When it comes to making and managing extra cash, having the right checking account matters. Whether you're cashing out from survey sites, getting paid from gig apps, or just want a no-fuss account with solid perks, picking the right bank can make a difference.
Some checking accounts offer early direct deposit, no fees, or even high interest on your balance—things that can stretch your extra earnings even further. Below are the best checking accounts for BeerMoney hustlers, complete with perks, fees (or lack thereof), and why they’re worth considering.
1. Current – Get Paid Early & Borrow Up to $750
Best for: Gig workers and side hustlers who need early access to their money.
Current is a mobile banking app that’s designed for people who don’t want to deal with hidden fees. You get:
- Fee-free overdrafts up to $200 with Current Overdrive™
- Early direct deposit—get paid up to two days early
- Up to $750 in payday advances
- No hidden fees or minimum balance requirements
- Bonus rewards on everyday purchases
This is a great pick if you need fast access to your cash and want overdraft protection without sneaky fees. Plus, the payday advance feature can be a lifesaver.
Get paid early and borrow up to $750—open a Current account today.
2. Chase Total Checking® – Solid Big Bank Option
Best for: Those who want a traditional bank with nationwide access.
If you like the idea of a checking account from a big bank, Chase Total Checking® is a solid choice. It includes:
- A $300 sign-up bonus when you set up direct deposit
- Access to 4,700+ Chase branches and 15,000+ ATMs
- Online and mobile banking with bill pay
- Zero fees at Chase ATMs
The only downside? There’s a $12 monthly fee—but it can be waived if you meet direct deposit or balance requirements.
Get a $300 bonus when you open a Chase Total Checking® account.
3. SoFi Checking & Savings – High Interest & No Fees
Best for: Earning interest and getting paid early.
SoFi isn’t just a checking account—it’s a checking and savings combo that pays you to keep your money there. Here’s why it stands out:
- 3.80% APY on savings and 0.50% APY on checking
- Early direct deposit – get paid up to two days early
- No fees (no overdraft, no account fees)
- Up to 15% cash back on select purchases
- $325 sign up bonus
If you want high interest and zero fees, SoFi is a top-tier option. It’s also great for managing money between different financial goals.
Earn up to 4.60% APY and never pay fees—sign up for SoFi Checking & Savings.
4. Axos ONE® – High-Yield Savings and Checking Bundle
Best for: Individuals seeking to maximize interest earnings with bundled accounts.
Axos ONE® offers a combined checking and savings account with impressive interest rates and minimal fees:
- Up to 4.86% APY on savings and 0.51% APY on checking when requirements are met
- No monthly maintenance fees, overdraft fees, or minimum balance requirements
- Early payday—access your funds up to two days early
- Access to over 95,000 fee-free ATMs nationwide
To earn the highest rates, set up qualifying direct deposits totaling at least $1,500 monthly and maintain an average daily balance of $1,500 in your checking account.
Open an Axos ONE® account to enjoy high-interest earnings and a fee-free banking experience.
5. Quontic High-Interest Checking – Up to 1.10% APY
Best for: Those who want rewards for debit card spending.
Quontic is a digital bank that offers a unique high-interest checking account with rewards based on spending. Features include:
- Earn 1.10% APY by making at least 10 qualifying debit card transactions per month
- No monthly fees and no overdraft fees
- Access to 90,000+ ATMs nationwide
If you use your debit card often, this is a great way to earn passive income from your checking account.
Get 1.10% APY just for using your debit card—open a Quontic High-Interest Checking account.
6. Go2Bank – Easy Mobile Banking with Overdraft Protection
Best for: No-credit-check overdraft protection and mobile banking.
Go2Bank provides a straightforward mobile banking experience with features designed to help manage your finances effectively:
- Overdraft protection up to $200
- Early direct deposit—access your paycheck sooner
- 5% interest on savings (up to $5,000)
- Cash deposits accepted at over 90,000 retail locations
Sign up for Go2Bank to benefit from early direct deposits and robust overdraft protection.
Final Thoughts: What’s the Best Checking Account for You?
The best checking account depends on your needs:
💰 Need a payday advance? Current has up to $750.
🏦 Want a big bank with branches? Chase Total Checking® is the way to go.
📈 Want high interest? SoFi or Axos Bank offer great APYs.
💳 Use your debit card a lot? Quontic pays you for spending.
📱 Need overdraft protection? Go2Bank or Current have your back.
Whatever you choose, having the right account can maximize your BeerMoney earnings and make managing your cash flow easier. 🚀
