Best Checking Accounts & Rates in Ohio - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best checking rates for Ohio include Fremont Federal Credit UnionFremont Federal Credit Union315 Croghan St, Fremont, OH 43420 3013A+5.0 ★Texas Ratio: 3.63% Hi-Lo Checking at 10.47% APY, Baxter Credit UnionBaxter Credit Union7000 Cardinal Pl, Dublin, OH 43017 1091A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Main Street Bank CorpMain Street Bank Corp120 N 4th St, Toronto, OH 43964A5.0 ★Texas Ratio: 11.67% Impact Checking at 6.00% APY, United Federal Credit UnionUnited Federal Credit Union116 Eastlawn Dr, Marion, OH 43302A+5.0 ★Texas Ratio: 3.35% Ultra Checking at 5.00% APY, and F&M Bank Miamisburg, OHF&M Bank Miamisburg, OH41 S 1st St, Miamisburg, OH 45342A+5.0 ★Texas Ratio: 0.27% Free Kasasa Cash Checking at 4.00% APY. Checking account rates as of April 23, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Ohio side-by-side. Ohio checking rates currently reach as high as 10.47% APY from Fremont Federal Credit Union at 315 Croghan St, Fremont, OH, 43420 3013. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Ohio. Checking Account Rates Last Updated and Verified: April 23, 2026
Compare Checking Account Rates Today in Ohio
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fremont Federal Credit Union
Fremont, OH 43420 3013
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
315 Croghan StFremont, OH 43420 3013
Hi-Lo Checking
10.47%
$50
▼
Rate10.00%
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to $1,500.00
Baxter Credit Union
Dublin, OH 43017 1091
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7000 Cardinal PlDublin, OH 43017 1091
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15000
Main Street Bank Corp
Toronto, OH 43964
Institution Rating:
A5.0 ★ Texas Ratio: 11.67%
120 N 4th StToronto, OH 43964
Impact Checking
6.00%
$100
▼
Rate5.84%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $10,000.00
United Federal Credit Union
Marion, OH 43302
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
116 Eastlawn DrMarion, OH 43302
Ultra Checking
5.00%
$50
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
F&M Bank Miamisburg, OH
Miamisburg, OH 45342
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st StMiamisburg, OH 45342
Free Kasasa Cash Checking
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $20,000
Commodore Perry Federal Credit Union
PORT CLINTON, OH 43452
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1711 W FREMONT RDPORT CLINTON, OH 43452
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to $15,000.00
Baxter Credit Union
Dublin, OH 43017 1091
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7000 Cardinal PlDublin, OH 43017 1091
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15000
Together Credit Union
Columbus, OH 43229 1123
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
690 Schrock RdColumbus, OH 43229 1123
High Interest Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
Kemba Credit Union
West Chester, OH 45069
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
8763 Union Centre BlvdWest Chester, OH 45069
Get Green Rewards Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifications Required; Qualifying balance up to $15,000.00
Riverside Bank of Dublin
Dublin, OH 43017
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
555 Metro Pl NDublin, OH 43017
15 Months - must have a checking account with direct deposit
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
First Choice Rewards Checking
3.10%
$50
▼
Rate3.05%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
Qualifications Required: Qualifying transactions must post and clear account during the monthly qualification cycle; Qualifying balance up to $10,000.00; First Choice Rewards Checking rates apply if qualifications are met.
