4 popular banks offering the best checking accounts

While credit cards let you spend over and above your income, checking accounts tend to keep you under a tight leash when it comes to managing your finances. This because whenever you use your checking account to make any purchases or pay any bills, money is debited from the account. With income and expenses going in and out of your checking account, there is fluidity in your finances and you can keep a better track of your expenses. Since there are unlimited deposits and withdrawals allowed with checking accounts, you are in control of your finances, unlike a savings account that places a limit on the deposits as well as withdrawals.

Some of the best banks for checking accounts offer various perks, which include no ATM fees, cash back rewards, low or no minimum balance, and so on. Here is a list of some of some of the best banks for checking account.

Charles Schwab Bank
Although Charles Schwab is an investment company, it offers one of the best checking accounts in the market. Initially introduced exclusively for Charles Schwab investors, the Schwab Bank High Yield Investor Checking® Account has various benefits such as zero fees to transfer funds to accounts at Charles Schwab as well as other banks, free bill payment, free checks, no charges for using ATMs, and free debit card. Also, these checking accounts charge very low fees and have a minimum balance requirement of just $1. The APY offered is 0.20%. Other perks include no charges for using foreign ATMs and immediate reimbursements for charges incurred for using ATMs of other banks anywhere in the world. This makes it perfect for regular international travelers.

Capital One 
Primarily a provider of online checking accounts, Capital One is known for some of the best banking tools in the market and a very efficient customer support. One of the first banks to offer remote fund deposits through phone, Capital One offers a number of cutting-edge apps to make banking transactions hassle free. The tools and apps are streamlined to help customers manage their funds with ease. With no monthly fees and no minimum balance requirement to open a new checking account, the Capital One 360 Checking® account is a fee-free online checking account that pays one of the highest interest rates, which is above the national average of 0.05%. Moreover, the company offers a checking account without considering the ChexSystems reports.

Ally Bank
This is one of the well-rated and best bank for checking accounts in the online bank category. There are no monthly fees and no minimum balance requirement. The APY offered is 0.10%. Although the online checking accounts from Ally Bank do not let customers deposit cash, it does make up for this drawback by offering perks such as ATMs with zero charges and a reimbursement of $10 in every statement cycle to compensate for charges incurred while using ATMs of other banks. Moreover, Ally Bank offers a well-structured and highly responsive customer service.

Discover
Mostly known for its cash back credit cards, Discover is also one of the best banks for checking accounts. If a customer makes a purchase of around $3,000 every month, the cash back checking account from Discover will pay one percent cash back, which adds up to $360 cash back every year. However, this is cash back reward is applicable only if purchases are made using a debit card. There are no monthly fees and no minimum balance. Moreover, no fees are charged for online bill payments, debit card replacement, check reorders, and official bank checks.

    RECENT ARTICLE

  • Top 5 Android Phones in the Market
  • How to get a pair of Frye boots at a cheap price
  • Things To Keep In Mind Before Buying Dog Food
  • 5 popular colored keycaps

