Best Free Checking Accounts of October 2024

By Anna G, personal finance expert at CreditDonkey
Editorial Note: This content is not provided by the companies mentioned. Opinions expressed here are author's alone, and have not been reviewed, approved or otherwise endorsed by the companies.
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Want to dodge hefty banking fees? Learn about the best free checking accounts in this detailed guide. No hidden charges or high balances needed.

What is the best bank for free checking?

Minimum Deposit to Open
Discover Bank: Online Checking Account$0See Offer
Quontic: High Interest Checking$100See Offer
Consumers Credit Union: Free Rewards Checking$5See Offer
KeyBank: Key Smart Checking®$10See Offer
Upgrade: Rewards Checking Plus$0See Offer
Fifth Third Momentum® Checking$0See Offer
BMO Smart Advantage Checking$25See Offer

Many people think that banking has to be expensive. But it does not have to be that way.

In fact, you can enjoy the conveniences of online, branch, or ATM banking without the pesky fees.

These great checking accounts prove you don't have to break the bank, to bank.

Tip: A checking account is a great way to teach kids about money management. Find out which accounts you can open for your child and how to choose a first checking account.

What are you most interested in?

Other New Checking Account Promotions You May Like

Discover® Cashback Checking

The Discover® Cashback Debit account is a great choice for free banking. There are no monthly fees, and you pay $0 for checks, stop payment orders, and insufficient funds.

Plus, you earn 1% cash back when you use your debit card (on up to $3,000 in purchases each month). That's potential for some pretty awesome earnings.

But remember, cash back is only for debit card purchases, not for ATM transactions, money orders, paying friends, or loan payments. See website for details.

You get free ATM withdrawals at over 60,000 locations, including ATMs in popular grocery stores, CVS, Walgreens, and Costco.

Customer Service
Discover® Bank offers 24/7 phone and email customer support from a U.S.-based team. Simply call 1(800) 347-7000 or send a message through the online Message Center.

Not sure about purely mobile banking? You may consider a national bank if you like doing banking in person.

Chase Total Checking®

Chase is one of the largest banks in the US. Even though it's so big, Chase has great customer service reviews, plus a highly-rated mobile app.

Chase Total Checking® isn't exactly free, but it's easy to waive the $12 monthly maintenance fee. All you need is at least $500 in direct deposits. If you can do that, then you don't need to worry about maintaining a minimum balance.

$12 or $0 with one of the following, each monthly statement period:
  • Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
  • OR a balance at the beginning of each day of $1,500 or more in this account,
  • OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.

Bank of America Advantage Plus Banking®

Bank of America also offers bonuses for new customers opening a checking account.

The mobile app is packed with features, like built-in budgeting tools and cash rewards program. You also get Erica, the virtual assistant, who can help you manage bills, track your FICO score, lock your debit card, and more.

The monthly fee is easily waived with just a $250 qualifying direct deposit per statement cycle.

Can't decide between Discover, Chase, and Bank of America? Take a look at how the 3 compare:

BMO Smart Advantage Checking

BMO is a reputable financial institution primarily. Their Smart Advantage Checking is another excellent option for free checking. It has no fees on most everyday banking transactions, which spell good news for the budget-conscious.

Although they charge overdraft fees, note that they are waived if the overdraft was due to an ATM withdrawal or a one-time debit transaction.

Bluevine Business Checking

Bluevine is a great choice for small business owners and freelancers. Not only does it have no monthly fee, you have the potential to earn a high APY.

Even though Bluevine is an online-only bank, it has a lot of the same features as traditional banks. So it's a good fit for a lot of types of businesses.

You get free cash withdrawals from over 37,000 MoneyPass ATMs. And if you need to deposit cash, you can do so at 90,000+ Green Dot locations and 1,500+ Allpoint+ ATMs (with a small fee). It even gives you 2 free checkbooks. You can also issue up to 4 additional debit cards for your team members.

You can create up to 5 sub-accounts for free. They get their own account numbers. And they can earn interest too (up to $250k in combined balance across all the accounts for Standard tier, up to $250k for Plus tier, and up to $3M for Premier tier).

