You’ll still have to watch for surcharges imposed by the owner of the ATM, but by shopping carefully, you can get an account that will rebate your account for a limited number of ATM owner surcharges each month.
- General Consumer
- Business Owner
- College Student
- No
- Yes
Axos Bank Rewards Checking Account
- Use the promo code RC100 when you apply for a Rewards Checking account by 3/31/2023. Then have qualifying direct deposit(s) to earn a $100 welcome bonus!
- 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 Business Interest Checking
- Earn 1.01% APY*
- New business owners get a $200 welcome bonus with promo code NEWBIZ200. Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Enhanced Visa Debit Card Perks
- ADP Payroll Services – Axos clients receive 1st 4 months free
- Cash Deposit capability via MoneyPass and AllPoint networks
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
LendingClub Tailored Checking

- Earn 1.50% APY on balances up to $100,000.00
- Earn 1% cash back: You must have a Tailored Checking account open for at least 30 days and keep an average balance of $500 or more in your account
- Unlimited Transactions. No penalties, and no fees on debit card transactions, ATM deposits, and the checks you write.
- Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you.
American Express Business Checking

- Earn 30,000 Membership Rewards® points after qualifying activities:
- (a) Make an eligible deposit of $5,000 [or more] within 20 days of opening your first account, AND
- (b) Maintain an average account balance of $5,000 for 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
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