You can find advice for choosing an account in the Expert’s Answers section below. If you’ve used a free checking account in the past, be sure to help other searchers by writing a review
- General Consumer
- Business Owner
- College Student
- No
- Yes
Axos Bank Rewards Checking Account
- Earn up to 3.30% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
- Only $50 to open an account
Axos Bank First Checking
- For customers ages 13-17.
- No monthly maintenance fees.
- No overdraft or non-sufficient funds fees.
- Earn 0.10% APY.
- Up to $12 domestic ATM fee reimbursements per month.
Axos Bank Golden Checking
- For customers age 55 and over.
- 0.10% APY on all balances.
- No fees and free personal checks.
- Up to $8 domestic ATM fee reimbursements per month.
- No overdraft or non-sufficient fund fees.
Axos Bank Basic Business Checking
- New business owners get a $200 welcome bonus with promo code NEWBIZ200. Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- ADP Payroll Services – Axos clients receive 1st 4 months free
- Zero monthly maintenance fees
- Unlimited Transactions
- Unlimited domestic ATM fee reimbursements
- $0 Minimum Opening Deposit requirement
- 2 Free Domestic Wires, monthly
- Cash Deposit capability via MoneyPass and AllPoint networks
Axos Bank Essential Checking
- No monthly maintenance fees
- No minimum monthly balance requirements
- Unlimited domestic ATM fee reimbursements
- No overdraft or non-sufficient funds fees
Axos Bank CashBack Checking
- Earn up to 1.00% cash back on transactions that require a signature
- No monthly fees
- Unlimited domestic ATM fee reimbursements
All America Bank Ultimate Rewards Checking

- Offers a high yield — up to 4.50% APY
- Open this account with a minimum deposit of $50 in person. Open this account with a minimum deposit of $500 online.
- In order to earn 4.50% APY and qualify for foreign ATM reimbursement you must:
- (a) Make 10 All America Bank Mastercard® debit card transactions per monthly statement cycle.
- (b) Receive your statements electronically.
- If you don’t meet the requirements outlined above, you’ll earn 0.25% APY
- If you have met your minimum monthly activity required, All America Bank will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum
- 10 free Online Bill Pay transactions per month; $0.50 charge for each transaction over the 10 free transactions
- There is a limit of 2 Ultimate Rewards Checking Accounts allowed per individual
- All America Bank Mastercard debit card for secure purchases with access to 1,000s of ATMs worldwide
Bank5 Connect High-Interest Checking Account

- No Maintenance Fees
- Your first order of basic checks is free, and you can easily order new checks through Online Banking
- Bank5 Connect will never charge you for using an ATM and will reimburse other banks’ surcharges up to $15 per statement cycle
- Your Bank5 Connect Visa® debit card gives you free access to thousands of SUM® Network ATMs nationwide
NBKC Bank Everything Account

- No minimum balance fees
- No fees for Overdrafts (NSFs), Returned Items
- Reimburses $12 per month for out-of-network ATM fees
- Use 37,000+ MoneyPass® ATMs in the U.S for free
American Express Business Checking

- Earn 30,000 Membership Rewards® points after qualifying activities:
- (a) Achieve an account balance of $5,000 or more from eligible deposits within 30 days of opening your first account, AND
- (b) Maintain an average account balance of $5,000 for the next 60 days, AND
- (c) Make 5 or more qualifying transactions within 60 days of opening your account.
- Any points you earn, including this Welcome Offer and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.
- If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.
- All Business Checking accounts come with an American Express® Business Debit Card. Earn 1 Membership Rewards® point for every $2 spent on eligible Business Debit Card purchases.
- 1.3% APY on balances up to $500k. No interest is earned on account balances over $500,000
- No monthly account maintenance fees
- No minimum balance requirement
- With 37,000 MoneyPass® ATMs nationwide, you can enjoy fee-free withdrawals at locations near you