Our Best Online Checking Accounts September 2026

Why Open an Online Checking Account?

An online checking account beats a traditional checking account for the same reason as email beats the postal system and online shopping beats brick-and-mortar stores. Online checking accounts are based on traditional checking accounts, but with more convenience, less cost, and less hassle.

Online checking accounts have been around since the early days of the internet, but at first were quite limited in terms of functionality. In recent years online checking accounts have become more sophisticated. In fact, many online checking accounts now include a free mobile app that lets people do their banking from their phone.

These days, consumers can do virtually all their banking online or on their mobile banking app, from bank-to-bank transfers, to depositing checks, to scheduling bill payments. Many online banks even offer add-ons like ID theft insurance, roadside assistance, and retail rewards programs.

How to Compare Online Checking Accounts

No 2 checking accounts are equal, so it’s worth doing a comparison shop before settling on an online bank. The following is a checklist of things to focus on when comparing the best online banking companies.

• Monthly Fee: Some online checking accounts come with no monthly fees while others come with a flat monthly fee (typically ranging from $1 to $50). Typically, banks agree to waive the monthly fee if the customer keeps their balance above a minimum amount (e.g. $1,000 or $10,000). Always ask what you’re getting for your fee. For a basic checking account, there shouldn’t be any fee. For an account that’s packed with features, a fee is considered acceptable.
• Additional Fees: Online banks always charge a fee for international transfers and some also charge for domestic transfers. Most online banks offer free ATM withdrawals from their own ATMs and reimbursements from third-party ATMs.

• Customer service: Some online banks have physical branches, while others operate exclusively online. Some offer personalized customer service (usually for a monthly fee) while others make you wait on the phone with everyone else. Some offer live chat straight from your online or mobile bank account, others don’t. Many online banks offer round-the-clock customer service.

• Savings accounts: Some banks only offer checking accounts. Others offer a selection of checking accounts, savings accounts

  , and certificates of deposit. Better yet, some banks offer hybrid checking-savings accounts that let the customer simultaneously have everyday access to their account and save money.

  
  

• Credit or debit cards: Like regular checking accounts, online checking accounts usually come with the option of linking a credit or debit card to the account. Online banks are increasingly offering customers a choice of credit card plans, each with a different rate and different set of features and benefits.

• Loans: Another benefit of opening an online checking account is it can give you easy access to loans. Depending on the bank, there may be personal loans, home loans, auto loans, and many other types of lending products. Online loans offer the same benefits as online checking accounts: greater convenience, lower fees, and quicker applications.

Our Top Online Checking Account as of Sep 20th 2026

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What Services do Online Checking Accounts Offer?

Online checking accounts offer all the same functions as traditional checking accounts—and more. Online checking accounts have revolutionized banking, allowing users to do everything they would have previously done in-branch from the comfort of their own home, or from on the go.

Here are some of the features usually offered with an online checking account:

• Domestic and international wire transfers - Send and receive money between your account and another person’s account.
• Transfer money between accounts - Transfer money between your own checking and savings accounts.
• Multiple account integration- Keep your accounts organized and easy to access.
• Bill payment - Stay on top of your bills and set reminders so you never miss a beat.

• Digital check deposit - Instantly scan and deposit a check with your smartphone and get access to the funds straight away.

• Digital/downloadable account statements - Great for managing your budget, and for instantly sending records to your accountant.

• Mobile banking app - Manage your accounts from your mobile device.

• Mobile payments - Make purchases straight from your account with Google Pay, Apple Pay, or Samsung Pay.

• Sophisticated security and encryption - Keep your data safe with multi-factor authentication and extra-strong encryption.

• FDIC Insurance - Deposits insured up to at least $250,000 (and sometimes as high as $1.5 million, depending on the bank).

• SMS / email alerts - Notifications whenever any unusual or suspicious activity occurs in relation to your bank account.

