None
Promotions
Fees
ATM access
Account |
Top Feature |
ATM access |
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NBKC Everything Account |
Checking, savings in one |
37,000+ |
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SEE DETAILS |
Varo Money Banking Account |
Excellent banking app |
55,000+ |
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|
SEE DETAILS |
SoFi Banking Account |
Loan interest discounts |
55,000+ |
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|
SEE DETAILS |
Chime Money |
Early direct deposit |
60,000+ |
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SEE DETAILS |
Discover Cashback Debit |
Zelle money transfer |
60,000+ |
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|
SEE DETAILS |
Capital One 360 Checking Account |
Overdraft options |
70,000+ |
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|
SEE DETAILS |
NBKC Everything Account
Varo Money Banking Account
Minimum opening deposit:
- Up to $12/month in reimbursed ATM fees
- 0.15% APY on all balances
- No fees
Minimum opening deposit:
- Dual account for checking and savings
- Up to 3.00% APY for eligible accounts
- Cash back on in-app purchases
Minimum opening deposit:
- 0.25% APY on checking
- $50 in free overdraft protection
- Member discounts on other products
Minimum opening deposit:
- Up to 2 days early direct deposit
- $20–$200 free overdraft protection
- Access to Credit Builder credit card
Minimum opening deposit:
- 1% cash back on debit card purchases
- No extraneous fees
- Transfer money to anyone with Zelle
Minimum opening deposit:
- Multiple options for free overdraft protection
- Up to 2 days early direct deposit
- Transfer money to anyone with Zelle
3 out of 5 Overall
To stay competitive, many free checking accounts also include perks like well-designed mobile apps (especially the online-only platforms), free ATMs, early direct deposit, budgeting features, automatic savings options, cash back, creative fee-free overdraft protection options and high APYs.
*https://www.fdic.gov/regulations/resources/rates/
None
55,000 Allpoint ATMs
Best for Tech-Forward Clients
The only fees you typically can’t get away from are for less common services like card replacement, foreign transactions, stop payment and wire transfers.
Frequently Asked Questions (FAQs)
What Banks Offer Free Checking Accounts?
Fees
Capital One 360 Checking Account
Are Free Checking Accounts Really Free?
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0.15% on checking and savings
Fees
6 Best Free Checking Accounts
How Can You Avoid Common Checking Account Fees?
Out-of-network ATM fees
Minimum opening deposit:
Pro Tip
ATM access
What Are Common Free Checking Account Benefits?
Chime also has a referral bonus promotion that has no expiration date. After you open your account, if you refer a friend and they open a new account and receive a direct deposit of at least 0 in the first 45 days, you will each receive .
Make sure to use the referral link from your account to get the cash bonus. Chime is great for beginners, offering fee-free overdraft, automatic savings, early paycheck deposit and 60,000+ fee-free ATMs.
37,000+ MoneyPass ATM
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