GLASS CITY
Maumee, OH 43537
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1340 Arrowhead DrMaumee, OH 43537
Optimum Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $25,000.00
Community Bank Zanesville, OH
Zanesville, OH 43701
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th StZanesville, OH 43701
Reward Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Riverside Bank of Dublin
Dublin, OH 43017
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
555 Metro Pl NDublin, OH 43017
Good Neighbor Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Home Loan SB
Coshocton, OH 43812
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
413 Main StCoshocton, OH 43812
2.50%
$50
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details
Qualifying balance up to $24,999.00
Home Loan SB
Coshocton, OH 43812
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
413 Main StCoshocton, OH 43812
NEwPreferred rewards Checking*
2.50%
$50
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details
Qualifying balance up to $24,999.00
Code Credit Union
Dayton, OH 45402
Institution Rating:
A5.0 ★ Texas Ratio: 8.18%
355 W Monument AveDayton, OH 45402
Premier Checking
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Cornerstone Community Financial Credit Union
Perrysburg, OH 43551
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
28543 Oregon RdPerrysburg, OH 43551
Rewards Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15,000.00
Cornerstone Community Financial Credit Union
Perrysburg, OH 43551
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
28543 Oregon RdPerrysburg, OH 43551
Core Rewards Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15,000.00
First Federal S&L Newark, OH
Newark, OH 43055
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2 N 2nd StNewark, OH 43055
WePayU Checking
2.02%
$25
▼
Rate2.00%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details
Qualifications Required: 12 or more debit card transactions posted to the account each statement cycle; Activating e-statement enrollment; One or more direct deposits in this account each statement cycle; Qualifying balance up to $9,999.99
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fremont Federal Credit Union
Fremont, OH 43420 3013
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
315 Croghan StFremont, OH 43420 3013
Hi-Lo Checking
10.47%
$50
▼
Rate10.00%
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to $1,500.00
Baxter Credit Union
Dublin, OH 43017 1091
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7000 Cardinal PlDublin, OH 43017 1091
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15000
Main Street Bank Corp
Toronto, OH 43964
Institution Rating:
A5.0 ★ Texas Ratio: 11.67%
120 N 4th StToronto, OH 43964
Impact Checking
6.00%
$100
▼
Rate5.84%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $10,000.00
United Federal Credit Union
Marion, OH 43302
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
116 Eastlawn DrMarion, OH 43302
Ultra Checking
5.00%
$50
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Commodore Perry Federal Credit Union
PORT CLINTON, OH 43452
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1711 W FREMONT RDPORT CLINTON, OH 43452
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to $15,000.00
Baxter Credit Union
Dublin, OH 43017 1091
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7000 Cardinal PlDublin, OH 43017 1091
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15000
Together Credit Union
Columbus, OH 43229 1123
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
690 Schrock RdColumbus, OH 43229 1123
High Interest Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
Kemba Credit Union
West Chester, OH 45069
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
8763 Union Centre BlvdWest Chester, OH 45069
Get Green Rewards Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifications Required; Qualifying balance up to $15,000.00
F&M Bank Miamisburg, OH
Miamisburg, OH 45342
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st StMiamisburg, OH 45342
Free Kasasa Cash Checking
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $20,000
Riverside Bank of Dublin
Dublin, OH 43017
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
555 Metro Pl NDublin, OH 43017
15 Months - must have a checking account with direct deposit
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
First Choice Rewards Checking
3.10%
$50
▼
Rate3.05%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
Qualifications Required: Qualifying transactions must post and clear account during the monthly qualification cycle; Qualifying balance up to $10,000.00; First Choice Rewards Checking rates apply if qualifications are met.
GLASS CITY
Maumee, OH 43537
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
1340 Arrowhead DrMaumee, OH 43537
Optimum Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $25,000.00
Riverside Bank of Dublin
Dublin, OH 43017
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
555 Metro Pl NDublin, OH 43017
Good Neighbor Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Community Bank Zanesville, OH
Zanesville, OH 43701
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th StZanesville, OH 43701
Reward Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Home Loan SB
Coshocton, OH 43812
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
413 Main StCoshocton, OH 43812
2.50%
$50
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details
Qualifying balance up to $24,999.00
Home Loan SB
Coshocton, OH 43812
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
413 Main StCoshocton, OH 43812
NEwPreferred rewards Checking*
2.50%
$50
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details
Qualifying balance up to $24,999.00
Code Credit Union
Dayton, OH 45402
Institution Rating:
A5.0 ★ Texas Ratio: 8.18%
355 W Monument AveDayton, OH 45402
Premier Checking
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Cornerstone Community Financial Credit Union
Perrysburg, OH 43551
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
28543 Oregon RdPerrysburg, OH 43551
Rewards Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15,000.00
Cornerstone Community Financial Credit Union
Perrysburg, OH 43551
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
28543 Oregon RdPerrysburg, OH 43551
Core Rewards Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15,000.00
First Federal S&L Newark, OH
Newark, OH 43055
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2 N 2nd StNewark, OH 43055
WePayU Checking
2.02%
$25
▼
Rate2.00%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details
Qualifications Required: 12 or more debit card transactions posted to the account each statement cycle; Activating e-statement enrollment; One or more direct deposits in this account each statement cycle; Qualifying balance up to $9,999.99
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
F&M Bank Miamisburg, OH
Miamisburg, OH 45342
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st StMiamisburg, OH 45342
Free Kasasa Cash Checking
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $20,000
Kemba Credit Union
West Chester, OH 45069
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
8763 Union Centre BlvdWest Chester, OH 45069
Get Green Rewards Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifications Required; Qualifying balance up to $15,000.00
Commodore Perry Federal Credit Union
PORT CLINTON, OH 43452
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1711 W FREMONT RDPORT CLINTON, OH 43452
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to $15,000.00
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
First Choice Rewards Checking
3.10%
$50
▼
Rate3.05%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
Qualifications Required: Qualifying transactions must post and clear account during the monthly qualification cycle; Qualifying balance up to $10,000.00; First Choice Rewards Checking rates apply if qualifications are met.
