SoFi Money earn 2.25% APY and $0 fees

Although not the highest return for a checking account, the perks are pretty nice.
$0 fee on any atm (reimbursed)
$0 overdraft
$0 foreign transaction
$0 monthly fee and annual fee (no minimum balance or debit transaction or direct deposit required)
FDIC insured
The SoFi Money Annual Percentage Yield as of 2/12/2019 is 2.25% APY (2.23% interest rate). Interest rates are variable subject to change at our discretion, at any time. No minimum balance required.
2SoFi doesn’t charge any ATM fees and will reimburse ATM fees charged by other institutions when a SoFi Money® Visa® Debit Card is used at any ATM displaying the Visa®, Plus®, or NYCE® logo. Please note, though SoFi doesn’t charge foreign transaction fees, there is a foreign exchange fee of 1% charged by Visa that is not waived. SoFi reserves the right to limit or revoke ATM reimbursements at any time without notice.
3The average national checking account interest rate is calculated as of 4/30/2018 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Data used to calculate the national rate is gathered by RateWatch. Interest checking account rates are based on the $2,500 product tier. Account types and maturities published in these tables are those most commonly offered by the banks and branches for which we have data – no fewer than 45,000 locations and as many as 81,000 locations reported. The deposit rates of credit unions are not included in the calculation. Visit FDIC site for details.
4The cash balance in SoFi Money Accounts is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. FDIC Insurance is not provided until the funds arrive at partner bank. There are currently six banks available to accept these deposits, making customers eligible for up to $1,500,000 of FDIC insurance (six banks, $250,000 per bank). If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits in SoFi Money or at Program Banks are not covered by SIPC.
The SoFi Money Visa® debit card is issued by Wilmington Savings Fund Society. Visa is a registered trademark of Visa International Service Association and is used pursuant to a license from Visa U.S.A. Inc.
Neither SoFi nor its affiliates is a bank.
SoFi Money® is offered through SoFi Securities LLC, member FINRA/SIPC.
https://www.sofi.com/money/