Last Updated: 01/21/2026
SuperMoney User Recommendation Score +80
Strongly recommended10 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 0.20%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
Disclaimer popup with additional information
Number of Reviews
Nationwide My Checking Review
The Nationwide My 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 My checking is available in 49 states and Washington, DC.
Key Takeaways
- Higher than average APY. Nationwide My Checking has an annual percentage yield of up to 0.20%, which is higher than the national average interest rate on savings accounts.
- 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.
- No ATM fees. Nationwide My Checking does not charge fees on ATM transactions .
- 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.
Nationwide My checking Pros & Cons
| Pros | Cons |
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Nationwide My checking FAQ
Are Nationwide My Checking deposits federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) through Axos Bank . The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Nationwide My checking offer?
Nationwide My checking offers an APY up to 0.20% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Nationwide My checking?
Nationwide My checking requires a minimum initial deposit of $100.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Nationwide My checking 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Nationwide My checking charge overdraft fees?
Yes, Nationwide My checking charges a $25 fee for every overdraft.What features and perks does Nationwide My checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - Nationwide My 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.
- Mobile Banking Services - Nationwide My 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 My checking?
The customer support email for Nationwide My checking is consumerprivacy@nationwide.com.
How do people rate the customer service and user experience of Nationwide My checking?
Overall, Nationwide My checking 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 My 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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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
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 +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
Nationwide My Checking Community Reviews
Would you recommend Nationwide My Checking to your friends?
Collins T.
Nov 15, 2023
May or may not recommend
I would give Nationwide My Checking a 4-star rating. The account offers no monthly maintenance fees, unlimited domestic ATM reimbursements, and no minimum balance requirement, which is a great benefit for customers. The mobile app is user-friendly and easy to navigate, and it offers fast and flexible payment options. However, the low APY on high-yield savings may be a drawback for some customers.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I would recommend this checking account by Nationwide. They require good credit ratings and give you lots of options
JH
Janis H.
Oct 5, 2022
May or may not recommend
I would recommend this checking account by Nationwide. They require good credit ratings and give you lots of options.
TH
Tamela H.
Sep 28, 2022
May or may not recommend
I highly recommend nationwide. I have been with them going on a year now and have no regrets. Before I have had numerous problems getting through to customer service, with Nationwide I get to speak with someone quicky. I couldn't ask for better banking and customer support.
Omar Pacifico C.
Jul 12, 2022
May or may not recommend
I had been looking for a good savings account for sometime. When I found Nationwide, and only thing i don't like is the prerecorded message always says that they are busy! But anyways interest on this account isn't amazing Since there aren't any costs to keeping this account open, money continually builds over time. I got my debt card and pin number quickly after opening the account.
Omar N.
Jul 1, 2022
May or may not recommend
I do recommend Nationwide to all. I have account since July 2021. The customer service is pretty helpful and always ready to assist. Pretty available everywhere which is a great side of the business.
SP
Sofia P.
Jun 30, 2022
May or may not recommend
They are up to date with other banks with the list of no extra fees but they still require a minimum. Nothing too crazy but still an outdated policy in my opinion. The app was very helpful.
SJ
Sachida J.
Jun 14, 2022
May or may not recommend
I have had Nationwide My Checking for about six months now, and I absolutely love it! The customer service has been amazing, and I have never had any issues with my account. The interest rate is great, and I have never been charged any fees. I would highly recommend this account to anyone!
TM
Tany M.
Sep 16, 2020
May or may not recommend
Nationwide my checking accounts seem to have both positive and negative sides. setting up and opening a new account is pretty easy and they seem to have a nice variety of services they provide with very low fees. I am however wary of their sometimes subpar customer service, especially with an extremely long wait for phone calls, and having to call severally to get one issue sorted out.
U
Anonymous
Aug 20, 2020
May or may not recommend
I’ve opened an account with $100, which their minimum initial deposit. Nationwide doesn’t charge you a monthly maintenance fee, or additional fees for using a different ATM from their network. I can also effortlessly check my transactions through my phone. This keeps me updated without having to go to the trouble of visiting a bank or going out in general.
Showing 10 of 10 reviews
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