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 110 of 20

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

  • 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
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

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 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
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
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
View Details

Bank Account

Varo

Bank Account

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

  • 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
View Details

Checking Account

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

Easy Checking

U.S. Bank

Easy Checking

U.S. Bank
View Details
Out-of-network ATM fee
$2.50
Branches near you (15mi)
26
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
  • $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
View Details

Online Advantage Checking

Mutual of Omaha Bank

Online Advantage Checking

Mutual of Omaha Bank
View Details
Out-of-network ATM fee
$3
Branches near you (15mi)
Online Only
Balance to avoid fee
$100
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
View Details

Access America Checking

PenFed Credit Union

Access America Checking

PenFed Credit Union
View Details
Out-of-network ATM fee
$0
Branches near you (15mi)
Online Only
Balance to avoid fee
$500
Federally insured by the NCUA

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
View Details