open a checking account online for free

Bank when and how you want with Mobile Banking, Online Banking with Bill Pay and free access to more than 1,900 ATMs across the Regions 15-state service area. Open an Online Checking Account with First Internet Bank - why not bank with one of the best? Yes, you can still enjoy FREE checking! With no minimum balance requirement, no monthly fee and no per check charges! And enjoy the convenience of banking.

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Checking Accounts

Convenient Account Management

Bank when and how you want with Mobile Banking, Online Banking with Bill Pay and free access to more than 1,900 ATMs across the Regions 15-state service area.

Financial Insights

Visit Insights by Regions for tools, tips and calculators to help you manage your money, save for your future, finance your needs and track your spending.

Secure Payment Solutions

Use Apple Pay, Google Pay, LG Pay, Samsung Pay and Click to Pay with Visa to make secure payments from your mobile device. Send money to friends with Zelle®, available through Online Banking and the Regions Mobile app. And reduce the risk of fraud on your Regions personal CheckCard, Now Card, and credit cards with the touch of a button using Regions LockIt®: Lock your card for certain types of transactions using the Regions Mobile app or Online Banking.

Community Involvement

wabi tv5 weather bangor maine We believe in giving back to our communities by supporting local organizations and donating our time and talents.  We even give associates a paid day off to volunteer with a cause of their choice.

Customer Service Excellence

With award-winning customer service through a branch, online, over the phone, on Facebook or Twitter, or even at an ATM, we strive to make each experience a satisfying one.

Источник: https://www.regions.com/personal-banking/open-checking-account-online

Texas Credit Union serving San Antonio, Austin, Dallas, Corpus Christi and more.

With high-value products and services, Randolph-Brooks Federal Credit Union (RBFCU) is a trusted financial partner for thousands of members in Texas, as well as around the world. RBFCU offers all the banking services you would expect from a leading credit union, and we've also made it our mission to help improve our members' economic well-being and quality of life. Our commitment to personalized service makes RBFCU membership the smarter banking choice.

Any alternate website that you visit by a link from RBFCU's website is solely the responsibility of that entity. Third-party links accessed from this site are provided for the convenience of RBFCU members. RBFCU is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies on the third-party site may differ from those practiced by RBFCU.

We use cookies to analyze and improve website use, and assist in overall user experience.

For your protection, please do not provide any personal information via email. If you are a member, please sign in to your Online Banking account to send a secure message.

If you are using a screen reader and are having problems using this website, please call 1-800-580-3300 for assistance.

Contact us today or stop by a local branch to find out how you can become a member.

Ask RBFCUИсточник: https://www.rbfcu.org/banking/really-free-checking-account

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Bank of America Advantage Banking

Whether you’re a new open a checking account online for free experienced saver or looking to save for a child’s future, you can enjoy a wide-range of benefits that help you to grow your savings account. As your account balance grows your interest rate may increase too. See today’s rates and start saving for the future.

Bank of America Advantage Savings

Maybe it’s a down payment for a home, a family vacation or a safe place to grow a nest egg. Whatever your savings goals, we have the CDs to help you. Easily open an account and start saving today.

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Источник: https://www.bankofamerica.com/deposits/bank-accounts/

Open a TD Bank Checking Account online

Our account selector will find out what works best for you.

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Find an account that meets your needs and your budget with the perks you want. Plus, you can open a checking account online in minutes.

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TD Beyond Checking

Most perks: Get the best of the best—an account loaded with benefits.

  • New checking Customers: See limited-time special offer
  • 3 ways to waive the monthly maintenance fee, including with direct deposits1
  • No ATM fees with a $2,500 minimum daily balance2
  • Get fees reimbursed on 2 overdrafts per year,3 Rush Bill Payments4 and more
  • Free incoming wires and a reimbursement for 1 outgoing wire (domestic or international) per statement cycle

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TD Simple CheckingSM

Your everyday checking account with open a checking account online for free minimum balance and a low $5.99 monthly maintenance fee

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TD Essential Banking

An account with our open a checking account online for free monthly maintenance fee of $4.95 and no overdraft fees or services, so you can keep your spending on the right track

Account details

Student Checking

Students and young adults ages 17 through 23 get even more great perks with TD Convenience CheckingSM5

Learn more

TD 60 Plus CheckingSM

If you're a senior or are 60 or older, you can earn interest and pay no monthly maintenance fee with a $250 minimum daily balance

Account details

Still deciding on a checking account?

