Free Checking Accounts

You won’t have to worry about monthly fees on any of the 313 free checking accounts listed below, regardless of your balance. You can avoid monthly fees on a broader range of bank accounts by maintaining a certain minimum balance or simply by having your payroll or government benefits directly deposited. But keep in mind there’s no such thing as totally free checking, because even “free” checking accounts charge transactional fees for things like overdrafts or out-of-network ATM withdrawals.

You more
Sort:
Advanced Options
Minimum Amount to Open?
less than $
Need a Debit Card?
  
Foreign Transaction Fee
        
Account Type
  
Narrow by Location
Rewards
Ad Disclosure
Recommend this page:
WalletHub is an independent comparison service.
We work hard to present you with accurate checking account information on this page. However, this information does not originate from us and therefore we cannot guarantee its accuracy. You can check the details page of each offer for the date the information was last updated on WalletHub. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicants' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as "Sponsored" on the offer's details page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to list as many checking account offers as possible but we don't make any representation of listing all available offers.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, non-sponsored offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
1st bank yuma checking account
Interest Rate
2.96%
Monthly Fees
None
Features
Visa Debit Card
more info
  • In order to get the 3.00% APY you need to have the following monthly requirements : online banking, e-statements, one direct deposit and 15 debit card transactions.
  • If account does not meet requirements during monthly cycle a .05% APY will be earned on the entire balance.
westfield bank dream big checking
Interest Rate
1.99%
Monthly Fees
None
Features
Visa Debit Card
more info
  • If requirements are not met you will earn 0.05% APY.
  • To earn the interest rates and APYs posted, you must have at least 12 debit card point-of-sale (POS) purchases post and clear within a qualification cycle; Have at least one direct deposit or automatic payment post and clear within a qualification cycle; AND Enroll in Online Banking and receive electronic statements.
  • Free Check Writing Privileges
  • Westfield Bank will reimburse up to $12 per month of ATM surcharges incurred using your Westfield Bank ATM/Debit card outside of the MoneyPass Network.
  • Westfield’s mobile banking app will allow both personal and business banking customers to pay bills, transfer funds, and utilize mobile deposit capture on any smartphone, tablet or laptop
texas first bank rewards checking
Interest Rate
1.99%
Monthly Fees
None
Features
Visa Debit Card
more info
  • To qualify for interest and Rebate of ATM Owner Surcharge you must: Have at least 10 debit card purchases post and clear AND Receive eStatements AND Have at least 1 automatic payment.
  • Unlimited check writing.
americanet rewards checking
Interest Rate
1.5%
Monthly Fees
None
Features
Visa Debit Card
more info
  • Product can be found at www.americanetbank.com, which is an online subsidiary of All America Bank.
  • To qualify for Overdraft Privilege you must have made deposits totaling $500 within the last 30 days.
  • If requirements are not met you will earn 0.25% APY.
evantage bank rewards checking
Interest Rate
1.5%
Monthly Fees
None
Features
Visa Debit Card
more info
  • Bill Pay is free up to 10 payments a month, and $0.50 per payment after that.
  • To qualify for Overdraft Privilege you must have made deposits totaling $500 within the last 30 days.
  • If requirements are not met you will earn 0.25% APY.
bank of internet rewards checking account
Interest Rate
1.24%
Monthly Fees
None
Features
Visa Debit Card
more info
  • Free initial checks (50-pack) if ordered at account opening.
  • Free online images of checks and statements.
  • Your interest rate can be as high as 1.24% based on the following combined rate rewards: direct deposits totaling $1,000 or more; two bill payment transactions per month; one to five debit card purchases per month and six or more debit card purchases per month.
  • No fee for an item generating a negative balance less than the NSF fee.
  • Unlimited ATM reimbursements at any domestic ATM in the US - confirmed by the bank.
evb reward checking
Interest Rate
1.01%
Monthly Fees
None
Features
Visa Debit Card
more info
  • Unlimited check writing.
  • ATM fee reimbursements provided only if qualifications are met within the monthly qualification cycle.
  • To qualify for shown interest rates you must: Have at least 10 debit card purchases post and clear AND Access Online Banking AND Receive free e-Statements AND Have at least 1 direct deposit or ACH auto-debit. Otherwise Interest rate and APY is 0.05%.
legacytexas bank maximum checking
Interest Rate
1%
Monthly Fees
None
Features
MasterCard Debit Card
more info
  • To maintain a Maximum Checking Account, you must (a) receive a monthly direct deposit OR (b) make at least ONE online bill payment per month. If these eligibility requirements are not met, the account may be converted to a Free Checking account.
bank5 connect high interest checking account
Interest Rate
0.76%
Monthly Fees
None
Features
Visa Debit Card
fnbo direct online checking account
Interest Rate
0.65%
Monthly Fees
None
Features
Visa Debit Card
more info
  • One Overdraft Forgiveness every 12 months.
  • BillPay payments from your Checking Account may not be less than $5 or more than $10,000.
  • You benefit from discounts through the MyDeals® Program.
  • International Wire Transfers are not allowed for FNBO Direct customers.
Ask our Experts
EXPERT’S ANSWERS

