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 23

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

Rewards Checking

Bank of Internet USA

Rewards Checking

Bank of Internet USA
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
    $10
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Fee-Free Checking Account

Simple

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
  • 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

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 0.90% APY on all balances
  • $0 Overdrafts or NSFs
  • Use any of the 24,000+ 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
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

Radius Hybrid

Radius Bank

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 0.85% APY on balances of $2,500–$99,999.99*
  • Earn 1.20% APY on balances of $100,000 & up*
  • 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

Benefit Overview

  • Interest Earning Account
  • Mobile App Available
  • Free Debit Card Replacement
  • Reduced ATM Fees

Fee Breakdown

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

Cashback Checking

Discover

Cashback Checking

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 monthly maintenance fees
  • 24/7 U.S.-based customer service

Benefit Overview

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

Fee Breakdown

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

EarnMore Interest Checking Account

MemoryBank

EarnMore Interest Checking Account

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

Account Details

  • Earn 1.60% on balances up to $250,000
  • Access to over 85,000 fee-free ATMs

Benefit Overview

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

Fee Breakdown

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

High Yield Investor Checking®

Schwab Bank

High Yield Investor Checking®

Schwab Bank
View Details
Out-of-network ATM fee
$0
Branches near you (15mi)
Online Only
Balance to avoid fee
$1
Member, FDIC

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

Benefit Overview

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

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
    $25
View Details

Interest Checking Account

Ally Bank

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
  • Reduced ATM Fees

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $15
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $25
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)
29
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