Banks and Credit Unions That Offer Free Checking Accounts

Stop paying fees with your hard-earned money — open a free, online checking account today.

Whether you’re looking for your first checking account or want to switch to a different one, the number of choices can be overwhelming. Start by looking for a free checking account. Free checking accounts are a great deal — and they come in various forms.

Here are the five main types of free checking accounts:

  • $0 monthly fee with no minimum balance and no minimum deposit requirements
  • $0 monthly fee with an opening deposit requirement
  • $0 monthly fee with a balance requirement
  • $0 monthly fee with age requirement
  • $0 monthly fee with direct deposit, military affiliation, bank relationship or another requirement

Depending on your specific needs, one of these types of free checking accounts might be better for your needs than another. Take a closer look at each of the five types of free bank accounts, and find the best credit unions and banks for free checking accounts.

Free Checking Accounts With No Minimum Balance and No Minimum Deposit

A checking account with no fees, no minimum balance and no minimum opening deposit is a truly free bank account. In addition having all those features, the Schwab Bank High Yield Investor Checking Account offers free bill pay, standard checks and a Schwab Bank Visa Platinum debit card — on top of paying 0.15% APY on your account balance. Other institutions, such as Ally Bank, offer 24/7 live customer service and an even higher rate of 0.60% APY on balances above $15,000.

Typically, you can find a fee-free account at a credit union or online bank. Some national banks, however, offer accounts that make the list, including First National Bank’s First National Checking and Huntington National Bank’s Asterisk-Free Checking.

Here are free checking accounts that don’t require a minimum opening deposit or minimum balance:

Free Checking Accounts With No Minimum Balance and No Minimum Deposit Requirements
BankChecking AccountMonthly FeeHow to Apply
Alliant Credit UnionAlliant Credit UnionFree Checking$0Learn More
Ally logo 2017Ally BankInterest Checking$0Learn More
American Airlines CU logo 2017American Airlines Credit UnionuChecking$0Learn More
Aspiration Bank logo 2017AspirationSummit Account$0Learn More
Bank Fund Staff FCU logo 2017Bank Fund Staff Federal Credit UnionChecking$0Learn More
BankofInternetUSA logo 2017 iconBank of Internet USAEssential Checking$0Learn More
Capital OneCapital One Bank (USA)360 Checking$0Learn More
Charles Schwab logo 2017Charles Schwab BankHigh Yield Investor Checking$0Learn More
DiscoverDiscover BankCashback Checking$0Learn More
Eastman Credit Union logo 2017Eastman Credit UnionBeyond Free Checking Account$0Learn More
FirstNationalBankOmaha logo 2017 iconFirst National BankFirst National Checking$0Learn More
Golden1 Credit UnionFree Checking$0Learn More
Hanscom Federal Credit UnionFree Checking$0Learn More
Huntington Bank logo 2017Huntington National BankAsterisk-Free Checking$0Learn More
Illinois Community CU logo 2017Illinois Community Credit UnionFree Checking$0Learn More
Langley FCU logo 2017Langley Federal Credit UnionSmart Checking$0Learn More
Mountain America Credit Union logo 2017Mountain America Credit UnionMyFree Checking$0Learn More
Navy FCU logo 2017Navy Federal Credit UnionFree EveryDay Checking$0Learn More
Orange Countys CU logo 2017Orange County’s Credit UnionBetter Than Free Checking$0Learn More
Randolph-Brooks Federal Credit Union logo 2017Randolph-Brooks Federal Credit UnionReally Free Checking$0Learn More
Silver State Schools CU logo 2017Silver State Schools Credit UnionMYAccount Checking$0Learn More
Silver State Schools CU logo 2017Silver State Schools Credit Unione-Checking$0Learn More
Simple logo 2017Simple BankSimple Checking$0Learn More
Teachers Federal Credit Union logo 2017Teachers Federal Credit UnionFree Checking$0Learn More
Tinker Federal Credit Union logo 2017Tinker Federal Credit UnionHeritage Checking$0Learn More
Utah First CU logo 2017Utah First Federal Credit UnionFree Checking$0Learn More

Related: 13 Banks Offering Free Checking With No Minimum Balance

Free Checking Accounts With Opening Deposit Requirements

Some banks require a minimum deposit to open a checking account but charge no monthly maintenance fees. In many cases, the opening deposit requirement is minimal — for example, ESL Federal Credit Union’s Free Checking Account requires only $1 to open. Many other accounts, including Nationwide Bank’s Member Checking, First Bank’s Student Checking Account and San Diego County Credit Union’s Free Checking require only a $25 opening deposit.

