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Best Banks & Checking Accounts in Miami, Florida - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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: March 22, 2026

The best checking rates for Miami, Florida include Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL 33196A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Power Financial Credit UnionPower Financial Credit Union1100 NW 95th St, Miami, FL 33150 2038A5.0 ★Texas Ratio: 9.97% Cash Back Checking at 6.00% APY, Connect Credit UnionConnect Credit Union1000 NW 111th Ave, Miami, FL 33172 5800A+5.0 ★Texas Ratio: 2.61% E-Checking at 3.50% APY, First American BankFirst American Bank1801 Sw 1st St, Miami, FL 33135A+5.0 ★Texas Ratio: 1.73% Everyday Rewards Checking at 1.00% APY, and Miami Federal Credit UnionMiami Federal Credit Union51 SW 1st Ave Ste 604, Miami, FL 33130 1611A+5.0 ★Texas Ratio: 2.24% Share Draft Checking at 0.15% APY.

Looking for the best checking accounts in Miami, Florida? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Miami, Florida, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Miami, Florida. Checking Account Rates Last Updated and Verified: March 22, 2026

Miami, FL Checking Rate Trends

Compare local Miami, FL checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Florida Checking Trends →
High-Yield Checking — FL Avg
2.009%
▲ 1.871 from last week

Florida high-yield checking rates rose 1.871 points this week to 2.009% APY, up from 0.138% last week.

Rewards Checking — FL Avg
1.360%
▼ 0.084 from last week

Florida rewards checking rates fell 0.084 points this week to 1.360% APY, down from 1.444% last week.

As of Mar 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Miami, Florida & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave
Miami, FL 33196
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Power Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
1100 NW 95th St
Miami, FL 33150 2038
Cash Back Checking
6.00%
$0
View
▼
Rate5.82%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

to open; Qualifying balance up to $15,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave
Miami, FL 33196
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1000 NW 111th Ave
Miami, FL 33172 5800
E-Checking
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Everyday Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
51 SW 1st Ave Ste 604
Miami, FL 33130 1611
Share Draft Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Share Draft Checking account dividends are based on Average Daily Balance, Compounded Monthly.

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Advantage Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Optimal Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Interest Checking
0.10%
$0
View
▼
Rate0.09%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $100,000

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3275 Nw 79th St
Miami, FL 33147
UNITY Gold Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3275 Nw 79th St
Miami, FL 33147
UNITY E-Gold Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Premier Interest Checking
0.10%
$0
View
▼
Rate0.09%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Interest Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $99,999.99

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Premier Interest Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Premier Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Optimal Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $49,999.99

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309
Miami, FL 33128 1706
Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3275 Nw 79th St
Miami, FL 33147
UNITY Non-Profit Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave
Miami, FL 33196
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Power Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
1100 NW 95th St
Miami, FL 33150 2038
Cash Back Checking
6.00%
$0
View
▼
Rate5.82%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

to open; Qualifying balance up to $15,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave
Miami, FL 33196
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1000 NW 111th Ave
Miami, FL 33172 5800
E-Checking
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Everyday Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Advantage Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Premier Interest Checking
0.10%
$0
View
▼
Rate0.09%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Interest Checking
0.10%
$0
View
▼
Rate0.09%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $100,000

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Interest Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $99,999.99

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Premier Interest Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Premier Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $49,999.99

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Interest Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $4,999.99

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Premier Interest Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Advantage Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Premier Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy
Miami, FL 33176
Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $1,000

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
300 E Sugarland Hwy
Clewiston, FL 33440
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd
Pensacola, FL 32514 5723
High-Yield Checking
5.05%
$0
View
▼
Rate5.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Power Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
1100 NW 95th St
Miami, FL 33150 2038
Cash Back Checking
6.00%
$0
View
▼
Rate5.82%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

to open; Qualifying balance up to $15,000.00

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Everyday Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
300 E Sugarland Hwy
Clewiston, FL 33440
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
30645 US Highway 19 N Unit 11
Palm Harbor, FL 34684 4410
Kasasa Cash Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

First Port City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
463781 State Road 200
Yulee, FL 32097
Port City Rewards Interest Checking
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

First Port City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
463781 State Road 200
Yulee, FL 32097
Port City Rewards Checking
2.50%
$100
View
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

