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
- Use Promo Code "MAY150" for a $150 bonus!
- Up to 1.25% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Zero Minimum Balance Requirement
- 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
American Express Business Checking

- Earn a $300 deposit when you open American Express Business Checking and do the following:
- (a) Deposit $5,000 within 20 days of opening your account, AND
- (b) Maintain an average account balance of $5,000 for 60 days, AND
- (c) Make 10 or more qualifying transactions within 60 days of opening your account
- 1.1% 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
American Express Rewards Checking

- Earn a 0.50% APY, 10X higher than the national rate
- No Monthly Account Fees and No Minimum Balance Requirements
- Earn Membership Rewards® points on Debit Card purchases: Reward your everyday spending and earn 1 Membership Rewards point for each $2 of eligible Debit Card purchases. No cap on how many points you can earn
- Amex Rewards Checking accounts do not currently provide services for wire payments, overdraft protection, or online bill payment
- With 37,000 MoneyPass® ATMs nationwide, you can enjoy fee-free withdrawals at locations near you
- Amex Rewards Checking accounts are subject to a maximum deposit limit of $5,000,000.
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
Amalgamated Bank Online Checking

- Online Checking has no monthly maintenance fee
- Two (2) domestic non-Allpoint®, non-Amalgamated Bank ATM surcharges waived per statement cycle
- Surcharge-free access to more than 40,000 Allpoint® ATMs nationwide