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Home › Checking Accounts › Pennsylvania Checking › Philadelphia, Pennsylvania Pennsylvania Checking Rate Trends iAdvertiser Disclosure
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Best Banks & Checking Accounts in Philadelphia, Pennsylvania - March 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: March 20, 2026

The best checking rates for Philadelphia, Pennsylvania include Sharon BankSharon Bank1900 South St, Philadelphia, PA 19146A+5.0 ★Texas Ratio: 5.37% 1873 High Interest Checking at 2.25% APY, Ardent Federal Credit UnionArdent Federal Credit Union1801 Market St, Philadelphia, PA 19103 1628A+5.0 ★Texas Ratio: 4.56% High-Yield Checking Account at 1.50% APY, Mid Penn BankMid Penn Bank2900 Comly Rd, Philadelphia, PA 19154A+5.0 ★Texas Ratio: 2.55% IOLTA Checking at 1.50% APY, Meridian BankMeridian Bank1760 Market St, Philadelphia, PA 19103A-5.0 ★Texas Ratio: 15.25% Performance Interest 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.

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

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

Checking account rates reflect recent market quotes and representative offers available to depositors in Philadelphia, Pennsylvania. Checking Account Rates Last Updated and Verified: March 20, 2026

Philadelphia, PA Checking Rate Trends

Compare local Philadelphia, PA 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 Pennsylvania Checking Trends →
High-Yield Checking — PA Avg
0.462%
▲ 0.212 from last week

Pennsylvania high-yield checking rates rose 0.212 points this week to 0.462% APY, up from 0.250% last week.

Rewards Checking — PA Avg
2.049%
▲ 0.605 from last week

Pennsylvania rewards checking rates rose 0.605 points this week to 2.049% APY, up from 1.444% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sharon Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
1900 South St
Philadelphia, PA 19146
1873 High Interest Checking
2.25%
$100
View
▼
Rate2.23%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sharon Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
1900 South St
Philadelphia, PA 19146
High Interest Checking
2.25%
$100
View
▼
Rate2.23%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St
Philadelphia, PA 19103 1628
High-Yield Checking Account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $25,000.00

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2900 Comly Rd
Philadelphia, PA 19154
IOLTA Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

IOLTA Checking1, 3

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—
UpdatedMar 20, 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—
UpdatedMar 14, 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
Easy Checking
0.35%
$50
View
▼
Rate0.35%
Min Deposit$50
Min Balance—
UpdatedMar 17, 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
Minor Checking
0.35%
$25
View
▼
Rate0.35%
Min Deposit$25
Min Balance—
UpdatedMar 17, 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—
UpdatedMar 14, 2026
Details

No additional details provided.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
901 Arch St
Philadelphia, PA 19107 2404
Checking (S4)2
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

On all balances

Hyperion Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
199 W Girard Ave
Philadelphia, PA 19123
HyperInterest Checking1
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details

(non-qualify)

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—
UpdatedMar 14, 2026
Details

No additional details provided.

Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
1108 Chestnut St
Philadelphia, PA 19107 4802
Senior Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
1108 Chestnut St
Philadelphia, PA 19107 4802
Better Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
PERFORMANCE CHECKING
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2900 Comly Rd
Philadelphia, PA 19154
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Platinum Checking Account
0.16%
$0
View
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Balances of $25,000 or more

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St
Philadelphia, PA 19104 5002
Premium Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
PERFORMANCE CHECKING
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Cash Management Checking
0.11%
$0
View
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sharon Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
1900 South St
Philadelphia, PA 19146
1873 High Interest Checking
2.25%
$100
View
▼
Rate2.23%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sharon Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
1900 South St
Philadelphia, PA 19146
High Interest Checking
2.25%
$100
View
▼
Rate2.23%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2900 Comly Rd
Philadelphia, PA 19154
IOLTA Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

IOLTA Checking1, 3

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St
Philadelphia, PA 19103 1628
High-Yield Checking Account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

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—
UpdatedMar 14, 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—
UpdatedMar 20, 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—
UpdatedMar 14, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
PERFORMANCE CHECKING
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2900 Comly Rd
Philadelphia, PA 19154
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details

(non-qualify)

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Platinum Checking Account
0.16%
$0
View
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Balances of $25,000 or more

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
2970 Market St
Philadelphia, PA 19104 5002
Premium Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
PERFORMANCE CHECKING
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Platinum Checking Account
0.11%
$0
View
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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—
UpdatedMar 20, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
PERFORMANCE CHECKING
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Totally Free Checking Plus
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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—
UpdatedMar 20, 2026
Details

Qualifying balance up to $1,500.00

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—
UpdatedMar 20, 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—
UpdatedMar 15, 2026
Details

No additional details provided.

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: 4.56%
1801 Market St
Philadelphia, PA 19103 1628
Cashback Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
1108 Chestnut St
Philadelphia, PA 19107 4802
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Heritage Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
111 Hulst Dr Ste 703A
Matamoras, PA 18336
Heritage Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required: qualifications are met; Earn Cash Back on up to $500 in Debit Card Purchases

Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
40 E Market St
Wilkes Barre, PA 18711
Reward Checking*
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $5,000.00

NEW CUMBERLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
345 Lewisberry Rd
New Cumberland, PA 17070 2306
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $20,000

Penn East Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
441 N 7th Ave
Scranton, PA 18503
High Rewards Checking
3.09%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $7,500.00

Pennsylvania Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
959 E Park Dr
Harrisburg, PA 17111 2810
HD Plus (Rewards) Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required: Monthly qualifications; Qualifying balance up to $75,000.00

InFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
935 Philadelphia St
Indiana, PA 15701
INFIR$T REWARD$ Cash Back Checking
3.00%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: 12 POS debit card purchases post and settle during the statement cycle; Be enrolled and receive your monthly account statement electronically; Have at least one direct deposit or one ACH automatic payment post and settle to your account per monthly qualification cycle; Earn 3.00% cash back on debit card purchases (up to $200 in purchases; maximum of $6.00/statement cycle)

InFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
935 Philadelphia St
Indiana, PA 15701
INFIR$T REWARD$ Cash Checking
2.50%
$100
View
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Lanco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
349 W Roseville Rd
Lancaster, PA 17601
Kasasa Cash Back Checking
2.50%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $340

Pennsylvania Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
959 E Park Dr
Harrisburg, PA 17111 2810
HD (Rewards) Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required: Monthly qualifications; Qualifying balance up to $75,000.00

Horizon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.27%
1007 E 3rd St
WILLIAMSPORT, PA 17701
Rewards Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $25,000.00

The Dime Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
820 Church St
Honesdale, PA 18431
Kasasa Cash Checking
1.31%
$50
View
▼
Rate1.30%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $15,000.00

QNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15 N 3rd St
Quakertown, PA 18951
Personal QNB Rewards Checking
1.25%
$25
View
▼
Rate1.24%
Min Deposit$25
Min Balance—
UpdatedMar 11, 2026
Details

Qualifying balance up to $24,999.99; Apply Online

Citizens Savings Bank Clarks Summit, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 S State St
Clarks Summit, PA 18411
1.20%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.87%
111 Parkwest Dr
Pittsburgh, PA 15275 1112
Checking+ Rewards
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required: eStatements; 1+ online/mobile sign-on monthly; 1+ direct deposit monthly; 15+ settled debit card purchases monthly; Qualifying balance up to $1,000.00

MCS Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
100 Commerce Dr
Milroy, PA 17063
Free Kasasa Cash Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

Presence Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
185 E Lincoln Hwy
Coatesville, PA 19320
REWARDS CHECKING
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Presence Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
185 E Lincoln Hwy
Coatesville, PA 19320
REWARDS CHECKING
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Lebanon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
300 Schneider Dr
Lebanon, PA 17046
Platinum Rewards Checking
0.10%
$0
View
▼
Rate0.10%
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
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—
UpdatedMar 14, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
2060 Red Lion Rd
Philadelphia, PA 19115 1603
Totally Free Checking Plus
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Ardent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1801 Market St
Philadelphia, PA 19103 1628
Free Basic Checking Account
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5000 WISSAHICKON AVE
PHILADELPHIA, PA 19144
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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—
UpdatedMar 20, 2026
Details

No additional details provided.

Citizens Savings Bank Clarks Summit, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 S State St
Clarks Summit, PA 18411
1.20%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000

MCS Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
100 Commerce Dr
Milroy, PA 17063
Free Kasasa Cash Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

Arize Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.83%
650 Science Park Rd
State College, PA 16803
Essential Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

$100 - $4,999.99

Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
245 Front St
Northumberland, PA 17857
Free 50+ Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
245 Front St
Northumberland, PA 17857
Free Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
245 Front St
Northumberland, PA 17857
Free 50+ Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
1000 Fedex Dr
Moon Township, PA 15108 9373
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

CLEARVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8805 University Blvd
Moon Township, PA 15108 4212
Simple Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
1935 E 3rd St
Williamsport, PA 17701
Free Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No Minimum Balance Required

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
740 W Hamilton St
Allentown, PA 18101
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
740 W Hamilton St
Allentown, PA 18101
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

CLEARVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8805 University Blvd
Moon Township, PA 15108 4212
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1510 Dekalb Pike
Blue Bell, PA 19422
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
245 Front St
Northumberland, PA 17857
Free Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Discovery Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
2744 Century Blvd
Wyomissing, PA 19610
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

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%
221 S York Rd
Hatboro, PA 19040
Student Checking
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1700 Sullivan Trl
Easton, PA 18040
Student Checking
0.05%
$1
View
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking
0.75%
$5,000
View
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking
0.65%
$5,000
View
▼
Rate0.65%
Min Deposit$5,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking
0.65%
$1,000
View
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking
0.60%
$5,000
View
▼
Rate0.60%
Min Deposit$5,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking
0.60%
$1,000
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Premium Business Checking
0.55%
$5,000
View
▼
Rate0.55%
Min Deposit$5,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
2800 W Passyunk Ave
Philadelphia, PA 19145 5206
Business Checking
0.55%
$1,000
View
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 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
0.35%
$1,000
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 14, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
BUSINESS PREMIER CHECKING
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
BUSINESS PREMIER CHECKING
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
1108 Chestnut St
Philadelphia, PA 19107 4802
Commercial Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
BUSINESS PREMIER CHECKING
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
1108 Chestnut St
Philadelphia, PA 19107 4802
Commercial Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
3200 Chestnut St
Philadelphia, PA 19104 3395
BUSINESS PREMIER CHECKING
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2900 Comly Rd
Philadelphia, PA 19154
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
470 W Cheltenham Ave
Philadelphia, PA 19126
Premier Business Checking
0.03%
$100
View
▼
Rate0.03%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2900 Comly Rd
Philadelphia, PA 19154
Business Interest Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Methodology & Data Sources

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 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 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:
  • Sharon Bank
    1873 High Interest Checking — 2.25% APY
  • Ardent Federal Credit Union
    High-Yield Checking Account — 1.50% APY
  • Mid Penn Bank
    IOLTA Checking — 1.50% APY
  • Meridian Bank
    Performance Interest 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: March 20, 2026

Philadelphia, Pennsylvania Rates & Resources

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