Keep Reading: 8 Free Checking Accounts With No Minimum Deposit

Because you’ll likely want to make a deposit when you open your account anyway, $25 or less is a low minimum to earn free checking. Some accounts do charge much higher minimum opening deposits, however, like EverBank’s Yield Pledge Checking, which requires $5,000.

None of the accounts in the following table require a minimum monthly balance after you make the initial minimum opening deposit. Here are free checking accounts with opening deposit requirements:

Free Checking Accounts With Opening Deposit Requirements
BankChecking AccountMin. Opening Deposit Required for $0 Monthly FeeHow to Apply
AloStar logo 2017AloStar Bank of CommercePersonal Checking$100Learn More
Arvest Logo 2017Arvest BankFree Blue Checking$50Learn More
Bank5 logo 2017Bank5 ConnectHigh Interest Checking$10Learn More
Bank of Hawaii logo 2017Bank of HawaiiEASE by Bank of Hawaii$25Learn More
BankDirect logo 2017BankDirectSmart Checking$100Learn More
BBVA logo 2017BBVA Compass BankFree Checking$25Learn More
BMO logo 2017BMO Harris BankSmart Advantage Account$25 and use eStatementsLearn More
Citizens Equity First Credit Union logo 2017Citizens Equity First Credit UnionChecking$25Learn More
Colonial Bank logo 2017Colonial BankColonial Free$100Learn More
Commerce Bank logo 2017Commerce BankStudent Checking$100 and keep account activeLearn More
Credit Human logo 2017Credit HumanFree Checking$25Learn More
Credit Human logo 2017Credit HumanMy Generation Checking$25Learn More
Credit Union of Georgia logo 2017Credit Union of GeorgiaClassic Checking$25Learn More
dfcu financial logo 2017DFCU FinancialFree Checking$20Learn More
E-TradeE*TRADE BankE*TRADE Checking$100Learn More
ESL Federal Credit Union logo 2017ESL Federal Credit UnionFree Checking$1Learn More
EverBank logo 2017EverBankYield Pledge Checking$5,000Learn More
east west bank logoEast West BankEWB Senior Checking$100Learn More
 east west bank logoEast West BankStudent Plus Checking$100Learn More
First Bank logo 2017First BankStudent Checking$25 and use eStatementsLearn More
First Fidelity Bank logo 2017First Fidelity BankFreestyle Checking$100Learn More
FirstInternetFirst Internet BankFree Checking$25Learn More
First Citizens logo 2017First-Citizens Bank & Trust CompanyFree Checking$50Learn More
fnbo direct logoFNBO DirectOnline Checking$1Learn More
Great Western logo 2017Great Western BankFree Checking$50Learn More
KeyBankKeyBankHassle-Free Checking$10Learn More
KeyBankKeyBankKey Express Checking Account$50 and $500 in depositsLearn More
Nationwide logo 2017Nationwide BankMember Checking$25Learn More
New York Community Bank logo 2017New York Community BankMy Community Free Checking$1Learn More
Oklahoma Central logo 2017Oklahoma Central Credit UnionCarefree Checking$25Learn More
Old National Bank logo 2017Old National BankONB Student Checking$0Learn More
Prosperity Bank logo 2017Prosperity BankSimply Free Checking$100Learn More
San Diego County Credit Union logo 2017San Diego County Credit UnionFree Checking$25Learn More
Santander2SantanderStudent Value Checking$10Learn More
schoolsfirst logoSchoolsFirst Federal Credit UnionFree Checking$25Learn More
Scottrade Bank logo 2017Scottrade BankNo-Interest Checking$100Learn More
Scottrade Bank logo 2017Scottrade BankInterest Checking$100Learn More
Space Coast Credit Union logo 2017Space Coast Credit UnionFree Checking$25Learn More
Star One Credit Union logo 2017Star One Credit UnionFree Checking$25Learn More
State Farm logo 2017State Farm BankChecking Account$25Learn More
SynovusSynovus BankStudent Checking$100 and enroll in online and mobile banking and paperless statementsLearn More
tcf bank logo 2017TCF BankTCF Free Checking$25Learn More
Texas Capital Bank logo 2017Texas Capital BankSmart Checking$100Learn More
Dime logo 2017The Dime Savings Bank of New YorkPerfectly Free Checking$25Learn More
 Dime logo 2017The Dime Savings Bank of New YorkDirect Interest Checking$25Learn More
TIAA logo 2017TIAA DirectInterest Checking$100Learn More
Tinker Federal Credit Union logo 2017Tinker Federal Credit UnionClassic Checking$25Learn More
Tower Federal Credit Union logo 2017Tower Federal Credit UnionRegular Checking$10Learn More
Umpqua Bank logo 2017Umpqua BankEmbark Checking$25Learn More
US Bank logo 2017U.S. BankStudent Checking$25Learn More
USAA logo 2017USAA Federal Savings BankUSAA Secure Checking$25Learn More
Washington Federal logo 2017Washington FederalBasic Checking$100Learn More
Wells Fargo logo 2017Wells Fargo BankTeen Checking$25 and use online statementsLearn More

