WHY IT'S A WINNER
Capital One doesn’t serve a single, contiguous geographic region—but if it’s got an on-the-ground presence near you, it’s a good choice. The bank charges low fees and pays a checking account interest rate that’s more than twice the brick-and-mortar average. And if you can’t find an ATM when you need one, it pays more than enough reimbursements each month to cover the fees that an average consumer would incur.
You’ll need a $5,000 combined balance to maintain Capital One’s High Yield Checking account.
850 in Connecticut, D.C., Delaware, Louisiana, Maryland, New Jersey, New York, Texas, and Virginia
Maintenance fee: $0
ATM fee: $0 and up to $15 in reimbursements
Interest on $5,000: 0.4% for the first 12 months, then 0.2%
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