Home Loan SB
Coshocton, OH 43812
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
413 Main StCoshocton, OH 43812
NEwPreferred rewards Checking*
2.50%
$50
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details
Qualifying balance up to $24,999.00
Community Bank Zanesville, OH
Zanesville, OH 43701
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th StZanesville, OH 43701
Reward Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Cornerstone Community Financial Credit Union
Perrysburg, OH 43551
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
28543 Oregon RdPerrysburg, OH 43551
Core Rewards Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15,000.00
Cornerstone Community Financial Credit Union
Perrysburg, OH 43551
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
28543 Oregon RdPerrysburg, OH 43551
Rewards Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $15,000.00
Abbey Credit Union
Vandalia, OH 45377 8600
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
800 Falls Creek DrVandalia, OH 45377 8600
KASASA Cash Checking**
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
KH Credit Union
Dayton, OH 45459
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
7740 Paragon RdDayton, OH 45459
Perks Plus Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Community Bank Zanesville, OH
Zanesville, OH 43701
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th StZanesville, OH 43701
Reward Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Community Bank Zanesville, OH
Zanesville, OH 43701
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th StZanesville, OH 43701
Reward Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Portage Community Bank
Ravenna, OH 44266
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
1311 E Main StRavenna, OH 44266
Neighbor Rewards Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
If qualifications are not met
Christian Family Credit Union
North Canton, OH 44720
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
8800 Cleveland Ave NWNorth Canton, OH 44720
Member Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Educational Community Alliance Credit Union
Toledo, OH 43615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
3845 Angola RdToledo, OH 43615
5+5 Ultimate Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Home Loan SB
Coshocton, OH 43812
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
413 Main StCoshocton, OH 43812
rewards checking
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details
No additional details provided.
Christian Family Credit Union
North Canton, OH 44720
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
8800 Cleveland Ave NWNorth Canton, OH 44720
Member Rewards Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Community Star Credit Union
Elyria, OH 44035 4141
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
832 Cleveland StElyria, OH 44035 4141
Cash Back Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
KH Credit Union
Dayton, OH 45459
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
7740 Paragon RdDayton, OH 45459
Perks Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
F&M Bank Miamisburg, OH
Miamisburg, OH 45342
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st StMiamisburg, OH 45342
Free Kasasa Cash Checking
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $20,000
F&M Bank Miamisburg, OH
Miamisburg, OH 45342
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st StMiamisburg, OH 45342
Freedom Checking
0.25%
$2,000
▼
Rate0.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
First Choice Basic Checking
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
First Choice Basic Checking
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
First Choice Basic Checking
0.15%
$50
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
First Choice Basic Checking
0.10%
$50
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
F&M Bank Miamisburg, OH
Miamisburg, OH 45342
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st StMiamisburg, OH 45342
Freedom Checking
0.05%
$2,000
▼
Rate0.05%
Min Deposit$2,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
First Choice Basic Checking
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
Home Loan SB
Coshocton, OH 43812
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
413 Main StCoshocton, OH 43812
Free Checking plus interest
0.01%
$50
▼
Rate0.01%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details
No additional details provided.
AurGroup Credit Union
Fairfield, OH 45014
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
8811 Holden BlvdFairfield, OH 45014
Everyday Plus Checking
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Warsaw Federal S&L
Cincinnati, OH 45205
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
3533 Warsaw AveCincinnati, OH 45205
Simply Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Open Online
First Mutual Bank, FSB
Belpre, OH 45714
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
605 Washington BlvdBelpre, OH 45714
Simply Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details provided.
KH Credit Union
Dayton, OH 45459
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
7740 Paragon RdDayton, OH 45459
Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Firefighters And Company Federal Credit Union
Dayton, OH 45402 2845
Institution Rating:
A5.0 ★ Texas Ratio: 9.99%
338 S Patterson BlvdDayton, OH 45402 2845
Free Share Draft Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details provided.