Find Out: 11 Must-Have Features All the Best Bank Accounts Offer

Free Checking Accounts With Balance Requirements

Sometimes a bank account is free of maintenance charges only when you consistently keep a minimum amount of money in it. Most of these accounts also require a minimum opening deposit.

In many cases, these requirements can be minimal. For example, Astoria Bank’s Simple Checking requires you to make a $25 opening deposit and maintain a balance of $250 to earn free checking.

In some cases, however, the requirements can be quite high. For instance, Citibank requires an average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts to waive the fee on its Citigold checking account. And San Diego County Credit Union requires a $5,000 minimum deposit and a $25,000 average balance for fee-free access to its High-Yield Checking Account.

Here are free checking accounts with minimum balance requirements:

Free Checking Accounts With Balance Requirements
BankChecking AccountMin. Deposit RequiredMin. Balance Required for $0 Monthly FeeHow to Apply
Associated Bank logo 2017Associated BankAssociated Checking$100$1,000 daily balance or $2,500 in combined balancesLearn More
 Associated Bank logo 2017Associated BankAssociated Elite Checking$100$10,000 combined balancesLearn More
 Astoria Bank logo 2017Astoria BankSimple Checking$25$250 average monthly balanceLearn More
 Astoria Bank logo 2017Astoria BankSimple+ Checking$100$2,500 average monthly balance or $10,000 balance in linked Astoria deposit accountsLearn More
 Astoria Bank logo 2017Astoria BankSelect Checking$100$25,000 in linked Astoria deposit accountsLearn More
 BanCorpSouth Bank logo 2017BancorpSouth BankMy Way Checking$50$100 daily balanceLearn More
 BanCorpSouth Bank logo 2017BancorpSouth BankPerformance Checking$50$1,000 daily balanceLearn More
 BanCorpSouth Bank logo 2017BancorpSouth BankInterest Plus Checking$1,000$1,000 daily balanceLearn More
 BanCorpSouth Bank logo 2017BancorpSouth BankHeritage Checking$50$500 daily balanceLearn More
 BofABank of AmericaCore Checking$25$1,500 daily balance of $1,500Learn More
 BofABank of AmericaInterest Checking$100$10,000 in combined balancesLearn More
 BankUnitedValue Checking$50$500 average monthly balance of $500Learn More
 BankUnitedRelationship Checking$100$5,000 daily balance or $15,000 average daily balance in combined accounts or loansLearn More
 BankUnitedRelationship Checking$2,500$2,500 daily balanceLearn More
 BMO logo 2017BMO Harris BankPremier Account$25$25,000 daily balance or $50,000 in combined balancesLearn More
 11-BB&TBB&TBB&T Bright Banking$50$1,500 average balanceLearn More
 11-BB&TBB&TSenior Checking$100$500 combined direct deposit or $1,000 average balanceLearn More
 11-BB&TBB&TElite Gold Checking$100$25,000 combined personal deposit or investment balanceLearn More
 ChaseChase BankTotal Checking$25$1,500 at the beginning of each day of at least or $5,000 average beginning day balance in total combined accountsLearn More
 ChaseChase BankPremier Plus Checking$25$15,000 average beginning day balance in total combined accountsLearn More
 ChaseChase BankPremier Platinum Checking$100$75,000 average beginning day balance in total combined accountsLearn More
 Citi logo 2017CitibankBasic Checking$0$1,500 combined average monthly balance in linked accountsLearn More
 Citi logo 2017CitibankAffordable Access Banking$0$1,500 combined average monthly balance in linked accountsLearn More
 Citi logo 2017CitibankFull-Feature Relationship Checking$0$10,000 combined monthly balanceLearn More
 Citi logo 2017CitibankPriority Banking$0$50,000 combined average monthly balanceLearn More
 Citi logo 2017CitibankCitigold$0$200,000 average monthly balanceLearn More
 Colonial Bank logo 2017Colonial BankCash-In Account$100$500Learn More
 Comerica Bank logo 2017Comerica BankAccess Checking$50$1,000Learn More
