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

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

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
  • Reduced ATM Fees
  • Overdraft Forgiveness

Fee Breakdown

  • Stop Payments
    $0
  • Monthly Fee
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Paper Statements
    $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 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

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

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

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 an APY of 0.85% if your balance is $2,500 or higher*
  • 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

Airline Rewards Checking

UFB Direct

Airline Rewards Checking

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

Account Details

  • Rewards: 1 mile/point for every $3.00 Point of Sale (POS) debit transaction posted to your account
  • Earning Miles/Points Is Automatic: When opening your account, select American Airlines 2 as your membership affiliation under Traveler Information and then enter your Mileage Rewards number. Your airline miles accumulate as you use your debit card for Point of Sale (POS) transactions. Limited to earning 120,000 miles/points for a rolling calendar year. UFB Direct may add more participating airlines in the future.
  • Unlimited ATM reimbursements (excludes international transactions)

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • No ATM Fees

Fee Breakdown

  • Stop Payments
    $35
  • Monthly Fee
    $0
  • Debit Card Replacement
    $10
  • 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

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

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

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

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