---
title: 'Checking: Ally Interest Checking'
description: 'Branches: None Account terms Maintenance fee: $0 ATM fee: $0, plus ­reimburses ­unlimited surcharges from other banks Interest on $2,500: 0.10% Why it’s a winner:…'
authors:
  - name: amassamoney
    url: https://money.com/author/amassamoney/
    at_money_since: 2014
    former_staff: true
published: '2014-10-23T19:39:40.000Z'
modified: '2014-10-23T19:39:40.000Z'
section: Banking
tags:
  - ally
  - Barclays
  - best banks
  - Schwab
canonical: https://money.com/collection-post/best-standalone-accounts/
type: Article
source: structured-blocks
---

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![Checking: Ally Interest Checking](https://money.com/img/logo-social.png)

**Branches:** None

**Account terms**

-   **Maintenance fee:** $0
-   **ATM fee:** $0, plus ­reimburses ­unlimited surcharges from other banks
-   **Interest on $2,500:** 0.10%

**Why it’s a winner:** Free checking with a top-tier yield and the ability to withdraw from any ATM without cost. The 0.10% rate on up to $15,000 is very good for those balances. And if you have $15,000-plus, you get a hefty 0.60%.

**Caveats:** Some smaller banks are competitive on interest for lower balances (see Capital One). But Ally takes the edge for reimbursing unlimited ATM surcharges with no minimum balance.

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