Minimum Opening Deposit

Minimum Average Balance to Avoid Monthly Service Fee

ATM Fee: In-Network

ATM Fee: Out-of-Network (within the U.S.)

Overdraft Item Fee

Check Cashing Fee

Account Features

Member FDIC

Check Writing

Online-Only Account

Teen Checking Account

Expense Management

Tax Tools

Student Checking Account

Joint Accounts

Rewards

Does not support direct deposits

Investment and Savings hybrid

Tiered-rate Account

Linked Savings Account

No ATM Access

Free Bill Pay (Standard Delivery)

Private Banking

No ATM Fees

Free Bill Pay

Mobile Check Deposit

No Monthly Maintenance Fee

Interest Bearing Account

ATM Reimbursement

Nationwide ATM Network

Check Images with Statement

Mobile Banking

Fraud Monitoring

Debit Card Lock/Unlock

Fraud Protection

Soft Credit Pull

IRAs

Debit Card

Automatic Transfers

Get Paid Early

Bauer Financial A+/A Rating

Insured by NCUA

Branch Access

No Rollover Fee

Identifies the specific audience that a bank account is designed to serve. This classification helps users find products that are better tailored to their unique financial situation, age group, or financial history. It enhances the ability to filter and present more relevant banking options in SuperMoney’s listings, profiles, and comparisons.

Account Type

Business

Non-Resident

Teen

Second Chance

Kids

General Use

Military

Senior

APY (Annual Percentage Yield)

Bonus Offer

States Offered

WV - West Virginia

WY - Wyoming

GU - Guam

AS - American Samoa

MP - Northern Mariana Islands

PR - Puerto Rico

VI - United States Virgin Islands

AK - Alaska

AL - Alabama

AR - Arkansas

AZ - Arizona

CA - California

CO - Colorado

CT - Connecticut

DC - Washington, DC

DE - Delaware

FL - Florida

GA - Georgia

HI - Hawaii

IA - Iowa

ID - Idaho

IL - Illinois

IN - Indiana

KS - Kansas

KY - Kentucky

LA - Louisiana

MA - Massachusetts

MD - Maryland

ME - Maine

MI - Michigan

MN - Minnesota

MO - Missouri

MS - Mississippi

MT - Montana

NC - North Carolina

ND - North Dakota

NE - Nebraska

NH - New Hampshire

NJ - New Jersey

NM - New Mexico

NV - Nevada

NY - New York

OH - Ohio

OK - Oklahoma

OR - Oregon

PA - Pennsylvania

RI - Rhode Island

SC - South Carolina

SD - South Dakota

TN - Tennessee

TX - Texas

UT - Utah

VA - Virginia

VT - Vermont

WA - Washington

WI - Wisconsin

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You specified that you do not have a checking account, which is a requirement for most online lenders in order to disburse the funds directly into your account once approved.

Best Free Checking Accounts - March 2026: Compare top providers and find the best deals for your financial situation with SuperMoney's comparison tools.

Compare the Best Free Checking Accounts - March 2026

Best Free Checking Accounts for March 2026