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Financial Institution
Checking Account Type
Minimum Balance to Open
Monthly Fee
Requirements to Avoid Monthly Fee?
Cash Back Rewards/Dividends
FedChoice
Cash Back Checking
High Yield Checking
60,000+ nationwide
$0.00
No
Up to $25.00/month~
3.00% APY on balances up to $10,000^^
Bank of America
Advantage Relationship Banking®
$100.00
$25.00°
Yes
0.01% APY on balances <$50,000
Capital One
360 Checking® (Online)
0.10% APY on balances up to $49,999.99
Wells Fargo
Prime Checking
$25.00
$25.00*
0.05% APY on balances up to $99,999.99
Truist
One Checking
$50.00
$12.00+
Varying benefit levels based on total average monthly portfolio balances
PNC
Virtual Wallet
$25.00 ($0 when Spend Account is opened online)
$7.00#
Spend Account of a Virtual Wallet does not earn interest
All information is subject to change without notice. Current as of 12/6/2022. Reasonable efforts are made to maintain accurate information, but we do not guarantee the accuracy of the data. Refer to each financial institution for current information and details about terms, restrictions and conditions for eligibility, participation and monthly fees. ~ Maximum award of .50% cash back (up to $25) when you make 15+ debit card purchases during a monthly qualification cycle. Enrollment to receive eStatements is required. ^^ Make 15+ purchases with your debit card, spending $500 during a monthly qualification cycle to earn 3.00% APY on balances up to $10,000. Enrollment to receive eStatements is required. See the FedChoice Membership and Account Agreement for applicable account requirements for each checking account. ºFee waived for $10,000 balance in eligible linked accounts. *Fee waived for $20,000+ in statement-ending qualifying balances in linked accounts. + Fee waived for $500.00 in total qualifying direct deposits/statement cycle, take out a Truist loan or for students under age 25. #No monthly fee for account holders age 62+ or when average monthly balance is $500 or $500 in qualifying monthly direct deposits.