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The Best Online Checking Accounts in November 2019 ...

Choosing an account with that low 0.01% APY will earn you $1 at the end of a year. On the other hand, opening a high-yield checking account at a 2.00% APY, for example, will earn just over $200 in a year. Your best bet is to open an online checking account, as those tend to have the highest rates.