Account Details

Earn 1.55% APY on all Protected Goals Account Balances.
High-Yield Checking – In addition to your Simple Account, open a Protected Goals Account to earn a higher APY and keep it safe from spending.
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).
Automate Your Savings – Turn on Round-up Rules and start saving up effortlessly. Whenever you make a purchase, Simple will round up what you spend to the next whole dollar amount. When the “change” from those transactions reaches or exceeds $5, Simple transfers it to your Protected Goals Account.
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!)
Banking Services provided by BBVA USA, Member FDIC. The Simple Visa® Debit Card is issued by BBVA USA pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

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at Simple,

Deposits are FDIC Insured

Access America Checking

Out-of-network ATM fee: $0
Branches near you (15mi): Online Only
Balance to avoid fee: $500
Estimated monthly cost: $10

Account Details

Daily balance of $500 or Direct Deposit of at least $500 monthly to the account is required to avoid the $10 monthly service charge.
First order of Access America checks is Free
Unlimited PenFed ATM transactions, both withdrawals and balance inquiries, per statement cycle.
Superior dividends, easy access, exceptional terms and unparalleled service with direct deposit of $1,000 or more AND an average daily balance between $5,000 and $50,000 per statement cycle.
This is account is a variable rate account. Rates and tiers subject to change.
Federally insured by the NCUA
When using a non-PenFed ATM, the ATM owner may charge a fee
Surcharge-free ATM network: Allpoint, CU24

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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

Showing 1 – 10 of 20

	Out-of-network ATM fee	Branches near you (15mi)	Balance to avoid fee	Estimated monthly cost
Checking & Budgeting Simple Checking & Budgeting Simple $0 Estimated monthly cost View Details	Out-of-network ATM fee $0	Branches near you (15mi) Online Only	Balance to avoid fee None Deposits are FDIC Insured	Estimated monthly cost $0 Learn More at Simple, Deposits are FDIC Insured
Account Details Earn 1.55% APY on all Protected Goals Account Balances. High-Yield Checking – In addition to your Simple Account, open a Protected Goals Account to earn a higher APY and keep it safe from spending. 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). Automate Your Savings – Turn on Round-up Rules and start saving up effortlessly. Whenever you make a purchase, Simple will round up what you spend to the next whole dollar amount. When the “change” from those transactions reaches or exceeds $5, Simple transfers it to your Protected Goals Account. 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!) Banking Services provided by BBVA USA, Member FDIC. The Simple Visa® Debit Card is issued by BBVA USA pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. 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
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Rewards Checking Axos Bank™ Rewards Checking Axos Bank™ $0 Estimated monthly cost View Details	Out-of-network ATM fee $0	Branches near you (15mi) Online Only	Balance to avoid fee None Member, FDIC	Estimated monthly cost $0 Learn More at Axos Bank™, 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
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Personal Account nbkc bank Personal Account nbkc bank $0 Estimated monthly cost View Details	Out-of-network ATM fee $0	Branches near you (15mi) Online Only	Balance to avoid fee None Member, FDIC	Estimated monthly cost $0 Learn More at nbkc bank, Member, FDIC
Account Details Earn 0.75% 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
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Spending Account Chime Spending Account Chime $0 Estimated monthly cost View Details	Out-of-network ATM fee $2.50	Branches near you (15mi) Online Only	Balance to avoid fee None Deposits are FDIC Insured	Estimated monthly cost $0 Learn More at Chime, Deposits are FDIC Insured
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
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Bank Account Varo Bank Account Varo $0 Estimated monthly cost View Details	Out-of-network ATM fee $2.50	Branches near you (15mi) Online Only	Balance to avoid fee None Deposits are FDIC Insured	Estimated monthly cost $0 Learn More at Varo, Deposits are FDIC Insured
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 $2.50 Early Closure $0 Monthly Fee $0 Overdraft/NSF $0
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Online Checking BBVA USA Online Checking BBVA USA $0 Estimated monthly cost View Details	Out-of-network ATM fee $3	Branches near you (15mi) Online Only	Balance to avoid fee None Member, FDIC	Estimated monthly cost $0 Learn More at BBVA USA, Member, FDIC
Account Details No monthly Service Charge No ATM fees nationwide at more than 64,000 AllPoint®, participating 7-Eleven® and BBVA USA ATMs¹ Online Banking and Mobile Banking, plus Mobile Deposit® and Bill Pay Easily keep track of your purchases and get transaction alerts on the go with BBVA Mobile Banking App Earn cash back rewards for everyday debit card purchases with Simple Cash Back℠ Benefit Overview Mobile App Available Mobile Check Deposits Fee Breakdown Paper Statements $3 Stop Payments $32 Debit Card Replacement $5 Out-of-Network ATM $3 Early Closure $25 Monthly Fee $0 Overdraft/NSF $38
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Checking Account GoBank Checking Account GoBank $8.95 Estimated monthly cost View Details	Out-of-network ATM fee $2.50	Branches near you (15mi) Online Only	Balance to avoid fee $20 Member, FDIC	Estimated monthly cost $8.95 Learn More at GoBank, 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
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Easy Checking U.S. Bank Easy Checking U.S. Bank $8.95 Estimated monthly cost View Details	Out-of-network ATM fee $2.50	Branches near you (15mi) 26	Balance to avoid fee $1,500 Member, FDIC	Estimated monthly cost $8.95 Read Review
Account Details $6.95 monthly fee waived with $1,500 account balance OR $1,000 monthly direct deposit Surcharge-free ATM network: MoneyPass $2.00 Paper Statement Fee applies unless enrolled in eStatements. 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 $8.95 Overdraft/NSF $36
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Online Advantage Checking Mutual of Omaha Bank Online Advantage Checking Mutual of Omaha Bank $10 Estimated monthly cost View Details	Out-of-network ATM fee $3	Branches near you (15mi) Online Only	Balance to avoid fee $100 Member, FDIC	Estimated monthly cost $10 Learn More at Mutual of Omaha Bank, Member, FDIC
Account Details $10 monthly fee waived with $100 account balance Surcharge-free ATM network: MoneyPass Benefit Overview Interest Earning Account No ATM Fees Fee Breakdown Paper Statements $4 Stop Payments $30 Debit Card Replacement $5 Out-of-Network ATM $3 Early Closure $0 Monthly Fee $10 Overdraft/NSF $30
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Access America Checking PenFed Credit Union Access America Checking PenFed Credit Union $10 Estimated monthly cost View Details	Out-of-network ATM fee $0	Branches near you (15mi) Online Only	Balance to avoid fee $500 Federally insured by the NCUA	Estimated monthly cost $10 Read Review
Account Details Daily balance of $500 or Direct Deposit of at least $500 monthly to the account is required to avoid the $10 monthly service charge. First order of Access America checks is Free Unlimited PenFed ATM transactions, both withdrawals and balance inquiries, per statement cycle. Superior dividends, easy access, exceptional terms and unparalleled service with direct deposit of $1,000 or more AND an average daily balance between $5,000 and $50,000 per statement cycle. This is account is a variable rate account. Rates and tiers subject to change. Federally insured by the NCUA When using a non-PenFed ATM, the ATM owner may charge a fee Surcharge-free ATM network: Allpoint, CU24 Benefit Overview Mobile App Available Mobile Check Deposits Free Debit Card Replacement No ATM Fees Fee Breakdown Paper Statements $0 Stop Payments $15 Debit Card Replacement $0 Out-of-Network ATM $0 Early Closure $0 Monthly Fee $10 Overdraft/NSF $30
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