Bluevine offers optional Plus and Premier tiers. These upgrade plans offer up to 4.25% APY and reduced fees compared to Bluevine Standard on most payment types.

Other Checking Accounts Offers

If none of the above seem like the right fit for you, here are some other checking account offers.

Is free checking really free?

Not all "free" checking accounts are equal. Some accounts may have requirements you have to meet.

Make sure there are no strings attached to your free checking account by asking the following questions:

  • Does the account have a monthly maintenance fee?
  • Is there a monthly minimum balance requirement?
  • Am I required to have direct deposit?
  • What types of other fees are associated with the account?
  • What services are not included with free checking? (e.g., wire transfers)

A truly free checking account should mean zero monthly maintenance fees and no minimum balance requirements.

Ask for a copy of the bank's fee schedule before you commit. It'll help you avoid any unnecessary charges associated with your checking account.

How to Avoid Overdraft Fees

Overdrafts is one of the biggest banking problems for Americans. In just one year, 54% of Americans overdrafted 2-5 times.[1] With overdraft fees averaging $35 each, it can add up fast.

So how can you avoid these stressful fees? Luckily, banks usually have some overdraft programs to help.

  • Sign up for text alerts. You can get an alert when your account balance is low. This way, you can add more money before an overdraft happens.

  • Opt out of overdraft coverage. If you don't sign up for overdraft coverage, your bank will auto-decline transactions if you don't have enough money. This could be embarrassing at the cash register, but hey, at least you avoid the fee.

    When a bank says there's no overdraft fee, what it means is that they will just decline transactions when you don't have enough funds. It doesn't mean that you can overdraw and have a negative balance.

  • Grace period to add funds. Some banks give you a chance to avoid the fee if you deposit or transfer money to cover the overdraft by a deadline. This is not a bad option if you realize you've overdrawn your account and can act quickly.

    For example, Chase gives you until end of the business day to add funds. Capital One gives you 1 day to add funds.

  • Overdraft transfer protection. This is when you link a savings account with your checking account. When you overdraw, money can automatically be transferred from your savings to cover the amount.

    But be aware - some banks charge you for the transfer. Some banks will make the transfer for free (like Chase). And note that usual 6/mo transaction limits still apply for savings accounts.

  • Overdraft line of credit. This option isn't available for all banks. But some will let you take out a line of credit to cover overdrafts. You pay it back with interest.

Can you have $0 in your checking account?
It's okay if your checking account balance falls to $0. However, if it goes below $0, you could incur overdraft fees. And be careful that some checking accounts charge a monthly fee unless you maintain a certain balance.

If you have a free checking account with no minimums, you could have $0 balance. But if you leave your account empty and never use it, the bank may automatically close your account.

Hidden Fees to Watch Out For

Even if your account has no service fee, here are common hidden fees you may encounter.

  • Overdraft fee: This is when you don't have enough money to cover a purchase, but your bank covers it. The average bank charges $30-$35 each overdraft. And you can be charged multiple times in a single day.

  • Non sufficient funds: This is triggered when your bank rejects a payment because your account doesn't have enough money. Even if you have overdraft protection, you can still be charged this fee if you bounce a check. This is also called a returned item fee.

  • Out of network ATM withdrawals: Most banks have their own ATM network. If you're in a pinch and need to use a random ATM, you'll be charged a fee - usually around $2.50 - $3.50. Some banks will reimburse out-of-network ATM fees.

  • Paper checks: Still need to write checks? Some banks charge you for each set of checks. If you write checks often, look for an account with free checks.

  • Inactivity fee: Some banks charge an inactivity fee if you don't have any banking activities. It can be as much as $5 - $20 per month. You can avoid this fee by simply making any deposit or withdrawal, or using the debit card just once.

  • Paper statement: As more banks are going green, they may charge a fee for printing and mailing statements to you. To avoid this, simply opt-out and sign up for electronic statements only.

  • Wire transfers: Wire transfers are usually used to transfer money internationally or for a big purchase (like a house down payment). They usually cost $25 - $50 each. Some banks may offer free domestic wire transfers.

