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Free Checking Accounts For Students
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Monthly checking account fees can add up to big expenses, so it pays to find a free checking account for everyday banking needs.
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The best free checking accounts offer perks, such as a high annual percentage yield (APY), which pays interest on your balance, out-of-network ATM payments and/or free bank checks.
Free checking accounts promise to avoid the monthly maintenance fees charged on many bank checking accounts, although some fees — even on free accounts — are unavoidable. Understand the rules governing your account.
Some banks will waive (or reimburse) ATM fees, so it's important to know which networks your bank participates in. We used ATMs directly from each bank's website to compile our list of the best free checks.
Note: Annual percentage yields (APYs) shown are as of December 1, 2022 and may vary by region for some products. Only Federal Deposit Insurance Corporation (FDIC) banks or National Credit Union Administration (NCUA) credit unions are listed.
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NBKC Bank, Everything Account: 1.26% APY, $0 Minimum Opening Deposit
NBKC Bank is an online bank that also operates four branches in Kansas and Missouri. The NBKC Everything account offers a competitive APY among free checking accounts and only requires $5 to open.
Other benefits include a refund of up to $12 in ATM fees charged by ATMs outside the NBKC or MoneyPass network.
Ally Bank offers a checking account with no monthly maintenance fee or minimum opening deposit. It also offers 0.1 percent APY on balances under $15,000 and 0.25 percent APY with a minimum daily balance of $15,000.
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Ally's Interest Checking Account also offers free perks like free standard checking and free AllPoint ATM access. Allied scrapped overdraft fees in June 2021.
The FNBO Direct online checking account only requires $1 to open an account and helps you earn some interest. The account has free incoming calls and no monthly maintenance fees. With this account, you will be able to access surcharge-free ATMs through Allpoint's network.
This checking account earns very little interest on all balances and requires no money to open or maintain the account. It also gives you free access to over 70,000 Capital One, MoneyPass and AllPoint ATMs.
Quantic Bank, Cash Rewards Check: Get 1.50% cashback on eligible debit card purchases, $100 minimum opening deposit
Free And Basic Checking Accounts — Find A Better Bank
This checking account does not charge a monthly maintenance fee and offers a cashback option. Quantic Bank offers 1.5% cashback on eligible debit purchases with this checking account. This account provides surcharge-free access to over 90,000 ATMs across the country.
Generally, it takes less than half an hour to open an account. In some cases it may take longer.
If you have a credit freeze on your credit file and the bank has a policy of contacting at least one credit bureau during the account opening process, the account opening process may take longer. If you have a credit freeze, check with the bank before you apply to see if you only need a credit freeze at one credit bureau or if you need to do it at multiple bureaus.
There are free checking accounts that offer you a competitive APY and charge no fees. But you have to make direct deposit or make a certain number of debit card purchases to qualify for the higher APY. At some banks, both direct deposit and debit card minimum purchases may be required.
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Unlike most savings accounts and money market accounts at online banks, this high APY can be capped if your balance exceeds a certain amount. Any balance that exceeds a certain threshold earns less than the highest-yielding savings accounts and money market accounts. Therefore, moving any excess balance to higher-income accounts (such as savings accounts or money market accounts) is a good way to improve your earning power.
Before opening a free checking account, weigh the pros and cons to see if it's the right product for you.
The editorial team does not receive any direct compensation from advertisers and is fact-checked to ensure the accuracy of our content. Our editorial and research teams analyzed more than 100 widely available financial institutions, including the largest banks and credit unions, as well as many popular online banks.
To find the best checking accounts, our editorial team analyzed various factors, such as fees, minimum balance requirements and the annual percentage yield (APY) offered. All checking accounts listed are insured by the Federal Deposit Insurance Corporation (FDIC) at banks or the National Credit Union Share Insurance Fund (NCUSIF) at National Credit Union Administration (NCUA) credit unions.
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Account minimums, monthly service charges and ATM charges are some of the important ones.
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