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Explore the Checking Account Standards Scorecard
FinHealth Standards

Explore the Checking Account Standards Scorecard

This interactive table provides a clear, side-by-side view of how different types of checking accounts measure up to the FinHealth Standards for Spending Management Products. Use it to quickly see how well key features and policies are being met across the marketplace. This tool is designed to give you a snapshot — a starting point for understanding where progress is being made and where opportunities remain to better serve account holders.

A broad view of checking accounts across a mix of providers, representing the full sample in our assessment.
Checking accounts from the largest financial institutions in the U.S., based on the total number of consumer accounts with deposits under $250,000.
Five additional banks with substantial retail reach, outside the largest group.
Checking accounts from the largest credit unions by membership
Checking accounts from the largest digital-only financial institutions, based on the total number of consumer accounts.
Account Features
Standard % Met - All Accounts
Balance Forecasting
20% (4/20)
Budget Tool (meets full standard)
0% (0/20)
Money Labeling
10% (2/20)
Recurring Expenses Identification
45% (9/20)
Spending Controls (Limits/Alerts)
85% (17/20)
Account Policies
Standard % Met - All Accounts
Monthly Fee Waivers (non-min balance)
90% (18/20)
Funds Availability – Full Same-Day
10% (2/20)
Onboarding & Access
Standard % Met - All Accounts
Alternative IDs / ITIN accepted
30% (6/20)
Phone Services (essential tasks free)
85% (17/20)
Product Comparisons (side-by-side)
70% (14/20)
Spanish Language – Full (site, T&C, statements, helpline)
5% (1/20)
Trusted Contacts (designation enabled)
20% (4/20)

All Accounts (n=20); Large Bank Accounts (n=5); Mid-Sized Bank Accounts (n=5); Credit Union Accounts (n=5); Digital-Only Providers (n=5)

See the Full Picture and Drive Industry Progress

The insights here connect directly to our full FinHealth Standards Report, which offers a deeper look at how these standards can help financial service providers better support consumers’ financial health.

By exploring the report, you’ll gain a comprehensive view of where the industry stands today — and the strategies needed to deliver stronger, more inclusive checking account offerings. Together, we can raise the bar, closing gaps and creating products that truly work for every customer.

Read the Full Report