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Checking Accounts
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. ADVERTISER DISCLOSURE

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Showing 1-10 of 24 Results
Checking Account Account Benefits Fees dollarsign
Federally insured by the FDIC
No Fees At All
No ATM Fees from Simple
Mobile app available
Free bill pay
$0.00 / mo

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at Simple

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $0.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • See your spending as it happens. Push notifications with every swipe.
  • Know what's Safe-to-Spend® by automatically factoring in upcoming bills, scheduled transactions, and transfers.
  • Save money automatically. Start a Goal, and each day Simple sets aside a small amount to help you reach it.
  • No monthly fees. No minimum balances. No overdraft charges. No hassles.
  • All the features you need: 55,000 fee-free ATMs, free direct deposit, photo check deposit, lightning quick mobile apps.
  • Simple does not charge ATM fees, but the ATM itself might. Use Allpoint ATMs to avoid all fees.
  • Surcharge-free ATM network: Allpoint
See complete Simple – Mobile Banking details
Federally insured by the FDIC
No monthly fees
Earns interest
No foreign transaction fees
$0.00 / mo

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at Schwab Bank

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $25.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $0.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Requires opening a linked Schwab One® brokerage account with no fees or minimums
  • Unlimited fee rebates from any ATM worldwide
  • Free bill pay on Schwab.com and Schwab Mobile
  • Overdraft Fee at left refers to a Non-Sufficient Funds Fee of $25
See complete Schwab Bank – High Yield Investor Checking details
Federally insured by the FDIC
No ATM fees
No overdraft fees
$0.00 / mo

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at BankMobile

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $0.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Remote Check Deposit and Picture Bill Pay
  • A personal banker to answer any of your questions
  • P2P - Pay anyone using their email address or phone number
  • 55,000 free ATMs across the country
  • Financial Education and Friendly Support
  • Text Alerts for Debit Card transactions, deposits and low balance notifications
  • Lock or unlock your Debit Card for security
See complete BankMobile – Totally Free Checking Account details
Federally insured by the FDIC
No monthly maintenance fee
Tiered interest rate up to 0.71% APY
No overdraft or non-sufficient funds fee
$0.00 / mo

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at Bank of Internet USA

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $35.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $10.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Earn up to 0.71% APY
  • Free Online Banking/Bill Pay
  • Free Mobile Banking
  • Free Mobile Deposit
  • Free MyDeposit
See complete Bank of Internet USA – Platinum Checking details
Federally insured by the FDIC
Some out of network ATM fees waived
Account pays some interest
$0.00 / mo

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at Ally Bank

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $25.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $15.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • No monthly maintenance fees
  • 24/7 live customer care
  • Use any Allpoint® ATM in the U.S. for free, plus reimbursement up to $10 per statement cycle for fees charged at other ATMs nationwide
  • Deposit checks remotely with Ally eCheck Deposit
  • Send someone money with Popmoney®
See complete Ally Bank – Interest Checking Account details
Federally insured by the FDIC
No monthly fees
No ATM Fees
Mobile app available
No foreign transaction fee
$0.00 / mo

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at Capital One 360

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $25.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • 38,000 fee-free Allpoint® ATMs and 2,000 Capital One® ATMs
  • Free MasterCard® Debit Card for all purchases
  • Overdraft protection options:
    • Set up Free Savings Transfer
    • Or apply for an Overdraft Line of Credit, where you'll pay interest only on the amount you borrow
  • There is no flat fee to use overdraft - you only need to pay interest if the account balance drops below zero and triggers use of an Overdraft Line of Credit
See complete Capital One 360 – 360 Checking details
Federally insured by the FDIC
Earn up to 1.00% APY
$0.00 / mo

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at Radius Bank

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $33.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $25.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Earn up to 1.00% APY on the portion of your balance over $2,500
  • Free Debit Card with no Radius ATM fees & unlimited ATM fee rebates
  • Free Online & Mobile Banking
  • Free first order of checks
  • No monthly maintenance fees
  • No monthly minimum balance requirement (after $10.00 minimum to open)
  • FDIC-insured
  • Surcharge-free ATM network: Unlimited ATM fee rebates
See complete Radius Bank – Radius Hybrid details
Federally insured by the FDIC
No fees for ATM use anywhere in the world; all fees incurred will be reimbursed
No monthly service fees, no minimum balances
1.00% APY on balances >$2,500; .25% APY on balances <$2,500
Aspiration donates a dime of every dollar of its revenue to charity
Ability to give to charitable programs from Aspiration dashboard
Aspiration works off of tips, so choose your own fee even if it's $0.00
$0.00 / mo

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at Aspiration

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $33.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $25.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Minimum initial deposit: $10
  • Minimum balance to maintain: $0
  • Account prevents overdrafts at ATMs & debit transactions
  • Use any ATM in the world free of charge
See complete Aspiration – Summit Account details
Federally insured by the FDIC
Some out of network ATM fees waived
Some overdraft fees refunded
No monthly service fees
Bank anywhere with free mobile apps
$0.00 / mo

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at USAA Federal Savings Bank

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $25.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $29.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $5.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • No monthly service fees
  • No minimum balance requirements
  • Up to $15 in ATM fee refunds each month
  • Free direct deposits
  • Free transfers and bill payments
See complete USAA Federal Savings Bank – Free Checking details
Federally insured by the FDIC
No monthly fees
Earns interest
No ATM Fees
$0.00 / mo

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at Salem Five Direct

Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $ 0.00 0 $0.00
Overdraft fees $35.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $30.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $10.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Salem Five will never charge a fee for ATM transactions conducted at non-Salem Five ATMs, and will reimburse the fees other banks charge up to $15 per statement cycle
  • Surcharge-free ATM network: All
  • Overdraft: (1) An Overdraft Protection Annual Fee of $25 may apply if you opt into this service (2) Should a transaction overdraw your account in the amount of $5.00 or less, your account will not be charged
See complete Salem Five Direct – eOne Checking details
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