Top checking account: Memory Bank – EarnMore Checking
The EarnMore Checking Account is another product on our list that pays interest. Folks who open the online account can earn 0.90 percent APY on balances up to $249,999. Higher balances may earn 0.05 percent APY. There is no minimum balance needed to earn this interest rate, but you’ll need at least $50 to open the account.
The bank’s extensive ATM network includes Allpoint, MoneyPass, SUM, and Presto ATMs, meaning that customers can visit more than 92,000 surcharge-free ATMs. Live customer support through the bank’s online chat is helpful, as are the MemoryAlert balance and activity notifications.
Memory Bank is an online-only banking division of the Republic Bank & Trust Company, which is based in Louisville, Kentucky. The bank touts that it is a digital-banking platform, meaning there are no physical branches.
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