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Best Banks & Checking Accounts in Philadelphia, Pennsylvania - June 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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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: June 11, 2026

The best checking rates for Philadelphia, Pennsylvania include Ardent Federal Credit UnionArdent Federal Credit Union1801 Market St, Philadelphia, PA 19103 1628A+5.0 ★Texas Ratio: 4.36% High-Yield Checking Account - qualifying account at 1.50% APY, Sun Federal Credit UnionSun Federal Credit Union2800 W Passyunk Ave, Philadelphia, PA 19145 5206A5.0 ★Texas Ratio: 8.76% Solution 100 and 300 Checking at 0.15% APY, Meridian BankMeridian Bank1760 Market St, Philadelphia, PA 19103A-5.0 ★Texas Ratio: 15.25% Performance Interest Checking at 0.40% APY, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union8500 Essington Ave Ste B, Philadelphia, PA 19153 3716A+5.0 ★Texas Ratio: 2.51% Priority Checking at 0.40% APY, and Hyperion BankHyperion Bank199 W Girard Ave, Philadelphia, PA 19123A+5.0 ★Texas Ratio: 4.37% HyperInterest Checking1 at 0.40% APY. Checking account rates as of June 11, 2026 according to verified data from MonitorBankRates.

Philadelphia has 16 local institutions in our database, with checking rates as high as 1.50% APY from Ardent Federal Credit Union at 1801 Market St, Philadelphia, PA, 19103 1628. 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 Philadelphia, Pennsylvania. Checking Account Rates Last Updated and Verified: June 11, 2026

Compare Checking Account Rates Today in Philadelphia, Pennsylvania & the Surrounding Area

Institutions:
Jump to: All Accounts · High Yield · Rewards · Free Checking · Student · Business

Philadelphia Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St
Philadelphia, PA 19103 1628
High-Yield Checking Account - qualifying account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

up to $25,000; Qualifying balance up to $25,000.00

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking Business
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Tier 4

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking Business
0.75%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details

Balance: $75,000 and above

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking Business
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Tier 3

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking Business
0.65%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details

Balance: $50,000.00 - $74,999.99

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking Business
0.60%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Tier 2

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking Business
0.60%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details

Balance: $25,000.00 - $49,999.99

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking Business
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Tier 1

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking Business
0.55%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details

Balance: $1,000.00-$24,999.99

Meridian Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.25%
1760 Market St
Philadelphia, PA 19103
Performance Interest Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

Tiered rate account. Your entire balance will earn the Interest Rate and APY in effect for the balance tier associated with your daily balance.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B
Philadelphia, PA 19153 3716
Priority Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details

No additional details provided.

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperInterest Checking1
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

(currently unavailable for new account openings)

Port Richmond Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
2522 E Allegheny Ave
Philadelphia, PA 19134
Minor Checking
0.35%
$25
View
▼
Rate0.35%
Min Deposit$25
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

Port Richmond Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
2522 E Allegheny Ave
Philadelphia, PA 19134
Easy Checking
0.35%
$50
View
▼
Rate0.35%
Min Deposit$50
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperInterest Checking1
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
Business Interest Checking Business
0.35%
$1,000
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE
PHILADELPHIA, PA 19144
Free Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B
Philadelphia, PA 19153 3716
Flagship Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details

No additional details provided.

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperInterest Checking1 (non-qualify)
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperFree Checking
0.20%
$50
View
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Philadelphia High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St
Philadelphia, PA 19103 1628
High-Yield Checking Account - qualifying account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

up to $25,000; Qualifying balance up to $25,000.00

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperInterest Checking1
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

(currently unavailable for new account openings)

Meridian Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.25%
1760 Market St
Philadelphia, PA 19103
Performance Interest Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

Tiered rate account. Your entire balance will earn the Interest Rate and APY in effect for the balance tier associated with your daily balance.

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperInterest Checking1
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperInterest Checking1 (non-qualify)
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
3200 Chestnut St
Philadelphia, PA 19104 3395
PERFORMANCE CHECKING
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Platinum Checking Account
0.16%
$0
View
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Balances of $25,000 or more

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2970 Market St
Philadelphia, PA 19104 5002
Premium Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Dividends Compounded and Credited: Quarterly; Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
3200 Chestnut St
Philadelphia, PA 19104 3395
PERFORMANCE CHECKING
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Platinum Checking Account
0.11%
$0
View
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Totally Free Checking Plus
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
3200 Chestnut St
Philadelphia, PA 19104 3395
PERFORMANCE CHECKING
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Meridian Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.25%
1760 Market St
Philadelphia, PA 19103
50+ Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

Meridian Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.25%
1760 Market St
Philadelphia, PA 19103
Performance Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

Tiered rate account. Your entire balance will earn the Interest Rate and APY in effect for the balance tier associated with your daily balance.

Meridian Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.25%
1760 Market St
Philadelphia, PA 19103
Direct Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1510 Packer Ave
Philadelphia, PA 19145
Premium Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

Balance: $0 - $999

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
50 S 16th St
Philadelphia, PA 19102
Interest Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

United Bank of Philadelphia
Institution Rating:
F2.5 ★ Texas Ratio: 45.27%
1501 N Broad St
Philadelphia, PA 19122
United Blue Premium Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

United Bank of Philadelphia
Institution Rating:
F2.5 ★ Texas Ratio: 45.27%
1501 N Broad St
Philadelphia, PA 19122
United Blue Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

Pheple Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.63%
KASASA Cash Checking (Qualifying)
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Rate applies to balances up to $15,000.00. APY is 5.00% for balances up to $15,000.00.

