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Best Online Checking Accounts of 2019

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*required to submit

Earn 17x more*

Best Checking Accounts of 2019

1.00% APY on balances of $2,500–$99,99999

Open Online Now

Get more from your
free checking account!

Open Online Now

for the 3rd straight year!

Earn 1.00% APY
on balances of $2,500–$99,999*

Earn 1.20% APY
on balances of $100,000 & up*

Never pay an ATM fee1
No monthly fees*

What makes Hybrid the
best online checking account?

Open Online Now

Open an account online in under 3 minutes
with as little as $100!

Apply Online


ATM fee savings annually2

Hybrid Checking

ATM fee savings annually2

Free ATMs worldwide

We won't charge a fee, and we rebate ATM fees 
charged by other banks, worldwide.

It’s that easy!

Use any ATM you want!

As seen on:

Morning Brew
The Hustle

Ready to apply?

You'll need:

3 minutes of your time

Open your account completely online
in 3 minutes or less

$100 or more to open

Fund via debit card, prepaid card, or transfer from your existing bank account

Your Social Security number

or Individual Tax ID number
to verify your identity

Open Online Now
Radius Mobile app

Deposit checks

View transactions

Send and request money from friends

Transfer funds to/from your Radius account

Manage your budget

Track your spending

Lower utility bills with Bill Shark

Insure the things you love with Lemonade

Available for iOS and AndroidTM

  Bank from anywhere with Radius Mobile 3

A full-service bank at your fingertips

Open Online Now

Open an account online in under 3 minutes
with as little as $100!

Apply Online

Radius Debit Card

Turn your debit card on & off, set custom alerts, location-based access, transaction restrictions, and spending caps in seconds.

Protect your free debit card
with the Radius Card app!

Not ready yet?

Leave your email address
and we'll reach out to you later!

Copyright © 2019 Radius Bank. Member FDIC. Equal Housing Lender. All rights reserved.

*Radius Hybrid Checking earns 17-20 times more than the national average interest checking account. Source: FDIC as of 4/15/2019. Radius Hybrid Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account. Annual Percentage Yield (APY) is accurate as of 4/15/2019. Minimum amount to open account is $100.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.01—$2,499.99, 1.00% APY applies to the entire balance on balances of $2,500.00 — $99,999.99, and 1.20% APY applies to the entire balance on balances of $100,000.00 or more. Rates may change after the account is opened. Fees may reduce earnings. Average Interest Checking vs. Radius Hybrid Checking interest earned annually calculations are based on account balances of $10,000.00.

[1] Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Radius Hybrid Checking account using the Radius Debit Card wherever it is accepted. Radius Bank does not charge a fee for using another bank’s ATM. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. Radius Bank makes its best effort to identify those ATM fees eligible for a rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 1.800.242.0272. Radius Bank reserves the right to modify or discontinue the ATM surcharge rebate program at any time.

[2] Out-of-network ATM fees cost $4.69 on average. Source: CNBC as of 4/15/2019. If someone were to use an out-of-network ATM 6 times per month at an average fee of $4.69 per withdrawal, they would spend $337.68 in ATM fees in 12 months.

[3] Standard data and message rates may apply for all Mobile Banking services, including the Radius Mobile and Radius Card apps. Radius Mobile and Radius Card are available for free on Android and iOS mobile devices and are only available to Radius Bank account holders.

Equal Housing Lender - Member FDIC
Radius Bank