BROWARD HEALTHCARE
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2350 W COMMERCIAL BLVD
FORT LAUDERDALE, FL 33309
Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.65%
3815 N Nebraska Ave
Tampa, FL 33603
Rewards Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required: monthly recurring direct deposit or ACH debit; Qualifying balance up to $5,000.00; Simply maintain a monthly recurring direct deposit or ACH debit to meet monthly Reward requirements.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Platinum Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave
Orlando, FL 32806 1212
Premium Rewards Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr
Brandon, FL 33511
Cash Back Checking Standard
0.02%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
910 Thomas Dr
Panama City, FL 32408 7442
Ignite Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
3333 Henderson Blvd
Tampa, FL 33609 2955
Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
1801 Sw 1st St
Miami, FL 33135
Everyday Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
300 E Sugarland Hwy
Clewiston, FL 33440
5.12%
$100
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
1030 US Highway 1
Rockledge, FL 32955 2716
Free Checking Plus
2.50%
$0
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000.00

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
1199 N Eglin Pkwy
Shalimar, FL 32579 1252
Access America Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd
Winter Haven, FL 33884
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2405 Lucien Way
Maitland, FL 32751
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2405 Lucien Way
Maitland, FL 32751
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Priority One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
3000 N University Dr
Sunrise, FL 33322 1611
New Access Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Ocala Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
2675 SE 36th Ave
Ocala, FL 34471
Economy Free Pension Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
103 S Tyndall Pkwy
Panama City, FL 32404 6722
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
3333 Henderson Blvd
Tampa, FL 33609 2955
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1982 N State Road 7
Margate, FL 33063
Essential Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Power Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
1100 NW 95th St
Miami, FL 33150 2038
Cha-Ching Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

to open

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
1030 US Highway 1
Rockledge, FL 32955 2716
Student Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000.00

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Youth Checking
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Student Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
7041 Grand National Dr Ste 201
Orlando, FL 32819
Youth Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
5000 US Highway 1 N
St Augustine, FL 32095 6200
YOUth Journey Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd
Winter Haven, FL 33884
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Priority One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
3000 N University Dr
Sunrise, FL 33322 1611
Express Zip & Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1225 Millennium Pkwy
Brandon, FL 33511
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1111 Brickell Ave
Miami, FL 33131
NewtekOne Business Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave
Miami, FL 33196
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3275 Nw 79th St
Miami, FL 33147
UNITY Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
111 NW 1st ST
Miami, FL 33128
Simple Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Power Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
1100 NW 95th St
Miami, FL 33150 2038
Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

to open

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
4.25%
$10,000
View
▼
Rate4.17%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
4.00%
$10,000
View
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
3.00%
$10,000
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
2.75%
$10,000
View
▼
Rate2.72%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N
Saint Petersburg, FL 33713
Business IOTA Checking
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
2.50%
$10,000
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
1.65%
$10,000
View
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking and higher
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$1,000,000

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
300 S Plumosa St
Merritt Island, FL 32952
Business Titanium Checking
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
1.40%
$10,000
View
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
1.25%
$10,000
View
▼
Rate1.24%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
300 S Plumosa St
Merritt Island, FL 32952
Business Titanium Checking
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256
Business Solutions Checking
1.14%
$0
View
▼
Rate1.13%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$500,000 - $999,999.99

Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1615 NW 80th Blvd
Gainesville, FL 32606
Business Interest Checking
1.00%
$10,000
View
▼
Rate1.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1982 N State Road 7
Margate, FL 33063
emPower Business Checking
1.00%
$50
View
▼
Rate1.00%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Miami, Florida 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 Miami, Florida. 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 FL.

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 Miami, Florida earn interest?

Most traditional local checking accounts in Miami, Florida 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 Miami, Florida FDIC insured?

Yes. Legitimate banks with branches in Miami, Florida 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 Miami, Florida

Based on our current data, some of the highest checking account APYs available to residents of Miami, Florida include:
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • Power Financial Credit Union
    Cash Back Checking — 6.00% APY
  • Connect Credit Union
    E-Checking — 3.50% APY
  • First American Bank
    Everyday Rewards Checking — 1.00% APY
  • Miami Federal Credit Union
    Share Draft Checking — 0.15% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Miami, Florida. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 22, 2026

Miami, Florida Rates & Resources

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