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Bankrate reviewed and rated checking accounts from over 100 banks and credit unions based on their fees, balance requirements, funds access and more to help you choose the best checking account. Open a checking account online today. A checking account is offered by a bank or credit union and is used by consumers to pay bills and expenses through paper checks, via a debit card or going online.

These checking accounts reward you for meeting certain monthly requirements—like debit card purchases—with apys that are quite a bit higher than most other bank accounts.

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