To create this list, London Reviews analyzed 14 checking account offerings at a mix of traditional brick-and-mortar banks, online banks and credit unions. We ranked each account on 16 data points within the categories of fees, access, customer experience, digital experience, minimums and whether or not the account considers an applicant’s ChexSystems banking file.
Only accounts that are reported to not consider ChexSystems were included. Accounts with no or low fees and minimums rose to the top, as did those with higher customer service and mobile app ratings. Branch access was considered, but accounts at online-only banks ranked above those at brick-and-mortar institutions if they offered better perks and lower fees. To appear on this list, the checking account must be nationally available.
To learn more about our rating and review methodology and editorial process, check out our guide on How London Reviews Reviews Banks.