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Nationwide Direct Checking

in Checking Accounts from Nationwide

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Nationwide Direct Checking

Unaffiliated

in Checking Accounts from Nationwide

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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0 users don't recommend
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Highlights
Community Rating

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Monthly Fee $0 - $5
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

Nationwide Direct Checking Review

Nationwide Direct Checking is offered by Nationwide, a financial services company founded in 1926 and based in Columbus, OH. Nationwide Direct Checking is available in 49 states (and Washington, DC).

Key Takeaways
  • 0% APY. As with most checking accounts, Nationwide Direct Checking does not pay interest.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $5.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Nationwide Direct Checking does not charge fees on ATM transactions.
  • Up to $30 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Nationwide.
  • Early direct deposit. Get access to you paycheck funds faster If you set up a direct deposit to this account.
Nationwide Direct checking Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Available in 49 states.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
Nationwide Direct checking FAQ

Are checking accounts from Nationwide federally insured?

No, your Nationwide checking accounts are not insured by a federal insurance agency. This means that if Nationwide were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Nationwide Direct checking offer?

Nationwide Direct checking is not an interest-bearing account.

What are the account minimums for Nationwide Direct checking?

Nationwide Direct checking does not require a minimum initial deposit.

Nationwide Direct Checking Minimums
Description
Minimum Direct Deposit to Avoid Monthly Fee $0.01
Minimum Opening Deposit Starting at $0

What fees does Nationwide Direct checking charge?

The good news is that this account does not have a monthly Service Charge.

Nationwide Direct Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $30
Check Copy $5
Debit Card Replacement Fee $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $5
NSF Fee $25
Online Bill Pay Fee $0
Overdraft Item Fee $25
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $10
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45

Does Nationwide Direct checking charge overdraft fees?

Yes, Nationwide Direct checking charges a $25 fee for every overdraft.

What features and perks does Nationwide Direct checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $30.
  • Fraud monitoring - Nationwide Direct checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Get paid early - If you set up direct deposit with your employer and request this service, you can collect your salary early.
  • Mobile Banking Services - Nationwide Direct checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Nationwide Direct checking?

The customer support email for Nationwide Direct checking is consumerprivacy@nationwide.com.

How do people rate the customer service and user experience of Nationwide Direct checking?

Overall, Nationwide Direct checking is strongly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Nationwide Direct Checking

Direct Checking, This account is for members who prefer simple and convenient checking with minimal fees. Enjoy seamless digital banking at no extra cost and get paid up to two days early* and eliminate maintenance fees when you use direct deposit. We’ll also reimburse up to $30.00 domestic ATM fees per month. Get started by opening a new account today.

Availability

  Available in 49 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Direct Deposit to Avoid Monthly Fee $0.01
Minimum Opening Deposit Starting at $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Reimbursement Monthly Limit $30
Check Copy $5
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $5
NSF Fee $25
Overdraft Item Fee $25
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $10
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Outgoing) $45
Account Features
  • No ATM Fees
  • Get Paid Early
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Fraud Monitoring
  • Mobile Banking
  • ATM Reimbursement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

Nationwide Direct Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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