financial situation.

See the 10 Best Checking Accounts of 2015.

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How to Find the Best Checking Account

If you have regular, revolving expenses, think of how many purchases you put on your debit card — or how many monthly bills you write checks for.

It may sometimes be easy to overlook that like a traditional savings package, checking can also earn good interest rates, too — an account that builds finances simply for going about your day-to-day spending. Plus, when choosing an account that comes packed with other incentives, like rewards points, cash back, and remote access, you can take checking to the next level as the most important piece of your financial life.

It may seem daunting to figure which checking account is best for you, but the good news is that by “checking” our checking page, we’ve compiled a series of featured Deal of the Day articles and other features that can be useful in helping you narrow down the checking account that’s a perfect match for suiting your financial needs best. Check our review of the best checking accounts of 2015.