It's become increasingly difficult to find low-fee or free checking accounts. To make it easier, we've compiled offers from banks and credit unions to help you find the best checking account for your financial needs.

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checking accounts

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Out-of-network ATM feeBranches near you (15mi)Balance to avoid feeEstimated monthly cost

Checking & Budgeting

Simple

Checking & Budgeting

Simple
View Details
Out-of-network ATM fee
$0
Branches near you (15mi)
Online Only
Balance to avoid fee
None
Deposits are FDIC Insured

Account Details

  • High-Yield Checking
  • Earn 2.15% APY on Protected Goals Account balances $10,000 or more, Protected Goals Account balances lower than $10,000 still earn a competitive 2.02% APY
  • Simple Goals
  • Use Goals to stash away money: Save for the unexpected or automate saving for things you want. From a trip to Italy to a new bike.
  • Simple Expenses
  • Set it & forget: Set up your Expenses one time and going forward, we’ll do the boring work of recreating the Expense for you. That way, when you pay your rent bill, your Expense is already saving up for next month’s bill. Yep, it’s our job now. (You can even split Expenses with a partner when using a Shared Account).
  • Shared Accounts
  • Earn interest with whoever you’re interested in: Let your money earn up to 30x the national average APY with a Shared Protected Goals Account. And when it comes to shared bills, two paychecks are better than one! Open a Simple Shared account and tackle them together.
  • Safe-to-Spend®
  • Spend spontaneously, without derailing your budget or bills (or doing math on the spot...). We take your account balance, subtract your Expenses and Goals, and tell you exactly how much money you have leftover to spend on whatever you want. (Buy the shoes!)

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • Free Debit Card Replacement
  • No ATM Fees
  • Interest Earning Account

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Rewards Checking

Axos Bank™

Rewards Checking

Axos Bank™
View Details
Out-of-network ATM fee
$0
Branches near you (15mi)
Online Only
Balance to avoid fee
None
Member, FDIC

Account Details

  • Earn up to 1.25% APY
  • No Monthly Fees
  • No Overdraft Fees
  • No Minimum Balance
  • Purchase Rewards Program
  • No Fees to Use Domestic ATMs
  • Must be a U.S. resident to open an account

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Reduced ATM Fees
  • Overdraft Forgiveness

Fee Breakdown

  • Paper Statements
    $10
  • Stop Payments
    $35
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Cashback Debit

Discover

Cashback Debit

Discover
View Details
Out-of-network ATM fee
$0
Branches near you (15mi)
Online Only
Balance to avoid fee
None
Member, FDIC

Account Details

  • 1% cash back on up to $3,000 in qualifying debit card purchases each month
  • Access to over 60,000 fee-free ATMs
  • No fees
  • 24/7 U.S.-based customer service
  • *ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal™, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Benefit Overview

  • Mobile App Available
  • Free Debit Card Replacement
  • Reduced ATM Fees
  • Mobile Check Deposits

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Personal Account

nbkc bank

Personal Account

nbkc bank
View Details
Out-of-network ATM fee
$0
Branches near you (15mi)
Online Only
Balance to avoid fee
None
Member, FDIC

Account Details

  • Earn 1.01% APY on all balances
  • $0 Overdrafts or NSFs
  • Use any of the 32,000+ MoneyPass® ATMs in the U.S. for free.
  • Up to $12 monthly refunds for ATM fees other banks charge you
  • $0 minimum balance
  • $0 for a NBKC Debit MasterCard®
  • $0 for Online Banking with Bill Pay
  • $0 to deposit checks from your phone
  • $0 eStatements

Benefit Overview

  • Interest Earning Account
  • Free Debit Card Replacement
  • No Foreign Transaction Fee
  • No ATM Fees
  • Overdraft Forgiveness

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Bank Account

Varo

Bank Account

Varo
View Details
Out-of-network ATM fee
$0
Branches near you (15mi)
Online Only
Balance to avoid fee
None
Member, FDIC

