Checking accounts make for a central part of personal finance and budget handling. They make it extremely easy to handle your day-to-day finances and bring forth several other benefits. While finance specialists have always emphasized the idea of the essentiality of holding a checking account, today it is also the need of the hour. However, getting the best from a checking account comes down to choosing a great bank. There is a slew to pick from with each bank offering perks such as cash back rewards, free ATM service, free debit card service, and more.

If you are confused about which bank can offer you the best checking accounts, here is a list of popular ones that will suit your needs:

Simple
Launched in 2012, Simple is a new entrant in the financial arena. The institution was acquired by BBVA but continues to operate as a stand-alone bank. The bank does not possess any physical branches and thus, all the services must be availed online. They also offer a mobile app service that makes the banking process much easier. For people looking to control or fix their current financial status, the bank offers commendable budgeting and automatic saving options. Moreover, the online banking process is extremely easy to use, and all of it is offered at no cost or fees.

Chase Bank
The Chase bank network is notably wide and generates the best service for people looking to enjoy personal banking. It enjoys a great reputation in the banking sector and works with old school features. The bank has physical branches where one can undertake in-person banking; however, there are fees levied on accounts with a minimum amount of balances and other defaults. The bank also falls back on low-interest rates. Nevertheless, the checking account service is the best in class and can effectively serve all the needs smoothly.

Discover Bank
Discover Bank offers a good online service that brings respite from the need to maintain a minimum balance. It does away with the several additional monthly fees that are charged by most other banks. The bank offers notable features such as online bill payment, ATM services, debit card replacements, and more without any fees. The checking account can be operated without much hassle and the returns are notable. However, the one downside attached with this checking account is that the debit card can be used for transaction only with certain merchants.

Charles Schwab Bank
The Charles Schwab Bank may be well renowned as an investment company, but it also offers the best service through its checking account. The accounts stand out as there is no requirement to maintain a minimum balance, the fees are low, and most importantly, any ATM around the world can be used without fee payment. There are no foreign ATM fees and in the case of any charge, the same is reimbursed automatically into the account. It brings great savings, especially for people who travel regularly. You also enjoy benefits such as free bill payment, no-fee transfers, debit card service at no cost, and many more perks.