Even if interest rates fall in 2026, the right bank accounts can still protect your cash, flexibility, and peace of mind.

A top online bank can net you up to $400 for opening a new account. Read our list of picks to learn how to earn today.

The best banks for checking accounts have low fees, good customer support and free ATMs nearby. Some also offer rewards or earn interest. In 2025, Discover® Cashback Debit won NerdWallet’s annual ...

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 ...

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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 average rate on an interest-earning checking account is an abysmal 0.07% . “Accounts offering interest are a way for the bank to bring in more deposits or appeal to customers with larger balances, ...

Here are the seven reasons why this bank teller advises against keeping more than $3,000 in a checking account.