Checking (tie): BofI Rewards Checking

To get the best possible deals, you’ll probably need to bank online—and accept the hassle of keeping different accounts at different banks.“It pays to be a free agent,” says Bankrate’s Greg McBride. “You can often get better terms by shopping around.” Here are MONEY’s à la carte recommendations.

WHY IT’S A WINNER

Bank of Internet reimburses unlimited out-of-network ATM fees in the U.S. and requires no minimum balance. Plus, heavy debit-card users can get a chart-topping 1.25% interest rate with no minimum balance.

Caveats

BofI charges a 2% foreign-transaction fee. And the yield is tied to your direct deposits and debit card activity; if you have direct deposits but fewer than 10 debit charges per month, for instance, you’ll earn only 0.42%.

Account Terms

BofI Rewards Checking

Maintenance fee: $0
ATM fee: $0 and unlimited reimbursements
Interest on $5,000: 1.25% if you have monthly direct deposits of at least $1,000 and use the Rewards Check­ing Visa Debit Card at least 15 times a month

Here are MONEY’s picks for the Best Stand-Alone Bank Accounts of 2015-2016:

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