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Financial Advice Disclosure: This article and the comparison table are not personal financial advice. While we provide information resources and educational pieces, the content here is not a substitute for personal financial guidance from a registered financial advisor.

Advertiser Disclosure: Many of the listings that appear on this site are from advertisers. This website receives compensation from these advertisers. How and where products appear on this site (including, as an example, the order they appear in) may be effected by this compensation. The offers presented on this site do not represent all products available. The Federal Deposit Insurance Corporation insures Bank and thrift deposits up to $250,000. The National Credit Union Administration insures Credit Union deposits up to $250,000. Many banks and credit unions may show different rates on their own websites. If you have a complaint about the institution you choose or believe you have received an inaccurate quote, please let us know immediately.

Editorial Disclosure: Our editorial team has written content that has not been provided or commission by any partner or financial institution. The opinions, thoughts, reviews or recommendations expressed in any editorial content or article mention are solely those of our editorial team.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Mastercard, Mastercard Global Service, and the circles design are registered trademarks of Mastercard International Incorporated.

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Western Alliance Bank APY Disclosure

^ⓘ The annual percentage yield (APY) is accurate as of 10/8/2024 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.

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Upgrade Rewards Checking Plus Disclosure

Rewards Checking Plus customers who set up monthly direct deposits of $1,000 or more earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars – including deliveries – and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

There are no overdraft fees or annual fees. Optional out-of-network ATM withdrawals are subject to a fee of $2.50, plus any third-party fees. Debit card transactions with merchants outside the U.S. or in a foreign currency are subject to a 3% fee. Outbound domestic wire transfers are subject to a fee of $20 after your first fee-free transfer per calendar month. Please refer to the applicable Cross River Bank Checking Deposit Account Agreement and Upgrade Visa® Debit Card Agreement and Disclosures for more information.

Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards and more. See the Active Account page for more information.