Best Checking Account
From EverBank comes a Best Checking Account for a consumer that does not require that large amount of money be kept in the account to save on the fees and to receive the interest rate. For the first 3 months after opening this account the holder will receive an interest rate of 2.51%. After the 3 months the account balance will receive a rate depending on the size of the balance. For balances of $9,999 or less the interest rate is 1.20%. For balances of $10,000 to $24,999 the interest rate is 1.23%. Balances between $25,000 and $49,999 the interest rate is 1.31% and for balances above $50,000 the interest rate is 1.72%. To open a checking account and receive these rates you must have a minimum deposit of $1500. There is no minimum balance amount to earn interest and there is no monthly fee. This account comes with free online and mobile banking, Visa check card and unlimited check writing. This rate was posted on 10/9/09 and is subject to change without notice.
Charles Schwab Bank offers an online interest bearing checking account. The current APY is 0.75% with $1.00 minimum to open an account. There is no monthly fess but there is a $25 NSF fee. There are no fees for using an ATM whether it is a Schwab or another financial intuition. This rate was posted on 10/13/09 and is subject to change without notice.
These are just 2 of the best checking account online at the present moment. As the economy starts to move out of the recession, better offers are likely to appear as Bank Rates improve.
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