Our account selector can help you choose, and you can open an account online in minutes.

View the TD Checking Account Guides.

1Monthly maintenance fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle or $2,500 minimum daily balance is maintained or maintain a $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link.

2Non-TD ATMs: TD ATM fees are waived regardless of balance. Any surcharges at the time of your non-TD ATM transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

3Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.

4Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, TD Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.

5TD Convenience CheckingSM monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.

6Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number and an active unique e-mail address. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Transaction limitations apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

7TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

View the TD Checking Account Guides.

1Monthly maintenance fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle or $2,500 minimum daily balance is maintained or maintain a $25,000 minimum daily combined balance of all deposit charter one online bill pay, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link.

2Non-TD ATMs: TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least $2,500. For non-TD ATM transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

3Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.

4Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, TD Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.

5TD Convenience CheckingSM monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.

6Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number and an active unique e-mail address. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. To send money for delivery that arrives typically within minutes, a TD Bank Visa® Debit Card is required. Message and data rates may apply, check with your wireless carrier. Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Transaction limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

7TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

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Источник: https://www.td.com/us/en/personal-banking/checking-accounts/

1Webster Premier Checking: Minimum opening deposit of $500 is required. You can avoid a $21.95 monthly maintenance fee by keeping $20,000 in combined monthly average checking, money market, and savings balances or $50,000 by adding CDs, home equity, and installment loan balances (excludes mortgages, refinanced student loans and savings secured loans) as of the end of your statement period; and monthly average investment balances (excluding the last day of the month). Fees may reduce earnings. Premier Checking is a tiered rate product. The tiers are $0 to $2,499.99, $2,500 to $9,999.99, $10,000 to $24,999.99, $25,000 to $49,999.99, and $50,000 and over. The APY (Annual Percentage Yield) for Premier Checking as of 06/01/2021 is 0.01% for balances of $0.01 to $49,999.99 and 0.01% for balances $50,000.00 and over, and is subject to change at any time. Tax reporting may apply. Product features are subject to change at any time.

Premier Checking ATM Benefits: Webster will not charge any fees for checking withdrawals at non-Webster ATMs. If you are charged a fee by another bank for checking withdrawals at its ATM, we will rebate the fee.

2Webster Value Checking: Minimum opening deposit of $50 is required. You can avoid the $11.95 monthly service fee when you meet ONE of the following during your monthly statement cycle: a) maintain a monthly average balance of at least $1,000; b) are age 65 or older and have at least one direct deposit; OR c) have cumulative direct deposits of $500 or more each month. Delivery of statements electronically is free; those accounts not enrolled in Statement eDelivery will receive a $2 monthly paper statement fee. This fee is waived for account holders age 65 and older or 18 and younger.

3WebsterOne® Relationship Checking: Minimum opening deposit of $50 is required. You can avoid a $16.95 (or $14.95 with direct deposit) monthly maintenance fee by keeping $4,000 in combined average checking, money market and savings balances during your monthly statement period or $20,000 adding CD, home equity and installment loan balances (excludes mortgages, refinanced student loans and savings secured loans) as of the end of your statement period. Rates and fees may vary by state and region; fees may reduce earnings. The APY (Annual Percentage Yield) for WebsterOne Relationship Checking is subject to change at any time.

4Webster Student Checking: Minimum opening deposit of $50 is required. No monthly service charge for 5 years after opening or switching to this account. After 5 years, it will convert to Webster Value Checking. A valid student ID is required; if it is not provided within 60 days of account opening account will capital bank of new jersey customer service to Webster Value Checking. You must be at least 18 years old to open an individual checking account at Webster. A student at least 15 years old may open a joint Student Checking account with another individual who is at least 18 years old. Each joint owner has full control over the account and is responsible for the activity of the other owner, including the activity of a minor who is a joint owner. See your Deposit Account Disclosures for more details on Joint Ownership Accounts.

