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Best Banks & Checking Accounts in Cleveland, Ohio - April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 23, 2026

The best checking rates for Cleveland, Ohio include Cardinal Credit Union IncCardinal Credit Union Inc1220 Som Center Rd Unit A, Cleveland, OH 44124 2002A5.0 ★Texas Ratio: 7.29% Premier Plus Checking at 1.00% APY, PSE Credit Union IncPSE Credit Union Inc1800 Carnegie Ave, Cleveland, OH 44115 2312A+5.0 ★Texas Ratio: 4.41% Renew Checking at 0.05% APY, Century Federal Credit UnionCentury Federal Credit Union21000 Brookpark Rd, Cleveland, OH 44135 3127A+5.0 ★Texas Ratio: 4.21% Regular Checking at 0.03% APY, Firefighters Community Credit UnionFirefighters Community Credit Union2300 Saint Clair Ave NE, Cleveland, OH 44114 4049A+5.0 ★Texas Ratio: 4.09% Regular Checking at 0.01% APY, and Ohio Educational Credit UnionOhio Educational Credit Union2921 Community College Ave, Cleveland, OH 44115A+5.0 ★Texas Ratio: 0.95% Select Checking Account at 0.01% APY. Checking account rates as of April 23, 2026 according to verified data from MonitorBankRates.

Cleveland has 6 local institutions in our database, with checking rates as high as 1.00% APY from Cardinal Credit Union Inc at 1220 Som Center Rd Unit A, Cleveland, OH, 44124 2002. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Cleveland, Ohio. Checking Account Rates Last Updated and Verified: April 23, 2026

Compare Checking Account Rates Today in Cleveland, Ohio & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
Premier Plus Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
Premier Plus Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
SmartStart Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
Premier Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
SmartStart Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
Premier Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
SmartStart Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
Premier Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

PSE Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1800 Carnegie Ave
Cleveland, OH 44115 2312
Renew Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

PSE Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1800 Carnegie Ave
Cleveland, OH 44115 2312
Organizational Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Century Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
21000 Brookpark Rd
Cleveland, OH 44135 3127
Regular Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Balance is $5,000.00 and over

Century Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
21000 Brookpark Rd
Cleveland, OH 44135 3127
Regular Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Balance is $1,000.00 - $4,999.99

Firefighters Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
2300 Saint Clair Ave NE
Cleveland, OH 44114 4049
Regular Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Firefighters Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
2300 Saint Clair Ave NE
Cleveland, OH 44114 4049
ADVANTAGE Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
2921 Community College Ave
Cleveland, OH 44115
Select Checking Account
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
1900 Superior Ave E STE 126
Cleveland, OH 44114 2128
Second Chance Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

PSE Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1800 Carnegie Ave
Cleveland, OH 44115 2312
Renew Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
2921 Community College Ave
Cleveland, OH 44115
Select Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Hi-Lo Checking
10.47%
$50
View
▼
Rate10.00%
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,500.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
Premier Plus Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Cardinal Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1220 Som Center Rd Unit A
Cleveland, OH 44124 2002
Premier Plus Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Firefighters Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
2300 Saint Clair Ave NE
Cleveland, OH 44114 4049
ADVANTAGE Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Hi-Lo Checking
10.47%
$50
View
▼
Rate10.00%
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,500.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

Main Street Bank Corp
Institution Rating:
A5.0 ★ Texas Ratio: 11.67%
Impact Checking
6.00%
$100
View
▼
Rate5.84%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Ultra Checking
5.00%
$50
View
▼
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
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $15,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
High Interest Checking
4.00%
$0
View
▼
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
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Get Green Rewards Checking
4.00%
$0
View
▼
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
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Free Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000

Riverside Bank of Dublin
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
15 Months - must have a checking account with direct deposit
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
First Choice Rewards Checking
3.10%
$50
View
▼
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
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Optimum Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $25,000.00

Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Reward Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

Home Loan SB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2.50%
$50
View
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $24,999.00