What Experts Say

As part of our series on saving and banking, CreditDonkey assembled a panel of industry experts to answer readers' most pressing questions.

Here's what they said:

Where can I find free checking accounts?

Your best bet for a free checking account is an online bank. These institutions don't have the overhead costs of traditional brick-and-mortar banks. Oftentimes, they'll pass those savings on to you through no-fee accounts.

Local credit unions and community banks may also offer free checking accounts. But some may have a minimum balance requirement in order to waive the monthly service fee.

If you can easily meet the requirements, then don't overlook those either if they offer the convenience and features you need.

What are minimum deposit and balance requirements?
The minimum deposit is how much money you need to open a checking account (usually $0-$100). The minimum balance is how much you need to maintain in your account, to avoid a monthly fee. True free checking accounts don't have a minimum balance requirement.

What is the easiest checking account to open?

If you've had some past banking mistakes, it can be hard to open a traditional checking account.

Most banks will do a soft credit check and run your banking history through the ChexSystem. They can deny you if you've had too many overdrafts or a bad credit score.

But not all hope is lost. Second-chance banking offers you an opportunity to get back into the game, so you can rebuild your banking history.

What to look for in a free checking account

Which bank does not charge a monthly fee for checking accounts?
Here are some of the best banks with free checking:

When looking for a free checking account, you'll have plenty of options. Here are some things to consider as you review your choices:

  • Monthly fee / balance requirements
    If you don't want any restrictions, then look for a bank with no maintenance fees. Most of the banks on our list have no monthly service fee. There are a couple of banks that have a fee, but it's incredibly easy to waive.

    How much should you have in your checking account?
    You should keep at least 1 month worth of expenses in your checking account. It's smart to add a 30% buffer. This will give you enough to cover everyday living costs plus any unforeseen expenses.

    The most you should have is 2 months' worth of expenses. Any money above that will be better off in a high yield savings account or investment account.

  • Other banking fees
    Does the bank charge for things like overdrafts, insufficient funds, checks, wire transfers? Make sure the bank is transparent about their other fees.

  • Access
    Do you want the option of banking in-person, or are you okay with completely online banking? Also make sure the bank has convenient ATMs near where you live and work.

  • Website & Mobile App
    Whether on your computer or mobile device, you want to be able to handle your finances from anywhere. Choose a bank with a user-friendly website, mobile app, and features like online bill pay and mobile check deposits.

  • Security
    Your bank should be FDIC insured. This means that if the bank defaults, the government will pay you back everything you had in the account (up to $250,000).

What you need to open a checking account

To open a checking account, you will need:

  • Government issued ID, like a driver's license
  • Social Security Number
  • Proof of address (lease or utility bill)
  • Contact information (name, home address, email address, phone number)
  • Date of birth
  • Money for the opening deposit (if required)

You can open a checking account either online or in-person at a branch. To open an account by yourself, you need to be at least 18.

Most financial institutions will run a soft credit check on you to see your past banking history and then approve or deny you for the account.

Can I open a checking account with no money?
Several checking accounts will allow you to open an account without an initial deposit. These include:

Checking Accounts with Free ATM Transactions

Here are some of the best banks to avoid ATM fees.

  • Axos Reward Checking - unlimited domestic ATM fee reimbursements

  • Charles Schwab Investor Checking - also reimburses international ATM fees

  • Alliant Credit Union - reimburses up to $20 of ATM fees per month[2]

  • Ally Interest Checking - reimburses up to $10 of ATM fees per month[3]

Some banks, like Capital One, Ally, and Citibank, offer free account access using the Allpoint ATM network. That means customers won't pay fees for transactions at more than 55,000 domestic ATMs. They may, however, be charged fees for out-of-network ATM withdrawals.

Bottom Line

With the rise of online banks, free checking accounts are becoming more popular. Compare accounts-and banks-to find the best fit for your financial needs. Some banks offer additional perks or bonuses.

And remember, "free" checking isn't always free. Do some research or speak to a bank representative to see if your fee-free checking comes with requirements like minimum account balances or direct deposits.

