Best high-yield checking accounts for September 2025

If you want one of the highest yields out there, you'll find it at Presidential Bank and its Advantage Checking Account. It offers 4.62 percent APY on balances under $25,000; anything over earns a lower interest rate — but even that yield of 3.62 percent APY is higher than the other picks on this list. This account does have requirements to earn the rate and is best suited for those who use their checking account to pay bills and withdraw cash throughout the month.

The TAB Spend Account is a good option for those looking to maximize rewards from their checking account because along with a 3.50 percent APY, you'll also earn 1 percent cash back on debit card purchases. And there are no requirements to earn the top rate with this account. There are also no monthly maintenance fees and no minimum deposit required to open or maintain the account, ensuring that your money is working as hard as it can for you. Another benefit of this account is fee-free withdrawals at MoneyPass ATMs nationwide.

Lake Michigan Credit Union’s Max Checking Account pays a stellar APY of 4 percent. You'll have to meet some requirements every month to qualify for it, including setting up direct deposits, using your debit card to make purchases and logging in to mobile banking. If you’re a heavy debit card user, and like to check up on your checking account balance often, this account could be worthwhile for you.

Anyone can join the credit union and open this account online; membership isn’t restricted to people living in certain states or working for certain companies.

M.Y. Safra Bank's online division, MYSB Direct, offers a competitive interest-bearing checking option with its E.Z. Interest Checking Account. You'll earn 2.75 percent APY on balances up to $25,000 (less if your balance is higher) but you must set up a monthly direct deposit of $500 or more to earn interest. This account is a particularly attractive choice for those who frequently withdraw cash, thanks to unlimited ATM fee reimbursements for out-of-network transactions.

E.Z. Interest Checking has no monthly fees or minimum balance requirements, though you will need $10 to open the account.

While the 2 percent APY that the Bank5 Connect High-Interest Checking Account offers isn't the highest on this list, it is still a competitive yield for a checking account. The account also stands out for reimbursing up to $15 per statement cycle for out-of-network bank fees, making this account a good option if you need frequent access to your cash.

To boot, there are no monthly maintenance fees, and the minimum opening deposit is accessible, at just $10 — though you'll need a balance of at least $100 to earn the APY.

ZYNLO Bank's More Spending Checking Account offers a strong yield with no strings attached: 2 percent APY on any balance.

The account is fee-free across the board — no monthly maintenance, overdraft or non-sufficient funds fees (NSF) to worry about. Customers can also access more than 55,000 fee-free ATMs nationwide via the Allpoint network.

If you also open a ZYNLO Tomorrow Savings Account, you can take advantage of the ZYNG Round Up and Match feature, which rounds up debit card purchases and transfers the difference into savings. ZYNLO matches these contributions up to 100 percent, depending on your savings balance after 100 days.

If you want a streamlined account experience, consider the NBKC Everything Account. It is a fee-free hybrid checking and savings account that earns 1.75 percent APY across your checking and savings balances. There are no requirements to earn that rate, plus no monthly fees and no overdraft charges. Customers are also reimbursed up to $12 per month for out-of-network ATM fees, making this a great option if you need to access cash conveniently and without planning ahead.

If you use your debit card often every month, Quontic's High Interest Checking account offers a solid yield. The account doesn't charge a monthly fee and comes with fee-free access to more than 90,000 ATMs across the country so your cash is never far away.

The American Express Rewards Checking account is great for those already in the American Express ecosystem or who want to be, since you can only open the account if you're an American Express cardholder. In addition to earning 1 percent APY in interest, you'll also earn American Express rewards on eligible debit card purchases.

With this account, you get access to 70,000 fee-free ATMs nationwide through the MoneyPass and Allpoint networks.

The Bask Bank Interest Checking Account has no monthly fees and offers 1 percent APY on all balances, with no requirements to earn the rate. There is no minimum opening deposit either. The bank also offers a high-yield savings account, in case you want to do more of your banking in one place. And as a customer, you get access to more than 55,000 surcharge-free Allpoint ATMs nationwide. And you have the possibility of earning a $300 bonus if you open your account between July 1 and October 15 and meet some requirements.