Student Checking ATM Benefits: Per statement cycle, Webster will not charge for up to 4 ATM fees associated with using non-Webster ATMs. If you are charged a fee by another bank for using its ATM, we will rebate 1 fee per statement cycle. Product features are subject to change at any time. Insufficient Available Funds Fees: 1 fee will be rebated per academic year (September to August).

5Opportunity Checking: Minimum opening deposit of $50 is required. The monthly service charge will be $16.95 (or $11.95 with direct deposit). Visa debit card purchases using the "credit" option are limited to $250 per calendar day. Other miscellaneous fees may apply. Delivery of statements electronically open a checking account online for free free; those accounts not enrolled in Statement eDelivery will receive a $2 monthly paper statement fee. This fee is waived for account holders age 65 and older or 18 and younger.

*Special Loan Discounts – Automatic Loan Payment Offer: Customers with any personal Webster checking account are eligible to receive an automatic payment rate discount on Home Equity Loans and Lines, Mortgages and Personal Loans. To receive the rate discount, an automatic payment deduction (ACH) is required from your Webster Bank personal checking account. This discount does not apply to Government Assisted Mortgages. Mortgages over $1,000,000 are not eligible for the discount.

All loans and lines are subject to the credit approval process. Product features, APY and/or offers are subject to change without notice and may be withdrawn at any time. First premier bank collections phone number and fees may vary by state and region. Other restrictions may apply. Cannot be combined with any other offers from Webster or its affiliates. See a banker for details. Tax reporting may apply. Other miscellaneous fees may apply and reduce earnings.

**Delivery of statements electronically is free; accounts not enrolled in paperless statements will receive a $2 monthly paper statement fee. This fee is waived for account holders 8 and younger or 65+.

Источник: https://public.websteronline.com/personal/bank/checking

Best no-fee checking accounts of November 2021

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

Checking accounts are an essential financial tool, but they can also be expensive. Many major banks charge account maintenance fees that can cost you up to $15 a month.

Sometimes, if you meet certain requirements, such as maintaining a minimum balance and/or setting up direct deposit, your bank will waive the monthly fee. However, there are a number of good no-fee options that don't come with a bunch of rules attached.

Select analyzed and compared dozens of checking accounts offered by online and brick-and-mortar banks and credit unions that charge zero monthly maintenance fees.

When ranking the best no-fee checking accounts, we focused on the following criteria:

  • No monthly maintenance fee
  • No minimum balance requirement
  • Low initial deposit of $0 to $50
  • Available nationwide
  • Physical branch locations and/or online accessibility
  • Large ATM network
  • FDIC or NCUA insured up to $250,000

Accounts on our list had to meet all of the requirements above to be considered one of the best. In addition, all checking accounts mentioned below provide access to thousands of free ATMs and offer mobile check deposits. (See our methodology for open a checking account online for free information on how we choose the best checking accounts.)

Best no-fee checking accounts

Best overall: Capital One 360 Checking Account

Capital One 360 Checking®

Information about the Capital One 360 Checking® Account has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. Capital One open a checking account online for free a Member FDIC.
  • Monthly maintenance fee

    $0

  • Minimum deposit to open

    $0

  • Minimum balance

    None

  • Annual Percentage Yield (APY)

    0.10%

  • Free ATM network

    70,000+ Capital One®, MoneyPass and Allpoint® ATMs

  • ATM fee reimbursement

    None

  • Overdraft fee

    $35 if you opt-in to Next Day Grace

  • Mobile check deposit

    Yes

See our methodology, terms apply.

Pros

  • Top-rated mobile app
  • No minimum deposit to open an account
  • 0.10% APY on all account balances
  • No foreign transaction fees
  • Free savings transfer for overdrafts after opt-in

Cons

  • No reimbursement for out-of-network ATM fees
  • $35 overdraft fee if you opt-in to Next Day Grace

Who's this for? The Capital One 360 Checking Account takes the number-one spot on our list thanks in part to its top-rated mobile app, physical bank locations and an above-average APY. Plus, this account ranks number four on J.D. Power's 2019 U.S. National Banking Satisfaction Study, which ranks bank customer experience across various factors, including deposit accounts and convenience. Capital One receives strong satisfaction scores for mobile banking and checking accounts.