 Comerica Bank logo 2017Comerica BankRich Rewards Checking$50$5,000 account balance or $7,500 in combined balancesLearn More
 Comerica Bank logo 2017Comerica BankPremier Checking$50$7,500 account balance or $20,000 in combined balancesLearn More
 Comerica Bank logo 2017Comerica BankComerica Platinum Circle Checking$50$0Learn More
 Commerce Bank logo 2017Commerce BankInterest Checking$100$1,000 daily balanceLearn More
 Commerce Bank logo 2017Commerce BankRelationship Checking$100$5,000 average daily balance or $15,000 in combined deposit balancesLearn More
 dfcu financial logo 2017DFCU FinancialInterest Checking Plus$20$10,000 minimum average daily balanceLearn More
 east west bank logoEast West BankEWB Value Checking$100$1,500 monthly average balance of $1,500 or $5,000 combined average monthly balanceLearn More
 east west bank logoEast West BankEWB Premier Checking$100$2,500 monthly average balance or $10,000 combined average monthly balanceLearn More
 east west bank logoEast West BankEWB Premier Checking$10,000$2,500 daily balance or $10,000 combined balance in deposit accountsLearn More
 Fifth Third logo 2017Fifth Third BankEssential Checking$0$1,500 combined monthly average balanceLearn More
 Fifth Third logo 2017Fifth Third BankEnhanced Checking$0$20,000 combined total balanceLearn More
 Fifth Third logo 2017Fifth Third BankPreferred Checking$0$100,000 combined total balanceLearn More
First Bank logo 2017First BankFirst Choice Checking$100$0 with 5 or more debit card purchases or direct deposits totaling $500 or more or an average account balance of $1,500Learn More
First Bank logo 2017First BankFirst Plus Checking$100$20,000 combined personal deposit and/or consumer loan account balancesLearn More
First Bank logo 2017First BankFirst Premier Checking$100$100,000 combined personal deposit and or consumer loan balancesLearn More
First Bank logo 2017First BankLegacy Checking$100$5,000 balance in combined personal deposits during a monthly statement periodLearn More
 First Republic Bank logo 2017First Republic BankClassic Checking$500$2,500 average balanceLearn More
 First Republic Bank logo 2017First Republic BankATM Rebate Checking$500$3,500 average balanceLearn More
 First Citizens logo 2017First-Citizens Bank & Trust CompanySelect Checking$50$1,500 average daily balanceLearn More
 Great Western logo 2017Great Western BankPerformance Checking$50$1,000Learn More
 MB Financial logo 2017MB Financial BankMB Classic Checking$50$3,000 average balance of $3,000Learn More
 MB Financial logo 2017MB Financial BankSignature Checking$50$5,000 average daily balance of $5,000 or $15,000 average monthly balance in related accounts or $25,000 combined related deposit and home equity/loan balancesLearn More
 MB Financial logo 2017MB Financial BankHigh Five Checking$50$250 average daily balance of $250Learn More
 MB Financial logo 2017MB Financial BankRed Checking$50$2,000 monthly average balanceLearn More
 New York Community Bank logo 2017New York Community BankMy Community Interest Checking$100$500 daily balanceLearn More
 Oklahoma Central logo 2017Oklahoma Central Credit UnionSmart Relationship$25$5,000 daily balanceLearn More
 Old National Bank logo 2017Old National BankONB Everyday Checking$50$750 in account or $1,500 in combined balancesLearn More
 Old National Bank logo 2017Old National BankONB Preferred Checking$0$5,000 in account or $25,000 combined balanceLearn More
 Old National Bank logo 2017Old National BankONB Classic Checking$0$750 in account or $5,000 combined balanceLearn More
 Peoples United Bank logo 2017People’s United BankPlus Checking$25$1,000 daily balanceLearn More
 PNCPNC BankStandard Checking$25$500 average monthly balanceLearn More
 Prosperity Bank logo 2017Prosperity BankPersonal Checking$100$500Learn More
 Rabobank logo 2017RabobankOption Checking$100$1,000 average collected balanceLearn More
