Best Premium Checking Accounts for October 2024

Citigold® wins a place in GOBankingRates’ Best Premium Checking Accounts of 2024 for many of its top-tier features. Banking customers who maintain a minimum combined average monthly balance of at least $200,000 in linked deposit, retirement and investment accounts receive access to several exclusive Citigold benefits. 

What can you expect to receive? A sampling of Citigold® perks includes preferred pricing and waived banking fees, complimentary financial planning, access to a world-class investment platform and so much more. A dedicated wealth team is also on hand to provide professional guidance, investment strategies, premium banking assistance and even more services to stay one step ahead of the changing financial landscape.

If these incentives aren’t enough, you’ve got the ease of managing your wealth through the Citi® Mobile App. We love how banking at Citi, especially when you open a Citigold® account, allows everyone to unlock their full potential.

If you tend to hold a high bank balance, consider Citizen Bank’s premium checking account, the Citizens Private Client Checking account. While a relatively high minimum balance is required, the perks that come with this account are hard to beat, particularly if you are interested in bundling your account with other products and services.

Investment perks for account holders also incude access to a dedicated team of advisors as well as an investment match on funding when you open a new managed account with Citizens Securities or Clarfeld. You’ll also get discounts on mortgages and HELOCs. 

Because this is a checking account after all, you’ll be delighted to know that you’ll never have to pay an ATM fee, even when you use non-Citizen ATMs. It would seem this premium checking account covers many of your financial bases.

City National Bank provides services for personal banking as well as private and business banking. It’s a great option to help keep your mobile banking easy and convenient and included in its product offerings are a personal savings account, CD accounts, two money market accounts, and of course the impressive Preferred Platinum Checking Account. Perks included with this account include free ATM withdrawals (even out of network), discounts on wealth advisory services, commission-free online equity trading and access to fee-free IRAs.

While this account requires that customers maintain a high balance across all of their City National Bank accounts, the perks are well worth it for those who can maintain high bank balances.

If you’re seeking the perks of a premium checking account without having to maintain a six-figure balance, the Comerica Platinum Circle Checking Account is a great option — the minimum balance requirement is lower than many other accounts in the category. It also boasts the highest ATM withdrawal limits of any of the accounts included in the Best Premium Checking Accounts category.

However, what really separates this checking account from the pack is the personalized experience you’ll have access to. This includes exclusive access to a dedicated service line and your own complete team of experienced investment, planning, insurance and banking specialists. While many financial institutions can feel impersonal, Comerica gives its premium checking account clients a personal touch that’s often missing in banking relationships.

While many premium checking accounts require high minimum deposits to open, you can open a Fifth Third Bank Preferred Checking account with $0 — though you do need to fund it within 90 days of opening. Other perks include no ATM fees anywhere in the U.S. and a 24/7 dedicated customer service line.

Opening a Fifth Third Bank Preferred Checking Account can also save you money if you plan to take out a loan, as account holders have access to exclusive rates on loans with the bank. And it’s easy to earn cash back with the associated debit card, as the Prewards feature allows you to automatically save money at places you already shop.

With a low barrier to entry and a relatively low monthly fee for those who can’t meet the minimum balance requirement, the Preferred Checking Account is a great inclusive option for those who want access to premium checking features.

SimplyMax Checking* is an outstanding checking account, namely because it gives account holders an elite rate reduction on home equity loans, personal loans and personal lines of credit — so long as you set up automatic loan payments from a Flagstar checking account. It also offers an interest rate higher than a lot of savings accounts which goes a long way when growing your wealth.

Additionally, this account is great if you want to tap into premium CD rates, which you can access if you have a minimum of $5,000 in combined balances from any and all accounts with Flagstar.

*This account is no longer featured on Flagstar’s website as of May 31, 2024.

The sky’s the limit for your money when you open a Chase Private Client Checking Account.* 

Ranked as one of GOBankingRates’ Best Premium Checking Accounts of 2024, banking customers immediately receive unique perks including eligibility for an exclusive auto rate discount and higher limits on Chase Private Client debit card purchases and ATM withdrawals.

Best of all, you pay no fees on everyday banking and no ATM fees worldwide. You can also reduce your $35 monthly service fee to $0 if you keep a $150,000 (or more) average beginning day balance or link a Chase Platinum Business Checking Account.

With Truist One Checking Level Premier, you receive all the same perks of the Truist One Checking, like the overdraft cushion with $100 negative balance, along with some other automatic benefits that earn Truist a top spot on our list of Best Premium Checking Accounts.

For premium checking customers, all maintenance fees are waived across all Truist One Checking and Truist One Savings accounts. To make things easier for customers on the go, Truist Checking Level Premier members enjoy unlimited, no-fee non-Truist ATM transactions per cycle — something not all competitors can claim.

High-income banking customers expect superior service, perks and benefits in a checking account. The Wells Fargo Premier Checking Account delivers all this and more as one of the Best Premium Checking Accounts of 2024, based on GOBankingRates’ independent research. 

The interest-bearing checking account is perfect for world travelers and those who don’t want the hassle of fees. It reimburses any out-of-network ATM fees, wherever you are in the world, and also offers free wire transfers and no foreign transaction fees. There is a $35 monthly fee, which you can waive with a combined balance of $250,000 across all your Wells Fargo accounts. 

Zions Bancorporation, a regional bank headquartered in Salt Lake City, holds its own against big banks like Wells Fargo in the category of GOBankingRates’ Best Premium Checking Accounts.

The Zions Premium Interest Checking Account delivers a tiered interest rate of 0.12% up to 0.30% across all your Zions account balances, including checking, savings, money market and CDs. 

Zions waives the monthly fee when you have a combined deposit of $10,000 or a combined deposit and consumer loan balance of $25,000, which means if you hold a mortgage, car loan or credit card with Zions, you can enjoy free premium checking that also earns interest every month. The Premium Interest Checking Account also offers other perks, such as ATM fee rebates, free checks and overdraft transfers with no fee.