Bankmatch
Match
Personal

Current accounts in United States

Everyday accounts, ranked on total yearly cost rather than sign-up offers.

6Offers
—Lowest APR
2Providers
  • ✓Free to compare
  • ✓Supervised by OCC, FDIC and the CFPB
  • ✓FDIC deposit insurance up to $250,000

read live from provider feeds

Market coverage: 6 providers tracked in this market. Providers pay us, usually only if you take up a product; the order is computed from the rate they publish — read how we order lists and where the figures come from. How we order lists Data sources.

Available now

Current accounts you can open today

Live from the providers we have a distribution agreement with in your market.

1

Consumers Credit Union Free Checking

8.74.4(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

2

Consumers Credit Union Rewards Checking

8.74.4(1)
Savings rate
Not shown here
Deposit
$5
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Rewards Checking (one per member; not for businesses): 5.00% APY on balances to $10,000 with basic service requirements plus $1,000 CCU credit-card spend; 4.00% with $500 spend; 3.00% with basic requirements only; 0.20% from $10,000.01–$25,000 and 0.10% above that when qualified; 0.01% if requirements are not met. Smart Saver 3.00% APY when qualifications are met, else 0.25%. Visa cards have $0 annual fee; published APRs as low as 13.20% (Platinum) to 25.20% (share secured), effective 13 January 2026. Source: myconsumers.org/rates, 2026-08-27.

3

Consumers Credit Union Student Choice Checking

8.74.4(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

4

Quorum QBoost Checking

8.64.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

5

Quorum QClassic Checking

8.64.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

6

Quorum QFlex Checking

8.64.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

Labels are derived from the published terms in this list — the lowest rate, the fastest stated payout, the widest amount range — and are recalculated whenever the list changes. They are not paid placements.

Advertiser disclosure. No rate on this page is comparable across the products listed, so the list is not ranked on price. It is ordered alphabetically by provider instead. How this list is ordered

Bankmatch is paid by the providers whose products appear here, in most cases only if you go on to be approved for or take up a product. Payment does not affect the order of this list, or the rates and fees shown, which come from the provider.

The order is calculated before any commercial term is considered. No provider can buy a higher position, no placement here is for sale, and products with no published rate appear last.

Deposit accounts shown are offered by the named institution, not by Bankmatch. Bankmatch is not an FDIC-insured institution and deposits are not made with Bankmatch. Confirm the institution's insured status at FDIC BankFind before you deposit.

NOT FDIC INSURED. NO BANK GUARANTEE. MAY LOSE VALUE. Investment and insurance products are not deposits, are not insured by the FDIC or any federal government agency, are not guaranteed by any bank, and may lose value.

We collect what you enter on this form to show you matching products and, where you agree, to email you. We do not sell or share personal information, and we do not disclose it to any lender. Our privacy notice explains what we hold, how long we keep it, and how to access, correct or delete it.

Payment does not affect this order. No provider can buy a higher position, and the order is calculated from published rates before any commercial term is considered. Products with no published rate appear last.

Where two products carry the same rate, the earlier one keeps its place. Products we earn nothing from are ordered the same way as products we do.

We do not cover every product on the market. A provider absent from this list is not a judgement about it.

Quorum Federal Credit Union: Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

Consumers Credit Union (CCU): Rewards Checking (one per member; not for businesses): 5.00% APY on balances to $10,000 with basic service requirements plus $1,000 CCU credit-card spend; 4.00% with $500 spend; 3.00% with basic requirements only; 0.20% from $10,000.01–$25,000 and 0.10% above that when qualified; 0.01% if requirements are not met. Smart Saver 3.00% APY when qualifications are met, else 0.25%. Visa cards have $0 annual fee; published APRs as low as 13.20% (Platinum) to 25.20% (share secured), effective 13 January 2026. Source: myconsumers.org/rates, 2026-08-27.

Local to United States

Products that only exist in this market

HSA

Triple-tax-advantaged health savings account, paired with a high-deductible plan.

529 plan

State-sponsored education savings with tax-free qualified withdrawals.

Certificates of deposit

Fixed-term deposits with FDIC protection and early-withdrawal penalties.

Open the local calculators

Pricing shown is indicative and taken from published price lists for United States. It is a comparison based on published product criteria — not financial advice, and never a promise of approval.

A current or chequing account in United States is everyday banking: deposits, payments and a debit card from a licensed deposit-taker. Eligible balances are covered by FDIC deposit insurance under OCC, FDIC and the CFPB. Compare the monthly fee, what it takes to waive it, overdraft APR and whether the account is actually available to residents here.

What the fee buys

A “free” account can still charge for overdrafts, foreign spend or paper statements. A fee-charging account can still be cheaper if it includes the payments you actually use. We only list providers with a live apply link. Related: savings if the money will sit, banks for who is licensed here, and cards if revolving credit is the product you need.

FAQ

Questions readers in this market ask

Answered with local rules, local supervision and local pricing — not a translated US page.

What does a current account cost in United States?

The real cost of an everyday account sits in monthly fees, FX mark-ups, ATM charges and overdraft pricing. We list those on each product rather than inventing a typical monthly figure.

Who supervises the providers compared on Bankmatch in United States?

Every institution listed for United States is supervised by OCC, FDIC and the CFPB. Eligible deposits are covered by FDIC deposit insurance up to $250,000 per depositor and institution.

What does "APR" mean here?

APR is the effective annual cost used in United States, including interest and mandatory fees. We always show the local measure so figures match the provider's own price list.

Do you check my credit to show matches?

Providers in United States assess applications with a FICO score. We shortlist on the published minimum criteria only — Bankmatch never runs a credit check.

How current is the pricing on this page?

Every figure on this page is read from the provider's own product feed, so it changes here when the provider changes it rather than when we get round to retyping it. We deliberately do not stamp a verification date on the page: the feed does not record when a provider last reviewed a figure, so any date we printed would be our guess dressed up as a fact. Where a required number is missing from the feed we leave the field empty instead of estimating it.

How does Bankmatch make money?

Providers pay us a fee, and in most cases it falls due only if a reader goes on to be approved for or take up the product; on a few products it is a percentage of the amount borrowed. That never changes the order: it is computed from the price the provider publishes, before any commercial term is read, and placement is not for sale. The methodology page sets out exactly how the order is derived so you can check a list against it.