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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

+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.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $5.
  • 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 the ATM fees charged by other financial institutions.
  • Free 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.
  • Hard credit pull. Nationwide may require a hard pull on your credit report to open a checking account.
Nationwide Direct Checking Pros & Cons
Pros Cons
  • Available in 49 states.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • 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 Account Minimums
Description Amount
Minimum Initial Deposit $0
Minimum Direct Deposit to Avoid Monthly Fee $0.01

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
Monthly Fee $0 - $5
Paper Statement Fee $5
ATM Fee: In-Network $0
ATM Fee: Out-of-Network N/A
NSF Fee $25
Overdraft Protection Fee (per transfer) N/A
Overdraft Item Fee $25
Early Account Closure N/A
Returned Deposit Fee (Domestic) $25
Debit Card Replacement Fee $0
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $10
Check Image Service N/A
Check Copy $5
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Outgoing) $45
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $25
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit $30

What features and perks does Nationwide Direct Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $30.
  • Fraud monitoring - Nationwide Direct Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Get paid early - If you fund your account with a payroll direct deposit and request this service, you can collect your salary early.
  • Mobile Banking Services - Nationwide Direct Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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.

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 Initial Deposit $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
Bank 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

+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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