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Nationwide Interest Checking

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Nationwide Interest Checking

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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
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.1% - 0.4%

Nationwide Interest Checking Review

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

Key Takeaways
  • Higher than average APY. Nationwide Interest Checking has an annual percentage yield of up to 0.4%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $0.01.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • 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 checking account Pros & Cons
Pros Cons
  • Available in 49 states.
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
Nationwide checking account 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 checking account offer?

Nationwide checking account offers an APY starting at 0.1% and ranging up to 0.4% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $0.01.

Nationwide checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.1% - 0.4%

What are the account minimums for Nationwide checking account?

Nationwide checking account requires a minimum initial deposit of $100 to open an account.

Nationwide Interest Checking Minimums
Description
APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Nationwide checking account charge?

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

Nationwide Interest 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
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 checking account charge overdraft fees?

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

What features and perks does Nationwide checking account 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 checking account 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 checking account 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 checking account?

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

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

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

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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 Interest Checking

Interest Checking, This account is the perfect fit for members who want interest earnings from their checking funds. As a digital bank, we have lower overhead costs than our brick-and-mortar counterparts. This means we can offer competitive rates to help you gain the most value from your account. Get paid up to two days early, take advantage of no monthly maintenance fees, and enjoy up to $30.00 domestic ATM fees reimbursed 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

APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Monthly 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%
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
  • Branch Access
  • Get Paid Early
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Fraud Monitoring
  • Mobile Banking
  • ATM Reimbursement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.1% - 0.4%

Nationwide Interest 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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