• ATMs - Withdraw money from thousands of ATMs in the US and around the world, and get reimbursements from third-party ATM withdrawals.

• Credit card rewards - Get points for making purchases with your account-linked credit card

Explore Leading Online Checking Accounts

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VaroMoney Disclaimer:

1. A full list of Varo fees can be found here.

2. We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

3. Limits range from $600 - $2000. Average loan amount $825. A flat fee of $60 to $400 per Advance. No interest is charged. Credit limits may fluctuate. You may only take one VLOC advance out at a time. Eligibility to apply and/or credit limit information is available in the Varo App. Subject to Credit approval. Quals apply.

4. Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted. You must add money before using, money added sets the spending limit. Funds spent are held in your Varo Believe Secured Account to pay off any balance in full monthly, when due. Quals apply.

Chime Disclaimers

Chime is a financial technology company, not a bank. Banking services for the Chime Checking Account are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.

Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

*Limited time only. Terms apply, must open the new account and complete qualifying activities to earn up to $350.00 in rewards. Link to full terms can be found at https://www.chime.com/join/promos/intro-offer-v2b/#terms.

‡SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical secured Chime Visa® Credit Card or Chime Visa® Debit Card.

Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's or its banking partners' discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won't cover non-card transactions. Spot Me on Chime Card Terms and Conditions.

^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

SoFi Disclaimer:

1. Up to $400 Bonus Tiered Disclosure
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at www.sofi.com/banking/checking-offer

2. APY disclosures
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26.. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

3. Fee Policy
We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.

4. Additional FDIC Insurance
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

5. ATM Access
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.

6. Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

7. Overdraft Coverage
Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other nondebit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.

8. 0.90% Savings APY Boost
Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking/#4. SoFi Bank, N.A. Member FDIC.

OnePay Disclaimer:

OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. The secured OnePay Builder Mastercard® is issued by banking partners pursuant to a license by Mastercard® International Incorporated.

1. 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts. APYs are as of 8/1/2026, but may change at any time before or after account opening. 

2. Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC. See terms at onepay.com/rewards-terms.

3. Fee-Free Overdraft is available to OnePay deposit accounts that have received Direct Deposits totaling $500+ in the current or previous month. You must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details. 

4. For all other ATM transactions, the Cash Out fee will apply and third-party ATM fees may be incurred.

5. Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.

6. Builder Card helps you build credit by reporting your Builder Card activity to the credit bureaus unless you opt out. Any changes to your credit score are independently determined and based on your overall financial behavior, results may vary and are not guaranteed. OnePay deposit account is required. If eligible, your spending power is based on your Checking Balance. Transactions using your virtual debit card are not reported. See OneProgress Services LLC (NMLS ID 2465059) Licenses

E*TRADE Max-Rate Checking Disclaimer:

Banking products and services are provided by Morgan Stanley Private Bank, National Association, Member FDIC.

1. To be eligible for this offer, you must apply promo code CHECKING25 at the time of account opening. This promo code is intended for single use only, is non-transferable, and is only valid for a new individual or joint Checking or Max-Rate Checking account. Not valid if you've had either account in the past 12 months. U.S. residents only. Only one account type eligible; if both are opening, Checking will be enrolled. Account must be funded within 90 days. To qualify, receive two Direct Deposits of $1,500+ each to your enrolled account within 90 days of opening. Direct Deposits must be recurring income via ACH (e.g., payroll, government benefits). Wires, checks, P2P, Zelle*, transfers, etc. are not eligible forms of direct deposit. Bonus paid -120 days after account opening if requirements are met and account is in good standing. Offer cannot be combined, may be removed at any time, and other restrictions may apply.

2. As of 03/09/2026, the Annual Percentage Yield (APY) of the Max-Rate Checking Account is 2.00%. Your interest rate and APY may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for information regarding this account's current interest rate and corresponding APY.

The $15 monthly account fee can be waived when you maintain an average monthly balance of at least $5,000 in the account on or after the end of the second calendar month from opening the account.

