Best joint checking accounts in May 2025

Appropriately named, the NBKC Everything Account combines checking and savings into one product that pays 1.75 percent APY on all balances. There’s also a savings goal-setting tool, which is valuable for couples. If you’re planning a big spring break vacation together, it’s a way to keep both of you on track (though you could earn a higher APY on savings elsewhere). You’ll get a lot of the same features here as you do at other online banks, such as no fees, no minimum balance requirements and early direct deposit.

• For checking balances, the 1.75 percent APY is high and especially good because there are no requirements to earn it.
• No fees, no minimum balance requirements and access to over 90,000 fee-free ATMs (with reimbursements for out-of-network charges, too).
• Early direct deposit is available.
• The account offers savings and budgeting tools.

• 1.75 percent APY on your checking is a great APY, but you can earn more on your savings with a high-yield savings account or even with the bank’s money market account, which currently pays 3 percent APY.
• Combining “everything” in an everything account can get messy if you and your joint owner aren’t careful. In many cases, it’s smart to keep a defined line between your spending and your saving accounts.