Banking
Trying to make the most of rewards checking accounts june? You are in the right place. Below we break it down in plain English, with practical tips you can actually use.
Key Takeaways
- Individual bank account bonuses and rewards programs come and go.
- But it’s basically a given that dozens of online banks (and brick-and-mortar banks and credit unions) offer enticements to new and longtime...
- The same is true for opportunities to earn high yields (high-interest payouts) and generous rewards on other account types: high-yield savin...
Individual bank account bonuses and rewards programs come and go. But it’s basically a given that dozens of online banks (and brick-and-mortar banks and credit unions) offer enticements to new and longtime account holders at any given time.
The same is true for opportunities to earn high yields (high-interest payouts) and generous rewards on other account types: high-yield savings accounts, money market accounts, and CDs.
If you’re in the market for a new bank account or expect to be soon, this is all good news. The hardest part is finding the best rewards checking accounts, but I’ve done the hard work for you. Check out the list below to see which account is right for you.
Top Rewards Checking Accounts
Here are the best rewards checking accounts you can open today:
- SoFi Checking and Savings
- Chase Total Checking®
- Rewards Checking Plus via Upgrade
- Axos Bank Basic Business Checking
- Juno
- Aspiration Debit
- LendingClub Rewards Checking
- Quontic Cash Rewards Checking
- Consumers Credit Union Rewards Checking
1. SoFi Checking and Savings
- Best Overall
- APY: 0.5% (with at least $5,000 in monthly direct deposit)
- Monthly fee: $0
- Minimum deposit: $0
SoFi offers 7x the national average APY on its checking account for members with at least $5,000 directly deposited monthly. With the same application, you can also open a savings account and earn 4.6% APY on balances you’re saving for later.
There are no account fees or minimum balance requirements. This includes overdraft coverage of up to $50. Plus, your direct deposit amount can be between your checking and savings accounts to qualify for both APYs.
New members can also earn up to a $300 bonus when opening an account. The amount you earn depends on the amount of your direct deposit. Up to $4,999 in direct deposit earns a $50 bonus and $5,000 or more earns $500.
Additional features:
- Access to direct deposit up to 2 days early
- Automatic roundups on debit card purchases that are transferred to your savings account
- Up to 15% cash back on purchases made with your debit card on local purchases
- Robust mobile app with remote deposit and the ability to send money
Read our full SoFi Checking & Saving review for more details.
Open an Account2. Chase Total Checking®
- Best for In-Person Banking
- APY: 0%
- Monthly fee: $15 (waivable)
- Minimum deposit: $0
Chase Total Checking® is a super convenient checking account with one of the biggest networks of branches and ATMs, making Chase Total Checking one of the best checking accounts for people who prefer in-person banking.
To top it off, Chase Total Checking® offers an unusually generous account opening bonus, which makes it the absolute best rewards checking account for the brick-and-mortar set.
To earn the $400 account opening bonus, simply open your account using the links above or below. If you prefer, you can enter your email here and take the coupon to your local Chase branch.
Then, once your account is open, set up direct deposits totaling $1,000 or more within 90 days of coupon enrollment. You’ll receive a $400 bonus within 15 business days. You must apply by July 15, 2026, to qualify.
Additional features:
- Zelle
- Online bill pay
- Account alerts
- Chase Overdraft Assist℠ (no overdraft fee if it’s less than $50)
Read our full Chase Total Checking® review for more details.
Open an AccountThe above information was collected independently and not reviewed by the issuer.
3. Rewards Checking Plus via Upgrade
- Best for Everyday Spending
- APY: 0%
- Monthly fee: $0
- Minimum deposit: $0
Rewards Checking Plus via Upgrade has one of the best cash-back programs of any free checking account. It’s perfect for everyday spending as you can earn 2% cash back2 on all everyday purchases and 1%2 on everything else. The 2% cash back2 applies to convenience stores, drugstores, restaurants, bars (including delivery), utility bills, and certain monthly subscriptions.
If you combine your Rewards Checking Plus with a Performance Savings account and have a $1,000 minimum monthly direct deposit, you can earn up to a 4.69% APY³ on your savings.
Additional features:
- Early access⁴ to direct deposit
- No overdraft fees⁵
- ATM reimbursements with active account
Read our full Rewards Checking Plus from Upgrade review for more details.
Open an Account4. Axos Bank Basic Business Checking
- Best for Freelancers and Solopreneurs
- APY: 1.01%
- Monthly fee: $10 (waivable)
- Minimum deposit: $100
Axos Bank Basic Business Checking is the best rewards checking account for folks in business for themselves. If you have fewer than 50 transactions per month (credits, debits, and deposits), your transactions are free, plus you get up to 60 free remote deposit items.
The account has tiered interest rates, paying its highest rates on balances up to $49,999.99. From there, the rate drops to 0.10% - 0.20% depending on your balance.
New shoppers can also earn up to a $400 bonus if you fund it within 30 days. The bonus is earned through the first five monthly cycles with four payouts total. You can earn $75 per month each month you have a balance of $25,000 - $49,999 and $150 per month each month you have a balance over $50,000, make at least 10 point-of-sale transactions with your debit card monthly, and set up and use online bill pay.
Additional features:
- Unlimited ATM reimbursements in the U.S.
- Free debit card
- Remote deposit
- Online bill pay
Read our full Axos Bank Business Checking review for more details.
Open an Account5. Juno
- Best for Cash Back
- APY: 0%
- Monthly fee: $12 (waivable)
- Minimum deposit: $0
The Juno Save and Spend account allows you to do more with your paycheck. Set up direct deposit, and either save the funds, earning up to a 5% bonus on your balance, or use it to pay your bills and spend with your debit card and earn 5% cashback.
The bonus depends on your balance. You can earn 5% on balances up to $250,000 and 3% on balances below $20,000. Your account must be in good standing to earn the bonus each month.
The account also offers automated bill payments to eliminate late fees and the ability to send money online to friends or family.
Additional features:
- Offers chat support in real time
- Has automated tax reporting to make tax time easier
- Uses 2-step verification and has automatic debit card controls
6. Aspiration Debit
- Best for Help
Final Thoughts
Before you check out, double-check rewards checking accounts june against current offers and any coupons you can stack. Small habits like this add up to real savings over a year.
Originally published at moneycrashers.com.