3. Deposits held in checking accounts are FDIC insured up to $250,000. Learn more.

Wells Fargo Everyday Checking Disclosure:

*How to qualify for this offer

To be Eligible: Offer is for new consumer checking customers only and is available only to the primary owner of the new checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. Offer is not available to customers that received a bonus for a Wells Fargo consumer checking account within the past 12 months, are Wells Fargo employees, or are non-resident aliens or foreign entities signing any version of IRS Form W-8. Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer.

To receive the $325 bonus: you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by October 13, 2026 and receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening (the "qualification period"). A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow℠ Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. An ACH direct deposit made available early with Early Pay Day does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g., scheduled payment date).

Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. Your new account must stay open through the time we attempt to deposit the bonus. We may close accounts with a zero balance without prior notice. You are responsible for any taxes due on the bonus. We will report the bonus as income to tax authorities, as required by applicable law. If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities.

Other Terms:This offer may be discontinued or changed at any time without notice and cannot be combined with any other consumer deposit offer (limit one bonus per customer/account). Offer cannot be reproduced, purchased, sold, transferred, or traded. If we suspect bonus or promotional offer abuse, we may close or restrict the account and decline or reverse any bonus.

Talk with a banker or see the "Consumer Account Fee and Information Schedule" and "Deposit Account Agreement" available at wellsfargo.com/depositdisclosures for complete checking account details, including the applicable monthly service fee and options to avoid it. The actions required to earn this bonus are separate from the actions available to avoid the monthly service fee.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

PNC Disclaimer:

*You will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account, or have closed an account within the past 12 months, or if you have been a primary signer on a consumer checking account that has received a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate, and other specialty titled accounts are excluded from this offer.

You may earn a $400 reward if you open a new Virtual Wallet with Performance Select or a $100 reward if you open new Virtual Wallet and meet all qualifying conditions. After you open a checking product, you must remain in that product to receive the corresponding reward; changing your checking product after account opening could result in your offer eligibility, terms, and corresponding reward amount changing.

Offer is valid 9/1/2026 through 1/7/2027 and may be extended, modified, or discontinued at any time and may vary by market. PNC Bank may have other checking offers with different terms.

To receive the reward:

• 1) Open a new, eligible PNC checking product online via the application links on this page.
• 2) Set up and receive total qualifying direct deposit(s) within the first 60 days. A qualifying direct deposit for this offer is defined as a recurring direct deposit of a paycheck, pension, Social Security, or other regular income electronically deposited by an employer or an outside agency into the Spend account. The total amount of all qualifying direct deposits received into your Spend account must be at least $500 for Virtual Wallet or $5,000 for Virtual Wallet with Performance Select. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device or through the mail do not qualify as qualifying direct deposits.

The reward will be credited to the eligible account 60–90 days after all conditions have been met and identified as “Credits Check Reward” on your monthly statement. The eligible account must remain open to receive the reward. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms and may be considered taxable income to you. Please consult your tax adviser.

Visit PNC.com/locator to find a PNC or Partner ATM near you where PNC customers can access money fee-free. Partner ATMs are not owned by PNC and may be limited to cash withdrawal functionality.

Virtual Wallet with Performance Select includes no charge for using other banks' domestic or international ATMs and up to $10 fee reimbursement per statement cycle for other banks' ATM surcharge fees.Low Cash Mode is only available on the Spend account of your Virtual Wallet product.

Consumers Credit Union Disclaimer:

*APY = Annual Percentage Yield. CCU’s free Rewards Checking account is a tiered rate account based on qualifying activity. For balances from $ .01 - $10,000, the rate is based on qualifying activity and can range from 3.00% - 5.00% APY if minimum qualifications are met. For all tiers, if minimum qualifications are met, balances from $10,000.01 - $25,000.00 earn 0.20% APY and balances $25,000.01 and greater earn 0.10% APY. If minimum qualifications are not met, balances will earn .01% APY. Please see all terms and conditions on qualifying rate tiers. Fees may reduce earnings. No minimum balance required. This is a variable rate account and may change after the account is opened. APY’s are accurate as of 02.09.2026.