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MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
CAREY POVERELLO
Carey, OH 43316 1038
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
201 N Vance StCarey, OH 43316 1038
Youth Checking Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Community Star Credit Union
Elyria, OH 44035 4141
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
832 Cleveland StElyria, OH 44035 4141
Launch Teen Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
Business Interest and Non-Profit Business Checking
2.07%
$100
▼
Rate2.05%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
Business Interest and Non-Profit Business Checking
1.26%
$100
▼
Rate1.25%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
Business Interest and Non-Profit Business Checking
1.06%
$100
▼
Rate1.05%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
Business Interest and Non-Profit Business Checking
0.80%
$100
▼
Rate0.80%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
Sun Federal Credit Union
Maumee, OH 43537
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland RdMaumee, OH 43537
Premium Business Checking
0.75%
$5,000
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Sun Federal Credit Union
Maumee, OH 43537
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland RdMaumee, OH 43537
Business Checking
0.75%
$1,000
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Dollar Bank, Federal Savings Bank
Cleveland, OH 44114
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
140 Public SqCleveland, OH 44114
Business Checking with Interest
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
No additional details provided.
Sun Federal Credit Union
Maumee, OH 43537
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland RdMaumee, OH 43537
Premium Business Checking
0.65%
$5,000
▼
Rate0.65%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Sun Federal Credit Union
Maumee, OH 43537
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland RdMaumee, OH 43537
Business Checking
0.65%
$1,000
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Sun Federal Credit Union
Maumee, OH 43537
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland RdMaumee, OH 43537
Premium Business Checking
0.60%
$5,000
▼
Rate0.60%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Community Bank Zanesville, OH
Zanesville, OH 43701
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th StZanesville, OH 43701
Business Select Checking
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Sun Federal Credit Union
Maumee, OH 43537
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland RdMaumee, OH 43537
Business Checking
0.60%
$1,000
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Sun Federal Credit Union
Maumee, OH 43537
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland RdMaumee, OH 43537
Premium Business Checking
0.55%
$5,000
▼
Rate0.55%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Sun Federal Credit Union
Maumee, OH 43537
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland RdMaumee, OH 43537
Business Checking
0.55%
$1,000
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details provided.
Dollar Bank, Federal Savings Bank
Cleveland, OH 44114
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
140 Public SqCleveland, OH 44114
Business Checking with Interest
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
No additional details provided.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
Business Interest and Non-Profit Business Checking
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
Community Bank Zanesville, OH
Zanesville, OH 43701
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th StZanesville, OH 43701
Business Select Checking
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Community Bank Zanesville, OH
Zanesville, OH 43701
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th StZanesville, OH 43701
Business Select Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
No additional details provided.
Versailles S&L Co.
Versailles, OH 45380
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
10413 Kley RdVersailles, OH 45380
Basic Business Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Minimum $2,500 to avoid service charge.
FNB of Pandora
Pandora, OH 45877
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main StPandora, OH 45877
Business Interest and Non-Profit Business Checking
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Ohio Checking Rate Trends
Compare local Ohio checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Checking — OH Avg
0.868%
▼ 0.493 vs 7 days ago
Ohio high-yield checking rates fell 0.493 points over the past 7 days to 0.868% APY.
Free Checking — OH Avg
0.766%
▲ 0.019 vs 7 days ago
Ohio free checking rates rose 0.019 points over the past 7 days to 0.766% APY.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Ohio directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Ohio. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in OH.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Ohio earn interest?
Most traditional local checking accounts in Ohio earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.
Are banks in Ohio FDIC insured?
Yes. Legitimate banks with branches in Ohio are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.
What fees should I watch out for?
Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.
What is a Rewards Checking account?
Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.
Best Checking Rates in Ohio
Based on our current data, some of the highest checking account APYs available to residents of Ohio include:
- Fremont Federal Credit Union
Hi-Lo Checking — 10.47% APY - Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - Main Street Bank Corp
Impact Checking — 6.00% APY - United Federal Credit Union
Ultra Checking — 5.00% APY - F&M Bank Miamisburg, OH
Free Kasasa Cash Checking — 4.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ohio. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 23, 2026
Checking Account Rates by City in Ohio
Rate Assistant
MonitorBankRates.com · Live Data
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