Interest Checking

Interest checking features

With Nationwide Bank, you’ll enjoy all these features from your high-yield checking account:

• Higher interest rates on your checking account
• Free first order of exclusive checks; half-price on designer checks
• Free Nationwide online banking and bill payment
• Free online statements detailing monthly activity
• No monthly service fee with $3,000 average daily balance in checking or $5,000 combined average daily balance in checking, savings and money market accounts. Otherwise $10.00.
• Access to more than 70,000 surcharge-free ATMs
• Free Visa^® debit card
• First six non-Nationwide Bank ATM transactions per statement cycle free, but surcharges from ATM owner may apply. Non-Nationwide Bank ATM transactions are free for Nationwide Associate and Agency Banking Program members, but surcharges from ATM owner may apply.
• Free money transfers between your Nationwide Bank accounts and your accounts with other banks.
• Overdraft protection available with a linked savings account. There is a $5 per day transaction fee for overdraft protection.
• Each depositor FDIC insured to at least $250,000.

Refer to our account terms and conditions for more information.

We reserve the right to require seven days’ notice for a withdrawal.

Interest checking rates

Find out how much your interest checking account can earn.

What you need to open a high-interest checking account

Nationwide Bank has a quick and secure online application to make it easy to open an interest checking account online. Before beginning your application, gather this basic information about yourself.

You must be 18 years or older to open an online high-yield checking account.

If you are opening an interest checking account with another person, you will need to have his or her ID and residence information, too. 

You can use our online application to open an individual or joint account with Right of Survivorship and with up to three co-signers. You'll need to fund your account with an initial deposit that you can electronically transfer from another personal bank account or send by check.

Trust accounts are also available and can be opened by calling 1-877-I-Bank-NW (1-877-422-6569) Monday - Friday, 8 a.m. - 8 p.m. ET.

Find answers to the top interest checking account questions

Q. Do any of your accounts include unlimited check writing?
A. Yes. All of our high-interest checking accounts include unlimited check writing.

Q. Can I get overdraft protection for my account?
A. Yes. You can use one or more linked savings accounts to cover overdrafts on your high-yield checking account.

Q. Do any of your accounts include a free debit card?
A. Yes, all of our checking accounts include a Visa debit card with no monthly service fee.

Q. Do any of your accounts have funds transfer?
A. Yes. All of our checking, savings and money market accounts include money transfer services. You can use this free service to transfer funds between your Nationwide Bank accounts and your accounts with other banks.

Q. Can I pay bills online with this account?
A. Yes, just sign up for online bill pay once your interest checking account is open. Find out more about online bill pay here.

Q. Where can I find an ATM in the Nationwide Bank network?
A. Your Nationwide Bank ATM/debit card gives you access to more than 70,000 surcharge-free ATMs within the Allpoint, PNC Bank, Alliance One and MoneyPass ATM networks. Use our ATM locator to find an ATM near you.