¹Early Direct Deposit fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason we cannot guarantee early deposits in all cases.

Truist Checking Disclaimer:

¹Terms and Conditions: Truist Checking $500 Offer

Offer Information: Open a new Truist One Checking account or Truist Marquee Checking account online, in a branch or by phone from 7/14/26 through 2/2/27 and earn $500 after you complete the following qualifying activities within 120 days of the account opening (the day after your account is opened is considered day 1). All required transactions for qualifying activities must post to the enrolled account within the 120-day qualification period.

• Receive at least two qualifying direct deposits* totaling $2,000 or more, AND
• Complete at least 20 qualifying debit card purchases**

Enrollment in the promotion is required (see Enrollment Instructions). A valid promo code must be applied at account opening to enroll in the promotion and cannot be added after the account is opened. Promo codes are single-use only, should not be shared, and once redeemed, the promo code will no longer be valid.

*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person-to-person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 7/14/25 are not eligible to participate. Offer valid for Truist One Checking accounts and Truist Marquee Checking accounts only. The new checking account cannot be changed to an account type not included in this client offer. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer is available only to U.S. residents with a valid U.S. taxpayer identification number. The client must have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 10 business days after the qualification requirements have been met. The Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. Reward forfeiture will occur if at the time of attempted payout the new checking account: (1) has a $0.00 or negative current balance or (2) is restricted or closed. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account.

Other Terms: The minimum opening deposit for Truist One Checking is $50. The minimum opening deposit for Truist Marquee Checking is $100. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. For Truist Marquee Checking, the Annual Percentage Yield (APY) is 0.01% for all balances $0.01 and above. The APY is accurate as of 7/14/26 and subject to change at any time, including after account opening. Fees may reduce earnings. All standard account terms and conditions apply.

Enrollment Instructions: Online: A valid promo code must be entered in the promo code field during account opening and the offer must be accepted when presented. By Phone or In Person: Request enrollment in the promotion using a valid promo code during account opening. Once enrolled in the promotion, progress updates are available through Truist Online and Mobile Banking or by calling 800-423-0948.

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²The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies.

To INITIALLY QUALIFY for the Balance Buffer, the requirements below must be met:

• Account must be opened for a minimum of 35 calendar days
• Account must be funded with a positive balance
• A single direct deposit of at least $100 made within the last 35 calendar days

To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met:

A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.

For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.

For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Truist Bank, Member FDIC. ©2026, Truist Financial Corporation. Truist, Truist Purple and the Truist Logo are service marks of Truist Financial Corporation.

Axos One Disclaimer:

*The Annual Percentage Yield (APY) is accurate as of Sep 20th 2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.

The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.

Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:

Option 1:

• Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.
• The average daily balance of your Axos ONE® Checking account is at least $1,500.

Option 2:

• Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.
• The average daily balance of your Axos ONE® Checking account is at least $5,000.

If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:

• The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
• The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first $249,999.99 and 3.50% APY on any additional balance for the statement cycle in which the requirements are met.

The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.

A direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits.

Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.

¹Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

Bank of America Disclaimer:

¹UP TO $500 OFFER FOR ADVANTAGE PLUS AND ADVANTAGE RELATIONSHIP ACCOUNTS

Offer is limited to individuals who have not owned or co-owned a Bank of America personal checking account within the last twelve (12) months. Fiduciary accounts (e.g., trusts), Bank of America Advantage SafeBalance Banking®, Bank of America Advantage SafeBalance Banking® for Family Banking accounts, and business accounts are not eligible for this offer. Bonus is only valid for one new Bank of America Advantage Plus Banking® account or one new Bank of America Advantage Relationship Banking® account. Offer cannot be combined with any other checking bonus offer and is limited to one bonus per account and per customer. Offer expires on September 30, 2026. Bank of America may change or discontinue this offer at any time before this date without notice.