Best Free Checking Accounts by State

Free Checking Account in Alabama

  • PNC Bank: Virtual Wallet Checking Pro
  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • ASE Checking
  • PenAir Credit Union: High-Yield Checking
  • All In Credit Union: Members Choice Plus Checking
  • Ameris Bank: Free Checking
  • Navigator Credit Union: Free Checking
  • Keesler Federal Credit Union: Free4all Checking
  • Bank Independent: Basic Checking
  • Century Convenient Checking
  • West Alabama Bank: Spirit Checking

    • Free Checking Account in Alaska

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • Alaska Air Group Credit Union: Personal Checking
  • Credit Union 1 (AK): Free Checking
  • Global Credit Union: Core Checking

    • Free Checking Account in Arizona

  • PNC Bank: Virtual Wallet Checking Pro
  • Alerus Checking
  • Bell Bank: America's Best Checking
  • Bank of Colorado: Growth Account
  • First Fidelity Bank: Freestyle Checking
  • First National Bank Texas: Service 1 Account
  • Firefighters First Credit Union: Ready Checking
  • Hughes Federal Credit Union: Personal Checking
  • CrossFirst Bank: Personal Banking Account
  • Desert Financial Credit Union: Free Checking
  • Parkway Bank: Free Kasasa Cash® Rewards Checking

    • Free Checking Account in Arkansas

  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • First National Bank Texas: Service 1 Account
  • INTRUST Bank: Safeguard Spending®
  • Arkansas Federal Credit Union: Everyday Checking
  • Arvest Bank: Free Blue™ Checking
  • Carter Credit Union: Free Checking
  • Simmons Bank: Coin Checking
  • Dillard's Federal Credit Union: DFCU Checking
  • Equity Bank: Simply Free Checking

    • Free Checking Account in California

  • PNC Bank: Virtual Wallet Checking Pro
  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • Travis Credit Union: Access Checking
  • Hingham Institution for Savings: Simple Checking
  • CIBC Bank: iCan Checking
  • POLAM Checking
  • 1st United Credit Union: Rewards Checking
  • Firefighters First Credit Union: Ready Checking
  • First Foundation Bank: Personal Checking
  • Golden 1 Credit Union: Free Checking
  • SchoolsFirst Federal Credit Union: Free Checking

    • Free Checking Account in Colorado

  • KeyBank: Key Smart Checking® - $300 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Huntington: Asterisk-Free Checking
  • First National Bank of Omaha: Free Checking
  • Fitzsimons Credit Union: Kasasa Cash Back Checking
  • Bank of Colorado: Growth Account
  • First Fidelity Bank: Freestyle Checking
  • POLAM Checking
  • Meridian Trust Federal Credit Union: MaxRewards Free Checking
  • CrossFirst Bank: Personal Banking Account
  • Independent Financial: Personal Checking

    • Free Checking Account in Connecticut

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • Charter Oak Credit Union: GO Checking
  • Hometown Bank: Get More Checking®
  • POLAM Checking
  • Dutch Point Credit Union: Seriously Simple Checking
  • Liberty Bank: Quarter Back Checking
  • Nutmeg State Financial Credit Union: More-Than-Free Checking
  • USALLIANCE Financial: MyLife Checking
  • Webster Bank: Simple Checking
  • PeoplesBank: Free Checking

    • Free Checking Account in Delaware

  • PNC Bank: Virtual Wallet Checking Pro
  • Dover Federal Credit Union: Advantage Checking
  • Del-One Federal Credit Union: Rewards Checking
  • Community Bank Delaware: Mariner Checking
  • Sun East Federal Credit Union: Free Checking
  • First Citizens Community Bank: Free Checking
  • Shore United Bank: Simply Checking
  • Fulton Bank: Simply Checking

    • Free Checking Account in Florida

  • Fifth Third Momentum® Checking: $400 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Florida Credit Union: Personal Checking Account - $300 Bonus
  • Achieva Checking
  • CIBC Bank: iCan Checking
  • Wings Credit Union: High-Yield Checking
  • PenAir Credit Union: High-Yield Checking
  • IncredibleBank Checking Xcel
  • Cogent Bank: Personal Free Checking
  • First Commerce Credit Union: Power Checking