Philadelphia Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
1108 Chestnut St
Philadelphia, PA 19107 4802
Kasasa Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

No additional details provided.

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St
Philadelphia, PA 19103 1628
Cashback Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Pheple Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.63%
KASASA Cash Checking (Qualifying)
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Rate applies to balances up to $15,000.00. APY is 5.00% for balances up to $15,000.00.

Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Reward Checking*
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

QNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Personal QNB Rewards Checking
1.25%
$25
View
▼
Rate1.24%
Min Deposit$25
Min Balance—
UpdatedJun 3, 2026
Details

Apply Online

Pheple Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.63%
KASASA Cash Checking (Qualifying)
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Rate for balances up to $50,000.00

Pheple Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.63%
KASASA Cash Checking (Qualifying)
0.45%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Rate for balances above $50,000.00

QNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Personal QNB Rewards Checking
0.35%
$25
View
▼
Rate0.35%
Min Deposit$25
Min Balance—
UpdatedJun 3, 2026
Details

Apply Online

QNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Personal QNB Rewards Checking
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedJun 3, 2026
Details

Apply Online

Lebanon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Platinum Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Philadelphia Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE
PHILADELPHIA, PA 19144
Free Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

No additional details provided.

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperFree Checking
0.20%
$50
View
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Totally Free Checking Plus
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE
PHILADELPHIA, PA 19144
Free Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

No additional details provided.

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1801 Market St
Philadelphia, PA 19103 1628
Free Basic Checking Account
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
5000 WISSAHICKON AVE
PHILADELPHIA, PA 19144
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

No additional details provided.

Meridian Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.25%
1760 Market St
Philadelphia, PA 19103
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

Arize Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 20.33%
Essential Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details

No additional details provided.

Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Free 50+ Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Free Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Free 50+ Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Free Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Free Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Philadelphia Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hatboro Federal Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Student Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Student Checking
0.05%
$1
View
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedJun 3, 2026
Details

no minimum

Philadelphia Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking Business
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Tier 4

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking Business
0.75%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details

Balance: $75,000 and above

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking Business
0.65%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details

Balance: $50,000.00 - $74,999.99

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking Business
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Tier 3

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking Business
0.60%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details

Balance: $25,000.00 - $49,999.99

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking Business
0.60%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Tier 2

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking Business
0.55%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 7, 2026
Details

Balance: $1,000.00-$24,999.99

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking Business
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

Tier 1

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
Business Interest Checking Business
0.35%
$1,000
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 5, 2026
Details

No additional details provided.

Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
1108 Chestnut St
Philadelphia, PA 19107 4802
Commercial Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
8500 Essington Ave Ste B
Philadelphia, PA 19153 3716
Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details

No additional details provided.

Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
1108 Chestnut St
Philadelphia, PA 19107 4802
Commercial Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details

No additional details provided.

Meridian Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.25%
1760 Market St
Philadelphia, PA 19103
Business Interest Checking (Non-Profit/Sole Proprietor) Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1510 Packer Ave
Philadelphia, PA 19145
Business Interest Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
1108 Chestnut St
Philadelphia, PA 19107 4802
Free Business Checking Business
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedJun 7, 2026
Details

No additional details provided.

Meridian Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.25%
1760 Market St
Philadelphia, PA 19103
Free Business Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

No additional details provided.

United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1510 Packer Ave
Philadelphia, PA 19145
Business Interest Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Premier Business Checking Business
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details

$50,000 and Over

Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★ Texas Ratio: 41.32%
Simplicity Business Checking Business
1.34%
$0
View
▼
Rate1.33%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

No additional details provided.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Business Checking with Interest Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

Account Balance: $5,000,000.00 - $25,000,000.00

Philadelphia, PA Checking Rate Trends

Compare local Philadelphia, PA 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 Pennsylvania Checking Trends →
High-Yield Checking — PA Avg
0.877%
▼ 0.005 vs 7 days ago

Pennsylvania high-yield checking rates fell 0.005 points over the past 7 days to 0.877% APY.

Free Checking — PA Avg
0.591%
▼ 0.060 vs 7 days ago

Pennsylvania free checking rates fell 0.060 points over the past 7 days to 0.591% APY.

As of Jun 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Philadelphia, Pennsylvania checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Philadelphia, Pennsylvania 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 sourcing this data 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 Philadelphia, Pennsylvania. 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 PA.

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 Philadelphia, Pennsylvania earn interest?

Most traditional local checking accounts in Philadelphia, Pennsylvania 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 Philadelphia, Pennsylvania FDIC insured?

Yes. Legitimate banks with branches in Philadelphia, Pennsylvania 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 Philadelphia, Pennsylvania

Based on our current data, some of the highest checking account APYs available to residents of Philadelphia, Pennsylvania include:
  • Ardent Federal Credit Union
    High-Yield Checking Account - qualifying account — 1.50% APY
  • Sun Federal Credit Union
    Solution 100 and 300 Checking — 0.15% APY
  • Meridian Bank
    Performance Interest Checking — 0.40% APY
  • American Airlines Federal Credit Union
    Priority Checking — 0.40% APY
  • Hyperion Bank
    HyperInterest Checking1 — 0.40% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Philadelphia, Pennsylvania. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: June 11, 2026

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