You may receive different Bank of America promotional checking offers by various methods, i.e., mail, in person or email/online. These promotional checking offers may have different eligibility, enrollment, and bonus requirements.

Requirements to Receive a Checking Bonus:

1. Enroll in this offer through a Bank of America or Merrill associate or online through this offer’s webpage.

2. Open a new Bank of America Advantage Plus Banking® account or a new Bank of America Advantage Relationship Banking® account by September 30, 2026.

Bank of America Advantage SafeBalance Banking® and Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.

3. Set up and receive Qualifying Direct Deposits into that new Advantage Plus or Advantage Relationship account within ninety (90) days of account opening (“Deposit Period”).

At the end of the 90-day Deposit Period, all Qualifying Direct Deposits will be totaled to determine the bonus amount you may earn (see Bonus Chart).

“Bonus Chart”

After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new Bank of America Advantage Plus Banking® or Bank of America Advantage Relationship Banking® account within sixty (60) days. Offer is not valid if you or we convert your account to a different account type during the Deposit Period and/or up to and including the date any earned bonus would have been paid. Your new account must be open and in good standing up to and including the date any earned bonus is paid.

A “Qualifying Direct Deposit" is a direct deposit of regular monthly income (such as your salary, pension or Social Security benefits, which are made by your employer or other payer) using account and routing numbers that you provide to them.

Examples of non-qualifying transfers and deposits include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill investment account.

Your receipt of any bonus is subject to validation that you have provided all the information we require in connection with maintaining the account. This includes information needed to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of such bonus. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.Additional Terms and Conditions: All account applications are subject to approval. The minimum deposit required to open a Bank of America Advantage Plus Banking® account is $100. The minimum deposit required to open a Bank of America Advantage Relationship Banking® account is $100, and the Annual Percentage Yield (APY) is as follows: less than $50,000, 0.01%; $50,000 and over, 0.02%. APYs are accurate as of 07/01/2026. For today’s rates, select the applicable account at bankofamerica.com/depositsrates. Rates may change at any time without prior notice, before or after the account is opened, and may vary by location. Fees may reduce earnings. Accounts, product terms, and fees may vary by location, and we may discontinue and/or add new account types at any time.

Please consult a financial center, visit bankofamerica.com or see the Personal Schedule of Fees (found at bankofamerica.com/fees) for account fees and additional information about accounts.

Reproduction, purchase, sale, transfer or trade of this offer is prohibited.

Zelle® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a Zelle® eligible U.S. checking or savings account. Bank of America transfers must be made from an eligible consumer or business deposit account. Transactions between enrolled users typically occur in minutes and Bank of America does not charge a transfer fee. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers purchase protection for payments made with Zelle®. Please treat Zelle® payments like cash, once you send the money, you are unlikely to get it back – for example, you do not receive the item you paid for using Zelle® or the item received is not as described. Regular account fees apply.

Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking® account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the Personal Schedule of Fees for more information.

SafeBalance Banking® and SafeBalance Banking® for Family Banking accounts are automatically set to the Decline All overdraft setting. Transactions are declined or returned unpaid when they exceed your available balance. While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen when the final amount of a transaction differs from the amount that was originally authorized, such as when a tip is added to a restaurant charge. If this happens, we won’t charge you an Overdraft Item Fee.

Balance Connect® for overdraft protection allows you to link your eligible checking account with up to 5 eligible Bank of America accounts for overdraft protection. This optional service can help you cover your payments and purchases and help avoid overdrafts and Overdraft Item Fees by automatically transferring available funds from your linked backup account(s) when needed. If your linked backup account does not have enough available funds to cover the necessary amount, we may decline to make the transfer.