Account Details

  • No monthly service fees, no foreign transaction fees, no minimum balances, no overdraft fees
  • No fees at 55,000 AllPoint ATMs worldwide
  • Get paid up to 2 days early with Early Direct Deposit
  • Mobile Check Deposit, deposit checks from your phone
  • Save money into a high yield savings account with automated savings tools

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • Free Debit Card Replacement

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Spending Account

Chime

Spending Account

Chime
View Details
Out-of-network ATM fee
$2.50
Branches near you (15mi)
Online Only
Balance to avoid fee
None
Member, FDIC

Account Details

  • Get paid up to 2 days early with Early Direct Deposit.
  • No monthly fees, no foreign transaction fees, no minimum balances, or overdraft fees.
  • Save money on auto-pilot with Automatic Savings.
  • Access over 30,000 fee-free MoneyPass ATM's and 30,000 cashback locations.
  • Mobile app for iOS and Android
  • Get real-time transaction alerts.
  • Pay bills with Chime Checkbook.

Benefit Overview

  • Mobile App Available

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $2.50
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

High-Rate Checking

Alliant Credit Union

High-Rate Checking

Alliant Credit Union
View Details
Out-of-network ATM fee
$0
Branches near you (15mi)
Online Only
Balance to avoid fee
$1
Federally insured by the NCUA

Account Details

  • To be eligible for interest, you must choose online statements AND have at least 1 recurring direct deposit per statement cycle. If account requirements are not met, interest is not paid, but no service fee applies
  • ATM Rebates up to $20/month for out-of-network ATMs (excludes 1% Visa foreign transaction fee)
  • Alliant does not charge any ATM fees, but the ATM owner may charge a fee (outside 80,000 ATM network)

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Mobile Check Deposits
  • No ATM Fees

Fee Breakdown

  • Paper Statements
    $1
  • Stop Payments
    $0
  • Debit Card Replacement
    $10
  • Out-of-Network ATM
    $0
  • Early Closure
    $10
  • Monthly Fee
    $0
  • Overdraft/NSF
    $25
View Details

Online Checking

BBVA USA

Online Checking

BBVA USA
View Details
Out-of-network ATM fee
$3
Branches near you (15mi)
Online Only
Balance to avoid fee
None
Member, FDIC

Account Details

  • Open with $25
  • No monthly Service Charge
  • No ATM fees nationwide at more than 64,000 AllPoint®, participating 7-Eleven® and BBVA USA ATMs
  • Complimentary Online Banking and Mobile Banking, plus Mobile Deposit® and Bill Pay
  • BBVA USA, Member FDIC

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits

Fee Breakdown

  • Paper Statements
    $3
  • Stop Payments
    $32
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $3
  • Early Closure
    $25
  • Monthly Fee
    $0
  • Overdraft/NSF
    $38
View Details

Easy Checking

U.S. Bank

Easy Checking

U.S. Bank
View Details
Out-of-network ATM fee
$2.50
Branches near you (15mi)
28
Balance to avoid fee
$1,500
Member, FDIC

Account Details

  • $6.95 monthly fee waived with $1,500 account balance OR $1,000 monthly direct deposit
  • Surcharge-free ATM network: MoneyPass

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • No ATM Fees

Fee Breakdown

  • Paper Statements
    $2
  • Stop Payments
    $35
  • Debit Card Replacement
    $5
  • Out-of-Network ATM
    $2.50
  • Early Closure
    $0
  • Monthly Fee
    $6.95
  • Overdraft/NSF
    $36
View Details

GoBank Checking Account

GoBank

GoBank Checking Account

GoBank
View Details
Out-of-network ATM fee
$2.50
Branches near you (15mi)
Online Only
Balance to avoid fee
$20
Member, FDIC

Account Details

  • $8.95 monthly fee waived with $500 monthly direct deposit
  • $2.95 starter kit fee to open

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • Free Debit Card Replacement
  • No ATM Fees
  • Overdraft Forgiveness

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $5
  • Out-of-Network ATM
    $2.50
  • Early Closure
    $0
  • Monthly Fee
    $8.95
  • Overdraft/NSF
    $0
View Details