YOU MAY ALSO LIKE

  • Here’s what you need to know about The Home Depot’s post purchase services
    Started as a home improvement superstore in 1978, The Home Depot currently is the largest retailer in the country. They offer products such as tools, construction products, home appliances, furniture and other related services as well. Headquartered in Atlanta, they function across all 50 states, in few parts of the Caribbean islands, Canada and Mexico. In the past few decades, The Home Depot has managed to deal with all kinds of products. The appliances are one such product category that they have thrived on. You can find an incredible variety of The Home Depot appliances. Some of the modern appliances that they deal with are washers, dryers, refrigerators, freezers, dishwashers, kitchen ranges, cooktops, wall ovens, microwaves, vacuum cleaners, fans, air conditioners, kitchen appliances, dehumidifiers and essential accessories and parts for all the offered appliances. One of the prominent aspects about The Home Depot appliances is its delivery service. Special order appliances that cost above $396 are qualified for a free standard delivery. These usually include major home appliances such as refrigerators, laundry products, cooking appliances, etc. If there is a delivery charge, it varies by zip code of the area. Benefits of purchasing appliances from The Home Depot
    • The appliances transported to your place will be unboxed, placed in the desired room and connected to a power source.
    • The appliance will be tested to ensure it is properly functioning.
    • The materials used for the packing of the appliance will be discarded from your home once the installation process is over.
    One day before the delivery, the executives will contact you to confirm and schedule a delivery date. Remember that someone over the age of 18 has to be present at home to receive The Home Depot appliances. To maintain safety, all delivery agents are given an authorized badge to verify their authenticity. There are two types of installation processes for The Home Depot appliances Delivery with basic hook-up services Usually for almost every kind of freestanding appliances, The Home Depot offers basic hook-up services. The Home Depot appliances that are eligible for this installation services are as follows
    • Electric refrigerators
    • Ranges
    • Washers
    • Dryers
    It doesn't comprise installation or removal of built-in cooktops, wall ovens, air conditioners, etc. Even commercial or built-in refrigeration system will not be set up, taken out or lugged away. Delivery with additional hook-up services This type of delivery and installation option is for The Home Depot appliances like
    • Gas ranges
    • Dryers
    • Dishwashers
    • Microwaves over the range
    For utilizing these setup services, you will have to incur an additional fee.
  • How to select car covers for your cars
    Well, you are aware that car covers keep your cars protected from all kinds of scratches, dents, and dings. Custom fit car covers help you preserve the brand new look of your cars. Many people consider buying a car cover is a random choice. However, it is not. There are some considerations which you must keep in your mind before buying the cars. Here are some of the facts you must consider when buying car covers: The kind of car cover you need depends on the type of usage of the car. It depends on how frequent you use your car and how long it is stored in the garage. The car covers must be lightweight which can be easily put on and removed off. The lightweight car covers can be easily folded and managed. You can remove and put them on effortlessly even if you use your cars daily. However, if your cars are parked in parking lots where there are high biological contributions. In such cases, you must buy thick car covers which keep your cars protected from the dings and dents. The thick car covers protect your cars from scratches and other mishaps. Check for the fabric and material of the car cover. The fabric of the car covers must enable breathability. The breathability properties are essential which expel the trapped heat and condensation from the car cover. The air must freely flow through the car cover. The car cover must also have bust blocking properties. Generally, the paint of the vehicles is about 0.006 inch. When the dust accumulates on the car surface, it results in the development of the scratches and becomes abrasive. All these changes are so minor that you notice them only when the problem brews up and becomes severe. A high-quality car cover must prevent the entry of dust to the surface of the car. Thus there are no dust build-ups and the condition of the car remains brilliant over years. High-quality car covers must have a soft and silky lining. Always buy car covers with a nonabrasive inner lining which don’t cause any scratches on the car surface. The release of the moisture from the car surface can result in the formation of mildew. This could even cause the car cover to rot. Make sure you buy the car covers which are treated with inhibitors which prevent the occurrence of rot and mildew. The car covers must be UV resistant which prevents the fading of the car’s polish and paint due to the devastating effect of the car cover. High-quality car covers must have superior dry time. Generally, hood quality car covers must have an absorption rate of only 2%. This implies even if your car cover gets wet in the heavy rains, you can simply shake it. All the moisture gets removed and you will have a dry car cover. Low-quality car covers have a high absorption rate of 40% which means it becomes difficult to shed moisture from them. The car covers you purchase must be highly durable and long-lasting. The quality must not degrade after some time of usage. If you want to buy the car covers, make sure you buy them reputed car dealers who supply high-quality car covers. You can ask the experts for help and choose the custom-fit for your cars which give you wonderful car protection over the years. It is advised to follow the above considerations if you want to buy quality car covers. Always keep your cars covered with custom fit car covers which keep the radiance and brilliance of the car covers.
  • Website building with Square Online
    Square Online provides e-commerce tools and services to help businesses set up an online store. Business owners can easily build a new website with the Square and begin selling their products. If your growing newly venture needs an e-commerce scale-up, you can create a fully functional digital store in minutes. Let’s look at what you can avail with a Square Online website. Features you'll get with a Square website When you create a webpage with the Square website builder, you'll be able to choose marketing features, interface customisation, and social media integration. The integrative features like syncing with Square POS lets you create an e-store that is set for growth, aling with the option of setting up contactless pay options for seamless transactions. Moreover, Square Online has a to-the-point dashboard that has great analytics so that you can easily map a customer’s journey on the site. The best part is that you don’t need any coding experience to set up a website with Square Online; it's easy, quick, and efficient. Square website building costs If you want to simply try the platform to see if it works for your business, start by building a website for free with Square Online. There’s one condition though: you have to pay when you make a sale. Square will take 2.9% + 30¢ for every purchase made. There are other options too. like Professional, Performance, and Premium. We particularly like the Performance set up because it is economical at around $26 per month. And you get to publish customer reviews on the site and send emails to potential buyers who have abandoned their carts. The Premium option is the most expensive set-up costing around $72 per month, but you get additional cost-cutting features. Good alternatives to Square Online While Square Online has amazing features, it is not the only option for setting up an online store. You can also explore options like Duda and BigCommerce. Duda is a major software suite that helps you create a website for multiple screens. It is mostly used by small and medium-sized companies. BigCommerce, on the other hand, hosts businesses of varied sizes. You can use their attractive storefront themes and advanced item search features to grow a customer base.