Transfers from a linked (1) brokerage account with Merrill Lynch that is enrolled in margin lending, (2) Loan Management Account (LMA®), (3) credit card, or (4) HELOC are subject to interest charges. Please see your account agreement(s) for additional details. Balance Connect® is not available with SafeBalance Banking® or SafeBalance Banking® for Family Banking as a covered or linked backup account. Balance Connect® is available on Advantage Savings as a linked backup account, but not eligible to be enrolled as a covered account.

No fee for incoming domestic wire transfers, stop payments and other services. Please refer to the Personal Schedule of Fees for details.BofA Rewards exclusive deals. BofA Rewards™ members will be eligible for exclusive deal offers. All such offers are subject to the standard terms and conditions of the deals program. Refer to the Deals homepage for details.

BofA Rewards™ Eligibility. Customers can enroll and maintain their membership in BofA Rewards™ if they have an open, qualifying Bank of America® checking account. BofA Rewards tiers are based on each customer’s combined average balance in qualifying deposit and investment accounts. The minimum balance for each tier is: Member, no minimum balance; Preferred Plus, $30,000; Preferred Honors, $100,000; and Premier, $1,000,000. When you enroll, you’ll be placed in the appropriate tier for your combined average balance and then moved to the highest tier you’re eligible for based on one of the following:

1. for the 30 calendar days following your first enrollment, the combined end-of-day collected balance of your qualifying accounts (“Daily Balance”), provided that your Daily Balance remains above the required amount for a minimum of three business days; or

2. subsequently, the combined average balance of your qualifying accounts calculated on the third business day of each month.

Eligible customers will be moved to the higher tier within 3 business days. New tier benefits may take up to 30 days to become effective. For full terms, including qualifying accounts and the method of calculation of average balances, refer to your Personal Schedule of Fees.

Additional Eligibility.Employees and retirees of Bank of America may be eligible for BofA Rewards membership on customized terms. For details, please call Employee Financial Services or refer to the Bank of America intranet site. Bank of America Private Bank clients qualify to enroll in the Premier tier regardless of balances. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible for BofA Rewards on customized terms.

Refer to CEBI Program for details.

To participate, you just need an eligible Bank of America checking account. Checking accounts may have a monthly maintenance fee if waiver requirements are not met.

Bank of America Advantage SafeBalance Banking, Bank of America Advantage Plus Banking, Bank of America Advantage Relationship Banking, Bank of America and the Bank of America logo are registered trademarks of the Bank of America Corporation.

BofA Rewards is a trademark of Bank of America Corporation.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Varo Disclaimer:

1. A full list of Varo fees can be found here.

2. We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

3. Annual Percentage Yield (APY) is accurate as of July 1, 2026. Start earning 1.00% APY, then qualify to earn 3.75% APY on your balance up to $5,000.00 next month by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) Ending the month with a positive balance in all your Varo Accounts. Rates subject to change at any time.

4. Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted. You must add money before using, money added sets the spending limit. Funds spent are held in your Varo Believe Secured Account to pay off any balance in full monthly, when due. Quals apply.

5. Cashback available on specific items or services purchased with your Varo Debit Card or Varo Believe Card at select brands/retailers. Offer details may vary, see the Cashback tab for more details and current deals. The maximum Cashback that can be earned is seven hundred fifty dollars ($750 USD) per calendar month.

BMO Disclaimer:

¹Terms and Conditions for F26 Fall Campaign Digital 1: BMO Smart Money Checking, BMO Smart Advantage Checking or BMO Relationship Checking up to $600 Cash Bonus Offer.

Offer is limited to one per client and account (including trustees, signers, and joint account owners). Offer is not available for existing BMO personal checking clients (including trustees, signers, and joint account owners) or those who have closed a BMO personal checking account within the past 12 months.

This offer is only available for accounts where the primary applicant (first person listed on the account) resides in Arizona, California, Colorado, Florida, Iowa, Illinois, Indiana, Minnesota, New Mexico, Nevada, Oregon, Utah, Washington, or Wisconsin at the time of application. Proof of address may be required.

