Best for Checking and Savings Combo: SoFiWhy Money chose it: SoFi Checking and Savings is a unique combination account that can earn up to 4.00% APY. This is not a standalone checking account, but it could be a good option for couples who want to combine every aspect of their finances.SoFi is an online-only bank that stands out for its combined checking and savings account. It has the potential to earn a high APY but might not be the best option if you already have a savings account.SoFi Checking and Savings keeps two separate balances in one account. Your checking balance can earn up to 1.20% APY and your savings balance can earn up to 4.00% APY. To earn the highest possible APY, you’ll have to set up direct deposit. SoFi can expedite deposits up to two days before the usual date, so this