Riverside Bank of Dublin
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Good Neighbor Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

Home Loan SB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
NEwPreferred rewards Checking*
2.50%
$50
View
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $24,999.00

Code Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.18%
Premier Checking
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Free Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Get Green Rewards Checking
4.00%
$0
View
▼
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
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $15,000.00

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
First Choice Rewards Checking
3.10%
$50
View
▼
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
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
NEwPreferred rewards Checking*
2.50%
$50
View
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $24,999.00

Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Reward Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Core Rewards Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Rewards Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

Abbey Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
KASASA Cash Checking**
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

KH Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Perks Plus Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Reward Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Reward Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

Portage Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
Neighbor Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

If qualifications are not met

Christian Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Member Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
5+5 Ultimate Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Home Loan SB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
rewards checking
0.01%
$100
View
▼
Rate0.01%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Christian Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Member Rewards Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

KH Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Perks Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Free Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000

F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Freedom Checking
0.25%
$2,000
View
▼
Rate0.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
First Choice Basic Checking
0.25%
$50
View
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
First Choice Basic Checking
0.20%
$50
View
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
First Choice Basic Checking
0.15%
$50
View
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
First Choice Basic Checking
0.10%
$50
View
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Freedom Checking
0.05%
$2,000
View
▼
Rate0.05%
Min Deposit$2,000
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
First Choice Basic Checking
0.05%
$50
View
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Home Loan SB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Free Checking plus interest
0.01%
$50
View
▼
Rate0.01%
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

AurGroup Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Everyday Plus Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Warsaw Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

Open Online

First Mutual Bank, FSB
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

KH Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.99%
Free Share Draft Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Youth Checking Account
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Launch Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
140 Public Sq
Cleveland, OH 44114
Business Checking with Interest
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
140 Public Sq
Cleveland, OH 44114
Business Checking with Interest
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

PSE Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1800 Carnegie Ave
Cleveland, OH 44115 2312
Small Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

PSE Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1800 Carnegie Ave
Cleveland, OH 44115 2312
Commercial Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
Business Interest and Non-Profit Business Checking
2.07%
$100
View
▼
Rate2.05%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
Business Interest and Non-Profit Business Checking
1.26%
$100
View
▼
Rate1.25%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
Business Interest and Non-Profit Business Checking
1.06%
$100
View
▼
Rate1.05%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
Business Interest and Non-Profit Business Checking
0.80%
$100
View
▼
Rate0.80%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Premium Business Checking
0.75%
$5,000
View
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Business Checking
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Premium Business Checking
0.65%
$5,000
View
▼
Rate0.65%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Business Checking
0.65%
$1,000
View
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Business Select Checking
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Premium Business Checking
0.60%
$5,000
View
▼
Rate0.60%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Business Checking
0.60%
$1,000
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Business Checking
0.55%
$1,000
View
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Premium Business Checking
0.55%
$5,000
View
▼
Rate0.55%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
Business Interest and Non-Profit Business Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Business Select Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Business Select Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details

No additional details provided.

Cleveland, OH Checking Rate Trends

Compare local Cleveland, OH 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.

View Full Ohio Checking Trends →
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 Cleveland, 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 Cleveland, 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 Cleveland, Ohio earn interest?

Most traditional local checking accounts in Cleveland, 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 Cleveland, Ohio FDIC insured?

Yes. Legitimate banks with branches in Cleveland, 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 Cleveland, Ohio

Based on our current data, some of the highest checking account APYs available to residents of Cleveland, Ohio include:
  • Cardinal Credit Union Inc
    Premier Plus Checking — 1.00% APY
  • PSE Credit Union Inc
    Renew Checking — 0.05% APY
  • Century Federal Credit Union
    Regular Checking — 0.03% APY
  • Firefighters Community Credit Union
    Regular Checking — 0.01% APY
  • Ohio Educational Credit Union
    Select Checking Account — 0.01% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cleveland, Ohio. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 23, 2026

Cleveland, Ohio Rates & Resources

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