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The High-Interest Checking account from Bank5 Connect was named the best checking account by GOBankingRates.

A checking account isn't just a checking account anymore – it can do so much more. Aside from paying your bills and funding everyday expenses, a good checking account can help you save money and reach your financial goals.

Banks are going above and beyond basic free checking in 2015 by providing customers added value such as free money management software, bill pay and rewards programs. Customers can also find attractive fee structures, with many checking accounts offering no fees of any kind, including overdraft or out-of-network ATM fees. In fact, the Consumer Protection Financial Bureau estimates that the average customer who incurs overdraft fees could save over $200 a year by simply switching to a checking account with no overdraft or non-sufficient funds fees, or by opting out of overdraft protection. Therefore, a new checking account could be your key to saving more money in 2015.

Consumers can also enjoy the return of the interest-bearing checking account in 2015. Interest rates have been at historical lows in recent years, which all but wiped out APY offerings on checking accounts, but rates are on the rise. According to a GOBankingRates analysis of checking account rates from thousands of banks and credit unions throughout the U.S., the average checking account earned 0.17 percent APY last year. But in 2015, you can do much better.

As part of its weekly “Best of Banks 2015" series, GOBankingRates looked at the best checking accounts for 2015 and ranked the 10 very best, based off criteria checking customers care about most: APY, minimum deposit, monthly maintenance fee, non-sufficient funds (NSF) fee and the minimum balance required to avoid a fee. We also included information about additional services, free perks and attractive offerings that help solidify these banks' top rankings.

Banks have really stepped up their game and are after your business in 2015 – and they have the products to prove it. Here are the results of the survey.

10 Best Checking Accounts of 2015

1. Bank5 Connect. The High-Interest Checking account offers 0.76 percent APY and no monthly fees. Plus, the minimum deposit to open is just $10. The account reimburses up to $15 of out-of-network ATM fees per monthly billing cycle, and NSF fees run $15 as well. Customers also have the option to enroll in Bank5’s UChoose debit rewards program, which allows them to earn points that can be redeemed for thousands of online items.

2. FNBO Direct. This checking account offers no monthly services fees, 0.65 percent APY, a minimum deposit of only $1 and no balance requirements. The account’s NSF fee is $33 per transaction, but additional free services make this account a standout: free debit card fraud monitoring, free incoming wires and stop payments and free Popmoney person-to-person payments.

3. Bank of Internet USA. The Rewards Checking account from Bank of Internet USA starts at 0.47 percent APY, but customers can earn more (up to 1.25 percent) by meeting certain conditions such as using the account’s Rewards Checking Visa debit card at least 10 times a month. The minimum opening deposit is $100, though consumers have access to several other attractive features, including cash-back purchase rewards, unlimited ATM fee reimbursements and free FinanceWorks money management software, which is powered by Quicken.

4. Capital One 360. The checking account from Capital One 360 offers tiered interest rates starting at 0.20 percent APY and ranging upward to 0.80 percent APY for balances above $100, 000. The account offers no minimum opening deposit, no monthly service fee and no minimum balance requirement, but our favorite feature was the overdraft fee structure; instead of getting hit with a $30-plus charge every time you overdraw, Capital One only charges interest on that money, which equates to pennies instead of dollars.

5. iGObanking.com. The iGOchecking account from iGObanking.com offers no monthly fees, no minimum balance, $1 opening deposit, 0.25 percent APY and many more beneficial services, such as tools that allow customers to import bills right into their accounts and then pay them online. The NSF fee is a standard $30, but ATM withdrawals are free at Allpoint ATM locations.