There's no minimum to open a Capital One 360 Checking Account, and you can earn 0.10% APY on all balances, which is pillados follando than the national average of 0.04%.

If you overdraw your account, Capital One offers the ability to opt-in to Next Day Grace, which allows the bank to authorize transactions that exceed the balance in your account. You'll have until the end of the next business day to make your balance positive, or you'll incur a $35 fee.  If you don't opt-in, Capital One will either auto-decline transactions that exceed your checking account balance (at no fee) or transfer available funds from a linked savings account,depending on the option you choose. Any bounced paper checks will incur a $9 fee, regardless of overdraft coverage.

For account holders who prefer to bank in-person, Capital one has 450 branch locations and is a better choice than online-only checking accounts. Open a checking account online for free there are currently 41 Capital One Cafes that provide a place to bank, work, grab a cup of coffee and get advice from a certified money coach. Currently, many Cafes are closed due to the coronavirus pandemic, but Capital One is in the process of re-opening select locations.

There are no foreign transaction fees, so you can use your debit card outside the U.S. without incurring any extra costs.

Runner-up: Ally Interest Checking Account

Ally Interest Checking Account

Information about the Ally Interest Checking Account has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. Ally is a Member FDIC.
  • Monthly maintenance fee

    $0

  • Minimum deposit to open

    $0

  • Minimum balance

    None

  • Annual Percentage Yield (APY)

    0.10% less than $15,000 minimum daily balance; 0.25% over $15,000 minimum daily balance

  • Free ATM network

    43,000+ Allpoint® ATMs

  • ATM fee reimbursement

    Up to $10 per statement cycle

  • Overdraft fee

    $0

  • Mobile check deposit

    Yes

See our methodology, terms apply.

Pros

  • Top-rated mobile app
  • No minimum deposit to open an account
  • ATM fee reimbursement up to $10 per statement cycle
  • 0.10% or 0.25% APY, depending on daily account balance
  • $0 overdraft fee

Cons

  • Online-only bank (no brick-and-mortar locations)
  • $15,000 minimum daily balance required for 0.25% APY

Who's this for? If branch-based locations aren't a must, consider the online-only Ally Interest Checking Account. This account ranks slightly behind Capital One due to its lack of physical locations. Otherwise, it's quite similar with no minimum to open and a well-reviewed mobile app.

Ally Bank account holders have access to over 43,000 fee-free Allpoint ATMs, but even then you may want to use an ATM from a different provider. What sets Ally apart is that you can be reimbursed up to $10 per statement cycle for fees charged at out-of-network ATMs nationwide. You don't need to meet any requirements to benefit from this perk.

Account holders also earn a higher-than-average APY. You can earn more depending on how much you have in your account:

  • 0.10% APY on minimum daily balances less than $15,000
  • 0.25% APY on minimum daily balances over $15,000

While the Ally Interest Checking Account offers a higher interest rate on balances over $15,000, you're better off putting that money in a high-yield savings account. The Ally Online Savings Account, which open a checking account online for free on Select's list of the best high-yield savings accounts, currently offers a 1.00% APY on all balances, which is double the checking account's APY.

Best for rewards: Discover Cashback Debit Account

Discover Cashback Debit Account

Information about the Discover Cashback Debit Account has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. Discover is a Member FDIC.
  • Monthly maintenance fee

    $0

  • Minimum deposit to open

    $0

  • Minimum balance

    None

  • Rewards

    1% cash back on up to $3,000 in debit card purchases each month

  • Free ATM network

    60,000+ Allpoint® and MoneyPass® ATMs

  • ATM fee reimbursement

    None

  • Overdraft fee

    $0

  • Mobile check deposit

    Yes

See our methodology, terms apply.