    • Free Checking Account in Georgia

  • Fifth Third Momentum® Checking: $400 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Bank of Dudley: Advantage Checking
  • Associated Credit Union: Simple Checking
  • Center Parc Credit Union: Kasasa Cash Checking
  • Atlanta Postal Credit Union: Kasasa Cash Checking
  • Wings Credit Union: High-Yield Checking
  • Marshland Credit Union: Seaside Personal Checking
  • First Commerce Credit Union: Power Checking
  • Robins Financial Credit Union: My$ta$h Account
  • iThink Financial: myWallet Free Checking

    • Free Checking Account in Hawaii

  • American Savings Bank: Kalo Essentials Checking
  • Pearl Checking
  • First Foundation Bank: Personal Checking
  • Pentagon Federal Credit Union: Free Checking
  • HomeStreet Bank: Free Checking
  • HawaiiUSA Federal Credit Union: eLife Checking
  • Wailuku Federal Credit Union: Checking Account
  • Hawaii Community Federal Credit Union: Check Advantage
  • Hawaiian Financial Federal Credit Union: Value Checking

    • Free Checking Account in Idaho

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Connections Credit Union: Kasasa Cash Back Checking
  • Bank of Commerce: New Generation Checking
  • Horizon Credit Union: Replenish Checking
  • First Tech Rewards Checking
  • Spokane Teachers Credit Union: Free Checking
  • Global Credit Union: Core Checking
  • America First Credit Union: Classic Checking
  • Idaho Central Credit Union: Central Checking
  • CapEd Credit Union: Cash Back Checking
  • BMO Smart Advantage Checking: Earn up to $350

    • Free Checking Account in Illinois

  • Fifth Third Momentum® Checking: $400 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • First National Bank of Omaha: Free Checking
  • CIBM Bank: Acceleration Checking
  • First Robinson Savings Bank: Kasasa Cash Back Checking
  • Flanagan State Bank: Kasasa Cash Back
  • CIBC Bank: iCan Checking
  • Itasca Checking

    • Free Checking Account in Indiana

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Fifth Third Momentum® Checking: $400 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • First Financial Bank: Simple Checking
  • CIBM Bank: Acceleration Checking
  • Allegius Credit Union: Free Kasasa Cash Back Checking
  • First Robinson Savings Bank: Kasasa Cash Back Checking
  • Members Source Credit Union: Personal Checking
  • Indiana Members Credit Union: Free Checking

    • Free Checking Account in Iowa

  • Associated Bank: Access Checking®
  • First National Bank of Omaha: Free Checking
  • Veridian Credit Union: Premium Plus Checking
  • Arbor Bank: Free Checking
  • Community Bank and Trust: Free Checking
  • Bank Iowa: FreeBird Personal Checking
  • Two Rivers Bank & Trust: Free Checking
  • BTC Bank: Compass Interest Checking
  • DuTrac Community Credit Union: EcoPlus Checking
  • First Federal Credit Union: Charity Checking
  • BMO Smart Advantage Checking: Earn up to $350

    • Free Checking Account in Kansas

  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • First National Bank of Omaha: Free Checking
  • Emprise Bank: High Interest Checking
  • INTRUST Bank: Safeguard Spending®
  • Communication Federal Credit Union: Performance Checking
  • CrossFirst Bank: Personal Banking Account
  • CommunityAmerica Credit Union: Free Checking
  • Bank of Blue Valley: Free Checking
  • Central Bank: Free Checking
  • Truity Credit Union: Essential Checking

    • Free Checking Account in Kentucky

  • Fifth Third Momentum® Checking: $400 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Huntington: Asterisk-Free Checking
  • First Financial Bank: Simple Checking
  • Cinfed Credit Union: Kasasa Cash Back Checking
  • Bank of the Bluegrass: Kasasa® Cash Back Free Rewards Checking
  • Delta Community Credit Union: Free Checking
  • Abound Credit Union: Free Checking
  • WesBanco: Duty First Checking
  • General Electric Credit Union: Simply Free Checking

    • Free Checking Account in Louisiana

  • Neighbors Federal Credit Union: Free Cash Back Checking
  • Keesler Federal Credit Union: Free4all Checking
  • Carter Credit Union: Free Checking
  • Fifth District Savings Bank: Easy Interest Checking
  • Synergy Bank: Carefree Checking
  • Home Federal Bank: Cash Back Checking

    • Free Checking Account in Maine

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Bar Harbor Bank & Trust: Simple Checking
  • Northeast Bank: Propel Rewards Checking
  • Kennebec Federal Savings: Premier Checking
  • Community Credit Union: LeCheque Checking
  • NBT Bank: Classic Checking
  • Maine Family Federal Credit Union: Checking Account
  • Eastmill Federal Credit Union: Checking Account

    • Free Checking Account in Maryland

  • PNC Bank: Virtual Wallet Checking Pro
  • APG Federal Credit Union: High-Yield Checking
  • Primis Premium Checking
  • Educational Systems Federal Credit Union: Premium Checking
  • Har-co Credit Union: Personal Checking
  • Sun East Federal Credit Union: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • Tower Federal Credit Union: Free Checking
  • Dollar Bank: Free Checking
  • United Bank: Free Checking
  • Atlantic Union Bank: Free Checking

    • Free Checking Account in Massachusetts

  • KeyBank: Key Smart Checking® - $300 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • AllCom Checking
  • Hingham Institution for Savings: Simple Checking
  • Hometown Bank: Get More Checking®
  • HarborOne Bank: FreePlus Checking
  • Easthampton Savings Bank: Get Real Checking
  • Abington Bank: Get Real Checking®
  • IC Federal Credit Union: Rewards Checking
  • Liberty Bank: Quarter Back Checking
  • Leader Checking

    • Free Checking Account in Michigan

  • KeyBank: Key Smart Checking® - $300 Bonus
  • Fifth Third Momentum® Checking: $400 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Huntington: Asterisk-Free Checking
  • Consumers Credit Union (Michigan): Simple Checking
  • CIBC Bank: iCan Checking
  • Genius High-Yield Checking
  • Wings Credit Union: High-Yield Checking
  • IncredibleBank Checking Xcel
  • Michigan School and Government Credit Union: Regular Checking
  • Preferred Free Checking

    • Free Checking Account in Minnesota

  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • Alerus Checking
  • Bell Bank: America's Best Checking
  • Citizens Alliance Bank: Simple Consumer Checking
  • Falcon National Bank: Kasasa Cash Back Checking
  • Superior Choice Credit Union: Simple Checking
  • Wings Credit Union: High-Yield Checking
  • Connexus Credit Union: Innovative Checking
  • Veridian Credit Union: Premium Plus Checking

    • Free Checking Account in Mississippi

  • All In Credit Union: Members Choice Plus Checking
  • Navigator Credit Union: Free Checking
  • Keesler Federal Credit Union: Free4all Checking
  • Century Convenient Checking

    • Free Checking Account in Missouri

  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • First State Bank & Trust: Advantage Checking
  • CIBC Bank: iCan Checking
  • Gateway Metro Federal Credit Union: Rewards 365 Checking
  • Legacy Reward
  • CrossFirst Bank: Personal Banking Account
  • CommunityAmerica Credit Union: Free Checking
  • Bank of Blue Valley: Free Checking
  • Hawthorn Bank: Free Checking
  • Central Bank: Free Checking

    • Free Checking Account in Montana

  • Citizens Alliance Bank: Simple Consumer Checking
  • Bank of Commerce: New Generation Checking
  • Horizon Credit Union: Replenish Checking
  • First Federal Bank & Trust: Steamboat Consumer Basic Checking
  • Glacier Bank: Totally Free Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in Nebraska

  • First National Bank of Omaha: Free Checking
  • ACCESSBank: Basic Access
  • Veridian Credit Union: Premium Plus Checking
  • Meridian Trust Federal Credit Union: MaxRewards Free Checking
  • Arbor Bank: Free Checking
  • Lincoln Federal Savings Bank: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • Firstier Bank: E-Checking
  • Banner Capital Bank: Checking with Interest
  • Union Bank & Trust: Simply Free Platinum Checking
  • Metro Credit Union (NE): Simply Checking

    • Free Checking Account in Nevada

  • Clark County Credit Union: Essential Checking
  • Cathay Bank: Basic Checking
  • Sierra Pacific Federal Credit Union: Better Checking
  • America First Credit Union: Classic Checking
  • BMO Smart Advantage Checking: Earn up to $350

    • Free Checking Account in New Hampshire

  • Customers Bank: Interest Checking
  • Bar Harbor Bank & Trust: Simple Checking
  • HarborOne Bank: FreePlus Checking
  • Brotherhood Credit Union: Basic Checking
  • NBT Bank: Classic Checking
  • Franklin Savings Bank: Easy Checking
  • Piscataqua Savings Bank: eAccess Checking

    • Free Checking Account in New Jersey

  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Blue Foundry Bank: Personal Checking Account - $300 Bonus
  • Apple Bank: Simple Checking
  • Kearny Bank: High-Yield Checking
  • Christian Community Credit Union: Harvest High-Yield Checking
  • USALLIANCE Financial: MyLife Checking
  • New Millennium Bank: Neighborhood Free Checking
  • Picatinny Federal Credit Union: Free Checking
  • Trustco Bank: Free Checking
  • Financial Resources Credit Union: Free Checking

    • Free Checking Account in New Mexico

  • PNC Bank: Virtual Wallet Checking Pro
  • First National Bank Texas: Service 1 Account
  • CrossFirst Bank: Personal Banking Account
  • Sandia Area Federal Credit Union: Free Premier Checking
  • America First Credit Union: Classic Checking
  • BMO Smart Advantage Checking: Earn up to $350
  • First Citizens Bank: Free Checking

    • Free Checking Account in New York

  • KeyBank: Key Smart Checking® - $300 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Apple Bank: Simple Checking
  • Kearny Bank: High-Yield Checking
  • Adirondack Bank: Hometown Checking
  • Christian Community Credit Union: Harvest High-Yield Checking
  • Palisades Federal Credit Union: Rewards Checking
  • Broadview Federal Credit Union: Rewards Checking
  • Five Star Bank: Progress Checking
  • Pittsford Federal Credit Union: Personal Checking Account

    • Free Checking Account in North Carolina

  • Fifth Third Momentum® Checking: $400 Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • HomeTrust Bank: Simple Checking
  • Center Parc Credit Union: Kasasa Cash Checking
  • Atlanta Postal Credit Union: Kasasa Cash Checking
  • Coastal Credit Union: Go Green Checking
  • Ameris Bank: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • Centra Credit Union: Cashback Checking

    • Free Checking Account in North Dakota

  • Alerus Checking
  • Bell Bank: America's Best Checking
  • First Community Credit Union (ND): Kasasa Cash Back
  • Dakota Plains Credit Union: Kasasa Cash Back
  • Great River Federal Credit Union: Free Checking
  • BMO Smart Advantage Checking: Earn up to $350

    • Free Checking Account in Ohio

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    • References

    1. ^ Pew Center on the States, Overdraft America: Confusion and
      Concerns about Bank Practices      , Retrieved 10/21/2023
    2. ^ Alliant. Does Alliant rebate fees if I use an out-of-network ATM?, Retrieved 10/21/2023
    3. ^ Ally. ATMs & withdrawals FAQs: What are your ATM fees?, Retrieved 10/21/2023

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    Bank of America
    Member FDIC

    Bank of America Advantage Banking - $300 Bonus Offer

    Learn More
    Expires 1/31/2025
    • The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
    • The offer is for new checking customers only.
    • Offer expires 01/31/2025.
    • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
    • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
    • Additional terms and conditions apply. See offer page for more details.
    • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
    • Bank of America, N.A. Member FDIC.

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