6 no-fee banks in 2022
Only 6 of the 60 largest US financial institutions charged no service fees on deposit accounts in 2022. Here they are.
Just 6 out of the largest 60 financial institutions did not charge any service fees during 2022:
- Goldman Sachs Bank USA
- Charles Schwab Bank
- Morgan Stanley Bank, N.A.
- American Express National Bank
- UBS Bank USA
- Synchrony Bank
Fee schedules change, so check each bank’s current terms before opening an account. For what banks charge for and how to avoid it, see $33 billion in bank fees charged in 2022.
Current checking account rates
These are today’s top checking offers by APY, updated regularly.
4 offers, highest APY first. Updated November 3, 2026.
| Rank | Institution | Offer | For | APY |
|---|---|---|---|---|
| 1 |  Customers Bank | Customers Bank Personal Checking | Personal | 2.00% |
| 2 |  NBKC Bank | NBKC Bank Everything Account | Personal | 1.75% |
| 3 |  SoFi | SoFi Checking and Savings | Personal | 0.50% |
| 4 |  CIT Bank | CIT Bank eChecking | Personal | 0.10% |