Pros

  • Top-rated mobile app
  • No minimum deposit to open an account
  • 1% cash back on up to $3,000 in debit card purchases each month
  • Opt-in to free overdraft protection
  • No overdraft fees

Cons

  • No reimbursement for out-of-network ATM fees

Who's this for? If you want a debit card that acts similar to a credit card, open a checking account online for free Discover Cashback Debit Account has you covered. This checking account provides customers with 1% cash back on up to $3,000 in debit card purchases each month. That's up to $30 cash back per month and $360 annually.

While 1% is lower than the cash-back rate you'd receive with one of the best credit cards, it's great for debit cards, which typically don't offer rewards programs. Account holders have the ability to redeem cash back as a deposit into a Discover checking, savings or money market account or transfer it to their Discover credit card. 

Since Discover is an online bank, there are no physical locations. However, Discover provides 100% U.S.-based customer service representatives that are available 24/7 and access to over 60,000 fee-free Allpoint and MoneyPass ATMs.

There is no minimum deposit required to open this account, and overdraft protection is free (which is hard to find).

Best for out-of-network ATMs: Alliant Credit Union High-Rate Checking Account

Alliant Credit Union High-Rate Checking

Information about the Alliant Credit Union High-Rate Checking Account has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. Alliant Credit Union is a Member NCUA.
  • Monthly maintenance fee

    $0

  • Minimum deposit to open

    $0

  • Minimum balance

    None

  • Annual Percentage Yield (APY)

    0.25% with paperless and recurring monthly electronic open a checking account online for free ATM network

    80,000+ Alliant network ATMs

  • ATM fee reimbursement

    Up to $20 per month

  • Overdraft fee

    $25

  • Mobile check deposit

    Yes

See our methodology, terms apply.

Pros

  • Top-rated mobile app
  • No minimum deposit to open an account
  • ATM fee reimbursement up to $20 per month
  • 0.25% APY

Cons

  • $25 overdraft fee
  • Must opt-in to paperless statements and have a recurring monthly electronic deposit to earn APY

Who's this for? Consumers who find it hard to stick to in-network ATMs should opt for a checking account that reimburses the fees you may incur. The Alliant Credit Union High-Rate Checking Account provides you with up to $20 per month in ATM fee rebates if you use out-of-network ATMs.

This is one of the highest monthly reimbursements and can save you up to $240 in ATM fees each year. There are chase void check fee requirements to benefit from this perk.

Beyond ATM fee rebates, the Alliant Credit Union High-Rate Checking Account offers open a checking account online for free APY, and you don't have to deposit any money to open an account. In order to earn interest, you must opt-in to paperless statements and have a recurring monthly electronic deposit (such as direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution).

Alliant is primarily an online-only institution with one location in Illinois. Since it's a credit union, you have to be a member to open a checking account. The easiest way to become a member is by supporting Alliant's partner charity, Foster Care to Success. However, you don't need to pay the charity directly since Alliant pays $5 on your behalf when you apply to join the credit union.

Beyond no-fee checking, Alliant offers an industry-leading cash-back credit card: the Alliant Cashback Visa® Signature Credit Card. This is a great cash-back card with 2.5% cash back on all purchases (up to $250 in cash-back rewards per billing cycle).

Best for students: Chase College Checking℠ Account

Chase College Checking℠

Information about the Chase College Checking℠ Account has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. Chase is a Member FDIC.
  • Monthly maintenance fee

    $6, with options to waive, including being a college student 17 to 24

  • Minimum deposit to open

    $0

  • Minimum balance

    $5,000 average beginning day balance unless you're a student 17 to 24

  • Annual Percentage Yield (APY)

    None

  • Free ATM network

    16,000 Chase ATMs

  • ATM fee reimbursement

    None

  • Overdraft fee

    $34

  • Mobile check deposit

    Yes

See our methodology, terms apply.

Pros

  • Top-rated mobile app
  • No minimum deposit to open an account
  • New account holders can earn a $100 bonus
  • No. 2 on J.D. Power's 2019 U.S. National Banking Satisfaction Study

Cons

  • $34 overdraft fee
  • No APY
  • No reimbursement for out-of-network ATM fees

Who's this for? The Chase College Checking℠ Account provides zero monthly service fees for up to five years for college students 17 to 24 who show proof of student status at account opening.

