Last Updated: 01/21/2026
SuperMoney User Recommendation Score +75
Strongly recommended8 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)
Up to 0.10%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
Disclaimer popup with additional information
Number of Reviews
Nationwide Interest Checking Review
The Nationwide Interest Checking is offered through Nationwide, a financial services company founded in 1926 and based in Columbus, OH. It is made possible by a bank partnership with Axos Bank. Nationwide checking account is available in 49 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.10% .
- Supports joint accounts. This allows two people to have equal authority over the management of an account.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- 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 checking account Pros & Cons
| Pros | Cons |
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Nationwide checking account FAQ
Are Nationwide Interest Checking deposits 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 up to 0.10% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Nationwide checking account?
Nationwide checking account requires a minimum initial deposit of $100.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 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 rebates - This account will reimburse you for 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.
- 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 checking account 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 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 checking account
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)
0%
Disclaimer popup with additional information
Monthly Service Fee
$5
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 +75, or 4.5 on a 5-point rating scale.
+75
-1000+100
No one recommends
Everyone recommends
Nationwide Interest Checking Community Reviews
Would you recommend Nationwide Interest Checking to your friends?
Jenny F.
Dec 21, 2023
May or may not recommend
Nationwide Interest Checking - Balancing Benefits and Considerations
As a user of Nationwide Interest Checking, here's a concise review:
Competitive Interest Rates: Grow savings with attractive rates.
No Monthly Fees: Cost-effective banking with no maintenance fees.
ATM Fee Reimbursement: Convenient access to ATMs without extra charges.
Mobile Banking Features: Efficient account management via a user-friendly app.
Overdraft Protection Options: Flexible solutions for peace of mind.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I've opening an account with $100 and the best thing is that i can tracking my interest by my phone and that's really surprise me.
GM
Gabriel M.
Jul 22, 2022
May or may not recommend
I've opening an account with $100 and the best thing is that i can tracking my interest by my phone and that's really surprise me.
RF
Ross F.
May 10, 2022
May or may not recommend
Opening the account is easy as you only need $100. I like that the account gains interest as I want my money to earn and not just sit in an account earning nothing. I do hope they become FDIC insured soon but so far there have been no issues.
AH
Ashley H.
May 8, 2022
May or may not recommend
I have never had a problem, but i know others that have. It is really easy to sign up, you only need a 100 to open it and the card will be sent within ten days, and there's no monthly fees to keep it active. The interest isn't great, but definitely helps. The site is simple to use, and easy to check the account, transfer money, and set up paying ...Show More
SH
Steven H.
May 4, 2022
May or may not recommend
Overall a solid checking account. We all love getting interest on our money, but the only reason why I don't love it is because it's not FDIC-insured. If something bad ever happens to this company I would rather not have any money in this account.
RC
Raphael C.
Nov 11, 2020
May or may not recommend
With a minimum of $100 I was able to open an interest bearing account through Axos Bank; it doesn’t require a minimum balance or monthly maintenance fee. I was able to keep a high balance and with the bank’s tiered rates approach I got a full 0.4% APY. It’s amazing, I strongly recommend.
U
Anonymous
Aug 20, 2020
May or may not recommend
I’ve opened an account with $100, their minimum initial deposit. I’ve been collecting interest already, which is excellent! I can easily keep track of my funds through my phone. Another convenient feature I’ve been benefiting from is paying bills through the platform with no additional charges.
Showing 8 of 8 reviews
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