  • Why decorating your living space is important?
    The living room is a place which reflects the nature of the person living there. People mostly do not want to compromise their comfort, so they always intend to have a comfortable and peaceful living room, and what better can it be, if you get to decorate your living room. Decorating your living room is an excellent idea. It will save you money and will also polish your skills as an interior designer. But there are chances of it getting dull. So it is always better to go through some ideas and draw a rough sketch of how you want your living room to look.
    • When an individual wishes to decorate his or her living room, the most important step is to set the color of the chamber.
    • Lighting of a room is also an important part of decoration. It makes a heavy impact on your senses and gives a peaceful mood. The flash adds up to the shine of the room and makes the furniture and other items in the room much livelier.
    • Scented candles can work as a wonder in the decoration of the living room as it adds up the spark to the chamber.
    • Choosing the right furniture is an essential part of decoration of the living room. After selecting, placing of the furniture is also crucial. Your living room might look smaller, if you place up the furniture up against the walls. It is better to position the furniture in a sober way and make the room look spacious. Avoid using too many types of furniture, instead opt for few right ones to create a phenomenal ambiance.
    • Selecting the right flooring that sets the theme and accordingly furnishing the space is vital. Remember both of these should go with the rest of the decor of the space either in a matching or a contrast way, as per your preference.
    • All your efforts may go in vain if you fail to choose the right curtains. The curtains add a classic finishing touch to your well-desired living room. So one should always look out for the best and also something that matches the ambiance of the place.
    • The color of the living area, as per professionals, should be white. Having a neutral color on the walls help in accentuating every aspect of the living room. You can put up some beautiful paintings, which bring up a deftness in your living room.
    So, to get the right living room decor, do not hesitate to look through several online sites and magazines, which will help you decorate your desired living room just the way you like it.
  • What causes uric acid stones and common ways to treat them
    Uric acid stones are crystallized masses of minerals stuck in the urinary tract or in the kidney. These stones are formed when the normally lower uric acid levels shoot up or/and the urine has a pH level below 5.5, i.e. it becomes acidic. If left undiagnosed, it may lead to serious health complications. Causes of uric acid stone
    • Hereditary conditions may contribute to an excess of uric acid. For instance, gout contributes to exorbitant levels of uric acid and further formation of crystals of uric in the joints.
    • Excess consumption of purines is another contributing factor to high levels of uric acid. Purines are present in meats like pork, beef, and fish as well, the latter having some of the highest amounts of purines. Thus, consuming too much of these food contributes to the excess of uric acid. Some people may not end up contracting stones in spite of their diet as some are less at risk than others.
    • People who are overweight and those suffering from diabetes are quite prone to developing uric acid stones. The same thing goes for those undergoing chemotherapy.
    Treatment of uric acid stones Smaller uric acid stones (less than seven millimeters) do not need any special attention as they will be eliminated on their own. This is a process that can go on for a little less than a month. Though special attention is not needed, some kind of treatment is surely crucial in order to prevent a similar situation in the future. Lower uric acid levels can be easily achieved by drinking more fluids – mainly water. A minimum of three liters of water is needed in order to lower uric acid levels. However, if lower uric acid levels are not attained even after taking all these measures and you end up disrupting the urine flow and develop an infection, an operation is unavoidable.
  • Factors to consider before choosing a business broadband and landline connection
    Businesses require a good internet connection and communication lines to maintain their operational efficiency. A high-speed broadband connection, office landline, and calling bundles are essential for a business to function effectively. Here are a few factors you should consider before finding the right service provider. Ascertain the type of broadband and landline connection best suited for your business. While ADSL and SDSL connections are the popular choices, there are some business broadband landlines that are powered by cable designed for a dedicated connection. Businesses and commercial establishments will require a higher bandwidth to support multiple systems, terminals, and servers. While residential users may prefer a slightly higher download speed when it comes to the internet connectivity, businesses need a high upload and download speed. As a business owner, you don’t want to end up paying a huge amount for a handful of users. The connection speed is one of the main factors that will affect the price of your business broadband landline package. If your establishment has less than 30 employees, it is a good idea to opt for connection speeds ranging from 8mbits/second to 24mbits/second. Contention ratio is another factor to consider while browsing through business broadband and landline connections. In simple terms, when a network provider advertises a speed up to 10mbit/second, it is the maximum speed that only a certain number of users will be able to enjoy while others may have to manage with variable speeds from time to time. Many standard business broadband landline bundles offer a 1:1 contention ratio, which is good for lines that have been leased solely for serving the establishment. Another benefit of leasing a business broadband landline connection is the combination of high-speed internet and a dedicated landline connection for the business. Broadband packages will include a high-speed internet connection with a favorable contention ratio. The landline package will include services for local, national, and international calls with a monthly line rental included in the bundle. Bundles are a cost-effective choice as you pay a single provider for two different services. One of the important points to consider is the customer support. The internet and landline connections for businesses and high-end commercial establishments must be backed up with excellent customer support and consumer grievance redressal system.