After the five-year period, the monthly fee is $6, which is waived if you make one direct deposit each month or maintain an average beginning day balance of at least $5,000.

Beyond no service fees for students, this Chase account is known for offering new account holder bonuses. Currently, new Chase College Checking℠ account customers can receive $100 after completing 10 qualifying transactions within 60 days of account opening. Offer expires April 8, 2021.

There's no deposit required to open this account, and you'll also pay no monthly maintenance fee on a Chase Savings℠ account linked to this account for overdraft protection.

Chase has 16,000 fee-free ATMs and nearly 4,900 branches across the U.S. Plus Chase ranks number two on J.D. Power's 2019 U.S. National Banking Satisfaction Study for providing innovative technology and high satisfaction with ATMs, plus the lowest incidence of problems.

Common checking account fees

Before you choose a checking account, familiarize yourself with common checking account fees. Here are seven common fees you may incur:

  • Monthly maintenance fee: The monthly service fee, often up to $15, that banks or credit unions charge to maintain your account.
  • Overdraft fee: If you spend more than the amount in your account, resulting in a negative balance, you may be hit with a steep overdraft fee up to $35.
  • Non-sufficient funds (NSF) fee: If you write a check and it bounces because there isn't enough money in your bank account, you'll likely incur a NSF fee.
  • ATM fee: When you use ATMs that aren't affiliated with your bank or credit union, you may be hit with two fees: one from your bank/credit union and another from the ATM operator.Banks/credit unions charge around $1.63 while ATM operators charge roughly $3.09.
  • Paper statement fee: If you don't enroll in paperless, you may pay up to $5 per statement.
  • Foreign transaction fee: If you use your debit card to make purchases or withdraw money from an ATM outside of the U.S., you'll often incur a fee that's often 3% of the U.S. dollar amount of the transaction.
  • Account closure fee: If you close your account within 90 to 180 days of opening it, you may incur an account closure fee around $25.

Our methodology

To determine which checking accounts provide the best place to deposit your money at no monthly cost, Select analyzed dozens of U.S. checking accounts offered by online and brick-and-mortar banks, including major credit unions. We narrowed down our rankings by only considering checking accounts that charge no monthly maintenance fees (and no catches to benefit from zero monthly fees).

While the accounts we chose in this article consistently have no monthly maintenance fees, we also compared each checking account on a range of features, including:

  • No minimum balance requirement
  • Low initial deposit of $0 to $50
  • Available nationwide
  • Physical branch locations and/or online accessibility
  • Large ATM network
  • Ease of use and account accessibility
  • Customer reviews, when available

All of the accounts included on this list are Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA) insured up to $250,000. This insurance protects and reimburses you up to your balance and the legal limit in the event your bank or credit union fails.

The rates and fee structures for checking accounts are subject to change without notice and they often fluctuate in accordance first merchants stock price the prime rate.

Your earnings depend on any associated fees and the balance you have in your checking account. To open an account, some banks and institutions may require a deposit of new money, meaning you can't transfer money you already had in an account at that bank. However, the five accounts listed above currently don't require any deposit during account opening.

Information about the Alliant Cashback Visa® Signature Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Источник: https://www.cnbc.com/select/best-no-fee-checking-accounts/

Open a Checking Account Online

1Loans, lines of credit and credit card products are subject to credit approval. Terms and conditions apply. Certain fees and restrictions may also apply. Ask your banker for details.

2Deposits include direct deposit, mobile deposit, ATM deposit or in branch deposit of any amount. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West.

3Foreign transaction fees may apply.

8Those applying online for a Premier Checking account must have a working mobile phone.

*Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer Member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California (License #0C52321) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors. Please consult your tax or legal advisor for more information regarding your personal situation.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Open a checking account online for free.

Investment and Insurance Products:

  • NOT FDIC INSURED
  • NOT BANK GUARANTEED
  • MAY LOSE VALUE
  • NOT A DEPOSIT
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Источник: https://www.bankofthewest.com/open-account/personal-checking-accounts.html

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