The national average checking account interest rate is 0.07% APY as of February 2026, per FDIC data. See how rates compare and where to find a better rate.

The Capital One 360 Checking Account has no monthly fees, and customers can access more than 70,000 free nationwide ATMs. There’s also no minimum to open or minimum balance requirements, and the ...

SoFi’s Checking and Savings account earns a 0.50% APY (variable and subject to change) on the balance in its checking portion. Customers who enroll in SoFi Plus with direct deposit, or pay a $10 SoFi ...

Not all checking accounts pay interest. Among those that do, the numbers are pretty dismal — the average only pays 0.07%, according to the latest government data. Despite those low returns, dozens of ...

The national average APY for a checking account in February 2026 is just 0.07% APY. But there are accounts offering APYs way higher than that, with multiple offering 7% APY and up. Since a checking ...

If you want to earn interest on your cash without giving up easy access to your funds, a money market account (MMA) could be ...

Learn how these common accounts compare (and why you should probably use both) ...