Tips For Avoiding Checking Account Fees

By: Richie Bernardo, Personal Finance Reporter Free checking enables you to avoid monthly fees and the minimum daily balance requirements that often accompany them. But you may still incur other fees for other types of transactions. There are approximately 30 possible fees associated with the average checking account, according to WalletHub’s Checking Account Transparency Report. For most consumers, however, the highest cost after a monthly fee comes from bounced checks and account overdrafts. Acting strategically will help you keep costs as low as possible. Here are some tips for doing so:
  • Say No To Your Bank: When you open your checking account, the bank or credit union will offer to cover one-time debit card and ATM transactions that exceed your balance in exchange for an overdraft fee. By refusing this offer, your transactions will be declined, but you won’t incur costly overdraft charges.
  • Get Overdraft Protection: While you can opt out from having your bank cover overdrafts, you can still be charged nonsufficient funds (NSF) fees when you bounce checks. A service offered by banks and credit unions,overdraft protection keeps your account from going negative in the first place. It covers checking account shortfalls by transferring funds from another deposit account or even from a loan. There is a cost associated with this option, but it is cheaper than overdraft and NSF fees.
  • Monitor Your Banking Activity: In any case, a little attention to your banking activity will help you to avoid costly overdraft fees. Take advantage of online and mobile banking tools. You can also maintain a check register and reconcile it with your bank statement every month. And by recording checks as you write them, you’ll avoid spending the funds that are meant to cover those checks.
  • Avoid ATM Fees: You can save on ATM fees by selecting a bank that has terminals located close to your home and work. But an even better option is to seek out an institution that doesn’t charge to use other banks’ ATMs. Some, like online-only banks, will even reimburse you for the surcharges many ATM owners tack on.
  • Don’t Overlook Smaller Institutions: You might start by looking at credit unions, which charge, on average, about 70% cheaper fees than national banks, according to the WalletHub Banking Landscape Report. But don’t ignore online-only banks, which charge roughly comparable rates to credit unions, due to their low overhead.

Can I Open A Free Checking Account With Bad Credit?

By: Richie Bernardo, Personal Finance Reporter Your credit report and credit score have no bearing on your ability to open a free checking account. Although you can get a free checking account with no credit check, banks and credit unions still check your bank account history through a database called ChexSystems. If you’ve mismanaged a bank account within the past five years, that will be reflected on your ChexSystems report, and other banks are likely to deny your application for a new account. Check out our guide to ChexSystems to learn more about the consumer reporting agency and its practices. However, you still have options if you have a bad banking record:
  • Apply For Second Chance Checking: This account type is designed specifically for consumers with blemished ChexSystems records and offers the advantages of traditional checking with certain limitations. Keep in mind, though, that second chance checking accounts aren’t free and tend to have higher-than-average fees.
  • Get A Prepaid Card: A prepaid card, which is functionally identical to a checking account without the physical checkbook, is a more affordable option for people who’ve had trouble opening a checking account. Fees vary widely on prepaid cards, but by shopping around and choosing carefully, you can get your effective costs pretty close to zero.
COMMUNITY DISCUSSION

Help others find the best checking accounts by sharing what your deciding factor was when choosing your checking account