ADVERTISER DISCLOSURE

Find a Free Checking Account

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Free checking accounts are tough to come by. You won’t find them at the big banks anymore, but if you’re in the market for a low-cost bank account, you’ll be happy to know that free checking hasn’t disappeared altogether just yet. Community banks, credit unions and online banks are some of the alternatives where you might find a checking account without the hassle of a monthly fee.

The government mandates that a checking account cannot be marketed as a free account if the consumer could potentially be charged a maintenance or activity fee. Be cautious, however, since you can still be charged for things like ATM withdrawals, overdrafts, and checks.

NerdWallet is helping to take the headache out of finding a free checking account. Below, we’ve listed some banks and credit unions with completely free checking to get you started. You can also use our handy checking account tool to find the best fit.

We are always on the lookout for great accounts. Got a suggestion? Let us know in the comments below.

Are you a credit union or bank that offers a free checking account? Simply fill out our short form.

Online banks
Alabama Alaska Arizona Arkansas California Colorado
Connecticut Delaware Florida Georgia Hawaii Idaho
Illinois Indiana Iowa Kansas Kentucky Louisiana
Maine Maryland Massachusetts Michigan Minnesota Mississippi
Missouri Montana Nebraska Nevada New Hampshire New Jersey
New Mexico New York North Carolina North Dakota Ohio Oklahoma
Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee
Texas Utah Vermont Virginia Washington Washington, D.C.
West Virginia Wisconsin Wyoming

Online banks

Ally Bank | Interest Checking Account
Ally+Bank
  • Balances of $15,000 or more get an even higher rate
  • Make deposits from home with Ally eCheck Deposit
  • No ATM fees nationwide - plus Ally will automatically reimburse fees charged by other banks at the end of your monthly statement period
Monthly Fee Minimum Balance APY
$0.00 $0.00 0.10%
Bank5 Connect High-Interest Checking
Bank5+Connect
  • Up to $15 reimbursed per month in other banks' ATM surcharges
  • No monthly fees
  • $100 minimum to earn interest
  • Free online banking, bill pay, and mobile banking
Monthly Fee Minimum Balance APY
$0.00 $0.00 0.76%
Capital One 360 | 360 Checking
Capital+One+360
  • $50 cash bonus for new accounts
  • Access to over 38,000 surcharge-free Allpoint ATMs
  • Use a mobile app or computer to deposit checks from anywhere with CheckMate
  • No foreign transaction fee
Monthly Fee Minimum Balance APY
$0.00 $0.00 0.20%
EverBank | Yield Pledge Checking
EverBank
  • 6-month bonus rate of 1.10%
  • All ATM fees reimbursed with an average daily balance of $5,000+
Monthly Fee Minimum Balance APY
$0.00 $0.00 0.30%

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

Washington, D.C.

West Virginia

Wisconsin

Wyoming

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