Fierce (Web and App)

Fierce is the highest APY account with zero fees, that I've found.  Experience the power of Fierce’s high yield checking account with a free debit card. Get cash, make purchases, and enjoy Apple Pay convenience, all with FDIC-insured funds. It’s your ultimate companion for financial freedom. Right now, you can get a 4.25% APY checking account with debit card (for comparison, the average checking account offers just 0.07% APY).