The national average checking account interest rate is 0.07% APY as of February 2026, per FDIC data. See how rates compare and where to find a better rate.

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Ally Bank reports that interest checking accounts offer typical features plus interest earnings, making them a flexible ...

Capital One’s checking account earns interest and has no minimum balance. Monthly fee: None. Special features: The checking rate is 0.10% APY for any balance. Other pros: 360 Checking account holders ...

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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Learn how these common accounts compare (and why you should probably use both) ...