 Rabobank logo 2017RabobankRewards Banking Checking$100$2,500 average monthly balanceLearn More
Regions logo 2017Regions BankLifeGreen Checking Account$50$1,500 average monthly balanceLearn More
San Diego County Credit Union logo 2017San Diego County Credit UnionClassic Checking$25$1,000 average daily balanceLearn More
San Diego County Credit Union logo 2017San Diego County Credit UnionHigh-Yield Checking$5,000$25,000+ average daily balanceLearn More
 Security Service Federal Credit UnionSecurity Service Federal Credit UnionPower Protected Checking$0$50,000 monthly average balanceLearn More
 schoolsfirst logoSchoolsFirst Federal Credit UnionInvestment Checking$25$1,000 combined daily balance and $1 direct depositLearn More
Space Coast Credit Union logo 2017Space Coast Credit UnionInterest Checking$25$1,500 daily balanceLearn More
Star One Credit Union logo 2017Star One Credit UnionRewards Checking$25$5,000 deposit or loan balancesLearn More
Summit Bank logo 2017Summit BankPersonal Checking$1,000$1,000 daily collected balance or $1,500 average collected balancesLearn More
SunTrustSunTrust BankEssential Checking$100$0 with a min of 10 banking transactions per statement cycle or $500 or more in total qualifying monthly direct deposits or $500 min daily balanceLearn More
SunTrustSunTrust BankSelect Checking$100$2,000 daily account balance or $10,000 in total relationship balancesLearn More
SunTrustSunTrust BankSignature Advantage$100$25,000 daily balanceLearn More
SynovusSynovus BankAccess Checking$100$1,000 average daily balanceLearn More
SynovusSynovus BankPreferred Account$100$5,000 daily balance or $15,000 average daily balance in combined accountsLearn More
SynovusSynovus BankGold Checking$100$1,000 average daily balanceLearn More
tcf bank logo 2017TCF BankTCF Premier Checking$500$2,500Learn More
TD Bank logo 2017TD BankTD Premier$0$2,500 daily balanceLearn More
TD Bank logo 2017TD BankTD Convenience$0$100 daily balanceLearn More
Texas Capital Bank logo 2017Texas Capital BankCapital Checking$100$1,500 monthly average balanceLearn More
Texas Capital Bank logo 2017Texas Capital BankCapital Interest Checking$100 $2,500 monthly average balanceLearn More
Texas Capital Bank logo 2017Texas Capital BankConsumer Savings$100$500 daily ledger balanceLearn More
Umpqua Bank logo 2017Umpqua BankAchieve Checking$200$3,000 daily balanceLearn More
Umpqua Bank logo 2017Umpqua BankAttain Checking$200$15,000 daily balanceLearn More
UMBUMB BankUMB Convenience Checking$100$500 average daily balanceLearn More
UMBUMB BankUMB Value Checking$100$1,500 average daily collected balance or $3,000 in combined deposit balancesLearn More
UMBUMB BankUMB Select Checking$1,000$5,000 average daily balance or $15,000 in combined deposit balances or $25,000 in combined deposit and loan balancesLearn More
Union Bank logo 2017Union BankReady to Go Checking$100$1,500 average monthly balance or $5,000 monthly combined balance in linked deposit accountsLearn More
Union Bank logo 2017Union BankPriority Banking Checking$1,000$50,000 in combined balances with MUFG Union Bank and/or its investment subsidiaries or a Union Bank mortgageLearn More
US Bank logo 2017U.S. BankPremium Checking$25$5,000 average account balanceLearn More
US Bank logo 2017U.S. BankEasy Checking$25$1,500 average account balanceLearn More
Washington Federal logo 2017Washington FederalStellar Plus$100$20,000 balanceLearn More
Wells Fargo logo 2017Wells Fargo BankEveryday Checking$25$1,500 daily balanceLearn More
Wells Fargo logo 2017Wells Fargo BankPreferred Checking$25$10,000 combined deposit balancesLearn More
Wells Fargo logo 2017Wells Fargo BankPortfolio by Wells Fargo$25$0 with $25,000 in deposits or $50,000 in linked balancesLearn More
Wells Fargo logo 2017Wells Fargo BankOpportunity Checking$25$1,500 daily balanceLearn More

