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

Fee-Free Checking Account

Simple
Fee-Free Checking Account logo

Fee-Free Checking Account

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

Account Details

  • No fees. No minimum balances. No overdraft charges. No hassles.
  • 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.
  • All the features you need: over 50,000 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.
  • Block and Unblock Card - Block your card with the mobile app, or through your web account. When you recover your card, unblock it instantly.

Benefit Overview

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

Fee Breakdown

  • 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 logo

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 24,000 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
  • Free Debit Card Replacement
  • No Foreign Transaction Fee

Fee Breakdown

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

Interest Checking Account

Ally Bank
Interest Checking Account logo

Interest Checking Account

Ally Bank
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 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®

Benefit Overview

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

Fee Breakdown

  • Stop Payments
    $15
  • Monthly Fee
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Paper Statements
    $0
  • Overdraft/NSF
    $25
View Details

Summit Account

Aspiration
Summit Account logo

Summit Account

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

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

Benefit Overview

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

Fee Breakdown

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

Radius Hybrid

Radius Bank
Radius Hybrid logo

Radius Hybrid

Radius 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 0.90% APY
  • Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you
  • Pay anyone, anywhere with Radius Pay a Friend
  • No monthly maintenance fees
  • No monthly minimum balance requirement (after $10.00 minimum to open)

Benefit Overview

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

Fee Breakdown

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

Free USAA Classic Checking

USAA Federal Savings Bank
Free USAA Classic Checking logo

Free USAA Classic Checking

USAA Federal Savings Bank
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 minimum balance requirements
  • Up to $15 in ATM fee refunds each month
  • Free direct deposits
  • Free transfers and bill payments

Benefit Overview

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

Fee Breakdown

  • Stop Payments
    $29
  • Monthly Fee
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Paper Statements
    $0
  • Overdraft/NSF
    $25
View Details

Yield Pledge® Checking

EverBank
Yield Pledge® Checking logo

Yield Pledge® Checking

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

Account Details

  • Yields in the top 5% of competitive accounts – always.
  • $5,000 to open
  • Unlimited ATM fee reimbursements with $5,000 minimum balance
  • Apple Pay® supported debit card

Benefit Overview

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

Fee Breakdown

  • Stop Payments
    $30
  • Monthly Fee
    $0
  • Debit Card Replacement
    $5
  • Out-of-Network ATM
    $0
  • Early Closure
    $25
  • Paper Statements
    $0
  • Overdraft/NSF
    $30
View Details

Cashback Checking

Discover
Cashback Checking logo

Cashback Checking

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

Benefit Overview

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

Fee Breakdown

  • Stop Payments
    $15
  • Monthly Fee
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Paper Statements
    $0
  • Overdraft/NSF
    $30
View Details

eOne Checking

Salem Five Direct
eOne Checking logo

eOne Checking

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

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

Benefit Overview

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

Fee Breakdown

  • Stop Payments
    $30
  • Monthly Fee
    $0
  • Debit Card Replacement
    $10
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Paper Statements
    $2.95
  • Overdraft/NSF
    $35
View Details

Simply Right® Checking

Santander Bank
Simply Right® Checking logo

Simply Right® Checking

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

Account Details

  • Make one deposit, withdrawal, transfer or payment each month to waive the Monthly Fee.
  • Online and Mobile Banking available in addition to over 600 branches and 2,000 ATMs across the Northeast

Benefit Overview

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

Fee Breakdown

  • Stop Payments
    $30
  • Monthly Fee
    $10
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $3
  • Early Closure
    $25
  • Paper Statements
    $3
  • Overdraft/NSF
    $35
View Details