Last Updated: 01/21/2026
SuperMoney User Recommendation Score +67
Strongly recommended9 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$5(Verified 01/21/2026)
Disclaimer popup with additional information
Number of Reviews
Nationwide Direct Checking Review
The 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 account fees available. This account charges a monthly fee of $5.00.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Nationwide Direct Checking does not charge fees on ATM transactions .
- Up to $30 in ATM fee rebates. 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 when you enroll in Nationwide mobile or online banking.
- Early direct deposit. You could have access to you paycheck funds faster if you set up a direct deposit to this account.
Nationwide Direct checking Pros & Cons
| Pros | Cons |
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 rebates - This account will reimburse you for 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.
- Eligible for early pay - If you set up an eligible direct deposit with your employer, you may be able to collect your paycheck up to two days early.
- Mobile Banking Services - Nationwide Direct checking allows you to manage your money online or with a mobile app. This includes depositing checks1 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
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Checking Accounts from Nationwide
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Up to 0.20%
Monthly Service Fee
$0
Disclaimer popup with additional information
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Up to 0.10%
Monthly Service Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.45% - 0.9%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +67, or 4.3 on a 5-point rating scale.
+67
-1000+100
No one recommends
Everyone recommends
Nationwide Direct Checking Community Reviews
Would you recommend Nationwide Direct Checking to your friends?
MA
Mary A.
Feb 27, 2024
May or may not recommend
My experience with Nationwide Direct Checking has been largely positive. The mobile app is user-friendly, making it convenient for managing my accounts, transferring funds, and even depositing checks on the go. The nationwide ATM fee reimbursements have saved me money and provided flexibility. However, I did encounter a few glitches with the mobile app, causing minor disruptions. On the bright side, their customer service was quick to resolve any concerns ...Show More
Newdawn S.
Dec 5, 2023
May or may not recommend
"Nationwide Direct Checking is like a breath of fresh air in the stuffy banking world. The no-frills approach and straightforward features make it a great choice for those who just want a solid, reliable checking account. And let's talk about those ATM fees - zero, nada, zilch, gone! That's like finding a golden ticket in the chocolate factory of banking.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
As someone who moves a lot compared to most (I am a corporate trainer), I always try to find a bank available in all 50 states when I need to open a new account for expenses. Nationwide is available in 49 states, which is close enough for me. The main other pro for me is that there’s no minimum to start an account. However, the $5 monthly fee (while cheaper ...Show More
DK
Doutch K.
Nov 11, 2022
May or may not recommend
As a person who often lost his wallet I definitely like nationwide direct checking because the debit Card Replacement Fee is $0 and I didn't need deposit to open my account and not interest.
SS
Santosh S.
Oct 16, 2022
May or may not recommend
looking at he checking account and comparing with other checking accounts, I don't want to recommend Nationwide to my friends. There's no signup bonus in the current world of incentives. And, the bank doesn't have nationwide ATM or earns a interest rate. It will be high risk to open a account with Nationwide, as it's not FDIC insured. So, it's better to open an checking account with a accredited credit ...Show More
SG
Sara G.
Sep 27, 2022
May or may not recommend
As someone who moves a lot compared to most (I am a corporate trainer), I always try to find a bank available in all 50 states when I need to open a new account for expenses. Nationwide is available in 49 states, which is close enough for me. The main other pro for me is that there’s no minimum to start an account. However, the $5 monthly fee (while cheaper ...Show More
CU
Chinonyerem U.
Sep 18, 2022
May or may not recommend
I would recommend because the average ATM fee is $4.64, which means you can use ATMs up to six times a month before you surpass the reimbursement limit.
Also monthly service fee is $5 and this could be waived depending on how frequent you deposit money unlike some other banks that you must have a specific amount before it can be waived . So with all this I strongly recommend because I ...Show More
DR
Desmond R.
Jul 7, 2022
May or may not recommend
Even though nationwide offers no monthly fee, they do not offer a signup bonus, and you earn no interest. This card is mid-tier for someone who is looking to strictly looking to have a place to hold their money. But for someone looking for a better reward card this is far from that with no nationwide atm, and high transfer fees. This is not ideal.
U
Anonymous
Aug 20, 2020
May or may not recommend
They have a feature I don’t see very often! I linked my account to a direct payroll deposit, and because of that, I get to attain my salary early. Also, I’ve received monthly reimbursements, a maximum of $30. It’s from being charged a fee by other ATMs I’ve used outside their network.
Showing 9 of 9 reviews