To take advantage of the new personal checking account cash bonus offer, you must open your account between September 9, 2026 and December 15, 2026, and use the promo code. You may open your account at a BMO financial center, online, or by calling 1-800-546-6101.To apply for a checking account online, click through to the personal checking account cash bonus offer page, select “OPEN IN MINUTES,” for the checking account of your choice and we’ll automatically apply the promo code for you.To apply at a financial center or by phone for a checking account, click through to the personal checking account cash bonus offer page, enter your information, and select “SEND MY PROMO CODE” to receive the promo code you must use when opening your account.Accounts opened online on December 15, 2026 must have their applications submitted and approved prior to 9:00 p.m. Central Time. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by December 15, 2026.

Personal checking new account cash bonus of up to $600: Earn a $100 cash bonus per month (up to $600 for 6 months) when you open a new BMO Smart Money Checking, BMO Smart Advantage Checking, or BMO Relationship Checking account and have qualifying activities.

To receive the personal checking new account cash bonus of up to $600:Open a new BMO Smart Money Checking, BMO Smart Advantage Checking, or BMO Relationship Checking account; andThe primary applicant (first person listed on the account) must reside in Arizona, California, Colorado, Florida, Iowa, Illinois, Indiana, Minnesota, New Mexico, Nevada, Oregon, Utah, Washington, or Wisconsin at the time of application; andBeginning the month following account opening, earn a $100 cash bonus each consecutive month you have a cumulative total of $1,000 or more in qualifying direct deposits post to your account.Business Days are Monday through Friday excluding any holiday on which the Bank and/or the Federal Reserve are closed for processing. Transactions received or occurring on a day other than a Business Day will be posted the next Business Day.Qualifying direct deposits are deposits of regular income from an employer or similar third party - such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account - using your account number and BMO’s routing number that you provide to them. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, BMO Digital Banking transfers or deposits, deposits processed as a debit card credit or real-time credit, transfers from any bank or brokerage account, Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers and deposits received via merchant payment platforms (such as Square®). We reserve the right to request documentation, such as a pay stub or statement of earnings, that the direct deposits qualify.

Your checking account is eligible for up to 6 consecutive cash bonuses. Tracking begins the first calendar day of the month following account opening. Each month you meet offer requirements listed above, a $100 cash bonus will be paid to your account approximately 10 days after the beginning of the next month. The last $100 cash bonus can be earned 6 months after tracking begins. If your account does not meet the offer requirements outlined above in a particular month, you will not be disqualified for subsequent months. For example, you open your account in November and tracking begins December 1. In December you have $1,000 in qualifying direct deposits; the first $100 cash bonus will be paid to your account in January. In January you have $900 in qualifying direct deposits; you will not be paid the second $100 cash bonus in February. In February you have $1,000 in qualifying direct deposits; the third $100 cash bonus will be paid to your account in March.

You are only eligible for one checking account cash bonus offer; you cannot open multiple checking accounts and receive multiple cash bonus offers. The promo code is applied to the first Smart Money Checking, Smart Advantage Checking, or Relationship Checking account that is opened between September 9, 2026 and December 15, 2026.

Cash bonus(es) may be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer. If your balance is zero, we may close your account. Your account must be open, in good standing, must have a balance greater than zero, and must be Smart Money Checking, Smart Advantage Checking, or Relationship Checking when the cash bonus(es) is paid.

Minimum opening deposit of $25 is required for BMO personal checking accounts. BMO Relationship Checking is a variable rate account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier. The following collected balance tiers and corresponding APYs are effective as of September 9, 2026, and are subject to change at our discretion at any time: 0.01% for all balances. Interest is calculated on the entire collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance for each tier to earn the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce earnings. For account and fee information or current interest rates, visit bmo.com.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

³Accounts with zero balance may be closed.

Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC