Best Free Checking Accounts of April 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
BMO Smart Advantage Checking$25See Offer
Discover Bank: Online Checking Account$0See Offer
Axos Bank: Rewards Checking$50See Offer
Quontic: High Interest Checking$100See Offer
Consumers Credit Union: Free Rewards Checking$5See Offer
KeyBank: Key Smart Checking®$10See Offer
OnPath Federal Credit Union: High Yield Checking$25See Offer
Upgrade: Rewards Checking Plus$0See Offer
Fifth Third Momentum® Checking$0See 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.

Do free checking accounts give bonuses & pay interest?
Yes, some do! Here's a list of free checking accounts that either have a welcome bonus or offer interest.

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.

Axos Rewards Checking

Not only does the Axos Bank Rewards Checking Account have no fees, you can even earn Up to 3.30% interest. That's considered really high right now.

Axos doesn't have its own ATM network. But it gives unlimited rebates of domestic ATM fees, so you can use any machine you want.

What is APY
In simple terms, annual percentage yield (APY) is how much your money will grow in one year, with compounding interest. This assumes that you don't add or withdraw money. For example, if you deposit $1,000 into an account with 1% APY, you'll earn $10 by end of one year.

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 and up to $3M for Premier tier).

Bluevine offers an optional Premier tier which costs $95 (can be waived with $100k average daily balance and $5k debit card spend). This upgrade plan gives you an even higher 4.25% APY, reduced fees on most payment types, and priority customer support.

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™
  • Bank Independent: Basic Checking
  • Pentagon Federal Credit Union: Free Checking
  • Ameris Bank: Free Checking
  • Navigator Credit Union: Free Checking
  • Pen Air Credit Union: High-Yield Checking

    • Free Checking Account in Alaska

  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • Pentagon Federal Credit Union: Free Checking
  • KeyBank: Key Smart Checking® - $200 Bonus

    • Free Checking Account in Arizona

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Arizona Financial Credit Union: Checking Plus
  • America First Credit Union: Classic Checking
  • Pentagon Federal Credit Union: Free Checking
  • Parkway Bank: Free Kasasa Cash® Rewards Checking
  • Bank of Colorado: Growth Account
  • First Citizens Bank: Free Checking

    • Free Checking Account in Arkansas

  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • Arvest Bank: Free Blue™ Checking
  • Pentagon Federal Credit Union: Free Checking
  • Carter Credit Union: Free Checking

    • Free Checking Account in California

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • Cathay Bank: Basic Checking
  • Citizens Equity First Credit Union: CEFCU Checking
  • Valley Strong Credit Union: CentsAble Checking
  • Golden 1 Credit Union: Easy Checking
  • First Tech Rewards Checking
  • Pentagon Federal Credit Union: Free Checking
  • Patelco Credit Union: Free Checking
  • Star One Credit Union: Free Checking

    • Free Checking Account in Colorado

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Huntington: Asterisk-Free Checking
  • First National Bank of Omaha: Free Checking
  • Bellco Credit Union: Boost Checking
  • Credit Union of Colorado: Everyday Checking
  • First Tech Rewards Checking
  • Pentagon Federal Credit Union: Free Checking
  • Central Bank: Free Checking
  • Altra Federal Credit Union: Free Checking
  • Bank of Colorado: Growth Account

    • Free Checking Account in Connecticut

  • Charles Schwab Bank: Schwab Bank Investor Checking™
  • Union Savings Bank: Essential Checking
  • American Eagle Financial Credit Union: Everyday Checking
  • Pentagon Federal Credit Union: Free Checking
  • Newtown Savings Bank: Free Checking
  • PeoplesBank: Free Checking
  • Charter Oak Credit Union: GO Checking
  • Nutmeg State Financial Credit Union: Low Cost Checking
  • POLAM Checking
  • Dutch Point Credit Union: Seriously Simple Checking
  • KeyBank: Key Smart Checking® - $200 Bonus

    • Free Checking Account in Delaware

  • PNC Bank: Virtual Wallet Checking Pro
  • Pentagon Federal Credit Union: Free Checking
  • Sun East Federal Credit Union: Free Checking

    • Free Checking Account in Florida

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Achieva Checking
  • American Momentum Bank: Basic Checking
  • Pentagon Federal Credit Union: Free Checking
  • VyStar Credit Union: Free Checking
  • Lake Michigan Credit Union: Free Checking
  • Publix Employees Federal Credit Union: Free Checking
  • Space Coast Credit Union: Free Checking
  • Ameris Bank: Free Checking

    • Free Checking Account in Georgia

  • PNC Bank: Virtual Wallet Checking Pro
  • Robins Financial Credit Union: Classic Checking
  • First Tech Rewards Checking
  • Pentagon Federal Credit Union: Free Checking
  • VyStar Credit Union: Free Checking
  • Publix Employees Federal Credit Union: Free Checking
  • Ameris Bank: Free Checking
  • Atlanta Postal Credit Union: Kasasa Cash Back Checking
  • Center Parc Credit Union: Kasasa Cash Back Checking
  • iThink Financial: myWallet Free Checking
  • Fifth Third Momentum® Checking: $200 Bonus

    • Free Checking Account in Hawaii

  • Pentagon Federal Credit Union: Free Checking
  • First Foundation Bank: Personal Checking

    • Free Checking Account in Idaho

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • CapEd Credit Union: Cash Back Checking
  • America First Credit Union: Classic Checking
  • First Tech Rewards Checking
  • Spokane Teachers Credit Union: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • KeyBank: Key Smart Checking® - $200 Bonus

    • Free Checking Account in Illinois

  • BMO Smart Advantage Checking: $250 Cash 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
  • Cathay Bank: Basic Checking
  • Pentagon Federal Credit Union: Free Checking
  • Abbott Laboratories Employees Credit Union (ALEC): Free Checking
  • Central Bank: Free Checking

    • Free Checking Account in Indiana

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • CIBM Bank: Acceleration Checking
  • Advance Financial Federal Credit Union: Better Than Free Checking
  • Centra Credit Union: Cashback Checking
  • Pentagon Federal Credit Union: Free Checking
  • Indiana Members Credit Union: Free Checking
  • Allegius Credit Union: Free Kasasa Cash Back Checking
  • Elements Financial: Student Edge Checking

    • Free Checking Account in Iowa

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • Associated Bank: Access Checking®
  • First National Bank of Omaha: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • Arbor Bank: Free Checking

    • Free Checking Account in Kansas

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • First National Bank of Omaha: Free Checking
  • CommunityAmerica Credit Union: Cashback Free Checking
  • Truity Credit Union: Essential Checking
  • Arvest Bank: Free Blue™ Checking
  • Pentagon Federal Credit Union: Free Checking
  • Central Bank: Free Checking
  • Bank of Blue Valley: Free Checking
  • Communication Federal Credit Union: PayMe Checking

    • Free Checking Account in Kentucky

  • PNC Bank: Virtual Wallet Checking Pro
  • Huntington: Asterisk-Free Checking
  • Cinfed Credit Union: Basic Checking
  • Pentagon Federal Credit Union: Free Checking
  • Bank of the Bluegrass: Kasasa® Cash Back Free Rewards Checking
  • Fifth Third Momentum® Checking: $200 Bonus

    • Free Checking Account in Louisiana

  • Pentagon Federal Credit Union: Free Checking
  • Carter Credit Union: Free Checking

    • Free Checking Account in Maine

  • Pentagon Federal Credit Union: Free Checking
  • Bar Harbor Bank & Trust: Simple Checking
  • KeyBank: Key Smart Checking® - $200 Bonus

    • Free Checking Account in Maryland

  • PNC Bank: Virtual Wallet Checking Pro
  • Cathay Bank: Basic Checking
  • Forbright Bank: Bright Checking
  • Securityplus Federal Credit Union: Cash Back Checking
  • Northwest Federal Credit Union: Choice Checking
  • Pentagon Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • Sun East Federal Credit Union: Free Checking
  • Atlantic Union Bank: Free Checking
  • Dollar Bank: Free Checking
  • APG Federal Credit Union: High-Yield Checking

    • Free Checking Account in Massachusetts

  • PNC Bank: Virtual Wallet Checking Pro
  • Cathay Bank: Basic Checking
  • Fidelity Bank (MA): CareFree Checking
  • Cape Ann Savings Bank: Classic Checking
  • Pentagon Federal Credit Union: Free Checking
  • Cape Cod Five Cents Savings Bank: Free Checking
  • PeoplesBank: Free Checking
  • Coastal1 Credit Union: Free Checking
  • Trustco Bank: Free Checking
  • Abington Bank: Get Real Checking®
  • KeyBank: Key Smart Checking® - $200 Bonus

    • Free Checking Account in Michigan

  • PNC Bank: Virtual Wallet Checking Pro
  • Huntington: Asterisk-Free Checking
  • OUR Credit Union: Basic Checking
  • Pentagon Federal Credit Union: Free Checking
  • Lake Michigan Credit Union: Free Checking
  • CIBC Bank: iCan Checking
  • Preferred Free Checking
  • 4Front Credit Union: Straight4ward Rewards Checking
  • KeyBank: Key Smart Checking® - $200 Bonus
  • Fifth Third Momentum® Checking: $200 Bonus

    • Free Checking Account in Minnesota

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • Affinity Plus Credit Union: Better Than Free Checking
  • Wings Financial Credit Union: First Class Checking
  • Pentagon Federal Credit Union: Free Checking
  • Altra Federal Credit Union: Free Checking
  • Connexus Credit Union: Innovative Checking
  • Superior Choice Credit Union: Simple Checking

    • Free Checking Account in Mississippi

  • Pentagon Federal Credit Union: Free Checking
  • Navigator Credit Union: Free Checking

    • Free Checking Account in Missouri

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • CommunityAmerica Credit Union: Cashback Free Checking
  • Arvest Bank: Free Blue™ Checking
  • Pentagon Federal Credit Union: Free Checking
  • Central Bank: Free Checking
  • Bank of Blue Valley: Free Checking
  • CIBC Bank: iCan Checking

    • Free Checking Account in Montana

  • Pentagon Federal Credit Union: Free Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in Nebraska

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • First National Bank of Omaha: Free Checking
  • ACCESSBank: Basic Access
  • Pentagon Federal Credit Union: Free Checking
  • Arbor Bank: Free Checking
  • Union Bank & Trust: Simply Free Checking

    • Free Checking Account in Nevada

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • Cathay Bank: Basic Checking
  • America First Credit Union: Classic Checking
  • Pentagon Federal Credit Union: Free Checking

    • Free Checking Account in New Hampshire

  • Customers Bank: Interest Checking
  • Piscataqua Savings Bank: eAccess Checking
  • Pentagon Federal Credit Union: Free Checking
  • Bar Harbor Bank & Trust: Simple Checking

    • Free Checking Account in New Jersey

  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Cathay Bank: Basic Checking
  • 1st Colonial Community Bank: Colonial Personal Checking
  • Apple Bank: ExtraValue Checking
  • Pentagon Federal Credit Union: Free Checking
  • Police and Fire Federal Credit Union: Free Checking
  • Picatinny Federal Credit Union: Free Checking
  • Sun East Federal Credit Union: Free Checking
  • Trustco Bank: Free Checking
  • Christian Community Credit Union: Free Checking

    • Free Checking Account in New Mexico

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • PNC Bank: Virtual Wallet Checking Pro
  • America First Credit Union: Classic Checking
  • Pentagon Federal Credit Union: Free Checking
  • Sandia Area Federal Credit Union: Free Premier Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in New York

  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Cathay Bank: Basic Checking
  • Centra Credit Union: Cashback Checking
  • Carver Federal Savings Bank: Community Free Checking
  • Apple Bank: ExtraValue Checking
  • Pentagon Federal Credit Union: Free Checking
  • Trustco Bank: Free Checking
  • Christian Community Credit Union: Free Checking
  • Bethpage Federal Credit Union: Free Checking
  • Broadview Federal Credit Union: Free Checking

    • Free Checking Account in North Carolina

  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Centra Credit Union: Cashback Checking
  • Pentagon Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • Ameris Bank: Free Checking
  • Atlanta Postal Credit Union: Kasasa Cash Back Checking
  • Center Parc Credit Union: Kasasa Cash Back Checking
  • Fifth Third Momentum® Checking: $200 Bonus
  • First Citizens Bank: Free Checking

    • Free Checking Account in North Dakota

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • Pentagon Federal Credit Union: Free Checking

    • Free Checking Account in Ohio

  • PNC Bank: Virtual Wallet Checking Pro
  • Associated Bank: Access Checking®
  • Huntington: Asterisk-Free Checking
  • Pathways Financial Credit Union: Basic Checking
  • Cinfed Credit Union: Basic Checking
  • Pentagon Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • 717 Credit Union: Free Checking
  • Dollar Bank: Free Checking
  • Cincinnatus Savings and Loan: Simply Free Checking
  • KeyBank: Key Smart Checking® - $200 Bonus

    • Free Checking Account in Oklahoma

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • Truity Credit Union: Essential Checking
  • Arvest Bank: Free Blue™ Checking
  • Pentagon Federal Credit Union: Free Checking
  • Central Bank: Free Checking
  • Communication Federal Credit Union: PayMe Checking
  • Prosperity Bank: Simply Free Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in Oregon

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • Advantis Credit Union: Access Checking
  • First Tech Rewards Checking
  • Pentagon Federal Credit Union: Free Checking
  • KeyBank: Key Smart Checking® - $200 Bonus
  • First Citizens Bank: Free Checking

    • Free Checking Account in Pennsylvania

  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • Huntington: Asterisk-Free Checking
  • 1st Colonial Community Bank: Colonial Personal Checking
  • Citadel Credit Union: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • Police and Fire Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • Sun East Federal Credit Union: Free Checking
  • Pennsylvania State Employees Credit Union: Free Checking
  • Dollar Bank: Free Checking

    • Free Checking Account in Rhode Island

  • Pentagon Federal Credit Union: Free Checking
  • Coastal1 Credit Union: Free Checking

    • Free Checking Account in South Carolina

  • PNC Bank: Virtual Wallet Checking Pro
  • Pentagon Federal Credit Union: Free Checking
  • United Bank: Free Checking
  • Ameris Bank: Free Checking
  • Houston Federal Credit Union: Free Checking
  • Boeing Employees' Credit Union: Member Advantage Checking
  • First Citizens Bank: Free Checking

    • Free Checking Account in South Dakota

  • BMO Smart Advantage Checking: $250 Cash Bonus
  • Huntington: Asterisk-Free Checking
  • First National Bank of Omaha: Free Checking
  • Pentagon Federal Credit Union: Free Checking
  • Plains Commerce Bank: Free Checking

    • Free Checking Account in Tennessee

  • PNC Bank: Virtual Wallet Checking Pro
  • Orion Federal Credit Union: Checking 2.0
  • Pentagon Federal Credit Union: Free Checking
  • Altra Federal Credit Union: Free Checking
  • Old Hickory Credit Union: Free Kasasa Cash Back Checking
  • Fifth Third Momentum® Checking: $200 Bonus
  • First Citizens Bank: Free Checking

    • Free Checking Account in Texas

  • PNC Bank: Virtual Wallet Checking Pro
  • Customers Bank: Interest Checking
  • First National Bank of Omaha: Free Checking
  • Complex Community Federal Credit Union: Basic Checking
  • American Momentum Bank: Basic Checking
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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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