Free Checking Accounts With Age Requirements

If you’re an older or younger account holder, your age can score you a free checking account. For example, BMO Harris Bank offers a fee-free Smart Money Account to customers under age 25, and Fifth Third Bank offers a Student Banking Account that’s free if you’re at least 16 years old and have a valid student ID.

On the other end of the spectrum, MB Financial Bank’s Senior Checking is fee-free if you’re 60 or older and make five payment transactions each month. Regions Bank has a 62+ Checking Account that’s fee-free if you’re 62 or older, provided you maintain a $1,500 balance or set up a single ACH deposit of $300 or a total monthly ACH transfer of $1,000 or more.

Don’t Miss: 10 Best Checking Accounts for Retirees

Here are free checking accounts with age requirements:

Free Checking Accounts With Age Requirements
BankChecking AccountMin. Deposit RequiredAge Requirement for $0 Monthly FeeHow to Apply
 Associated Bank logo 2017Associated BankAssociated Checking$100Under the age of 24 and use eStatementsLearn More
 BanCorpSouth Bank logo 2017BancorpSouth BankStudent Checking$50Up to age 24 with valid student IDLearn More
 11-BB&TBB&TStudent Checking$0Student under age 24Learn More
BMO logo 2017BMO Harris BankSmart Money Account$25Under age 25Learn More
 Fifth Third logo 2017Fifth Third BankStudent Banking$0At least 16 years old with valid student IDLearn More
 MB Financial logo 2017MB Financial BankSenior Checking$50Age 60 or older plus make 5 payment transactions each monthLearn More
 Regions logo 2017Regions Bank62+ Checking$50Age 62 or order plus $1,500 average monthly balance or ACH direct deposit of at least $500 single or $1,000 combinedLearn More
 Regions logo 2017Regions BankChecking Account for Students$50Age 25 or youngerLearn More
 Union Bank logo 2017Union BankTeen Access Checking Account$100Age 13 to 17Learn More
 Citi logo 2017CitibankBasic Checking$0Age 62 or olderLearn More
 Peoples United Bank logo 2017People’s United BankPlus Checking$25Age 65 or olderLearn More
 PNCPNC BankStandard Checking$25Age 62 or olderLearn More
 OneWest Bank logo 2017OneWest BankPersonal Checking$25Older than 55 or younger than 18 plus $1,000 average monthly balance and use eStatementsLearn More
 UMBUMB BankUMB Value Checking$100Student under age 25Learn More
US Bank logo 2017U.S. BankPremium Checking$25Age 65 or olderLearn More

Free Checking Accounts With Direct Deposit, Military Affiliation, Bank Relationship or Other Requirements

If you’re in the military, you can save on checking account fees. Synovus, for instance, offers a military checking account with a $100 minimum opening deposit and no fees as long as you set up a monthly direct deposit of at least $1 from your Defense Finance and Account Services paycheck. Fifth Third Bank also has a military checking account with no fees if you maintain a $1,500 balance across qualifying accounts at the bank or have monthly direct deposits totaling $500 or more.

If you’re not in the military, direct deposits can still get you free checking at numerous institutions, including Citizens Bank’s One Deposit Checking, Union Bank’s Banking By Design account or Great Western Bank’s VIP Free Interest Checking.

Sometimes, a banking relationship is all you need to score free checking. U.S. Bank’s Gold Checking Account is fee-free if you have an open U.S. Bank personal loan, credit line or credit card. Regions Bank’s LifeGreen eAccess Account is an online bank account that’s free if you make at least 10 Regions CheckCard and/or credit card purchases per month.

Here are checking accounts that are free with direct deposit, a military or other relationship, or some other type of requirement:

Free Checking Accounts With Direct Deposit or Military or Relationship Requirements
BankChecking AccountMin. Deposit RequiredMonthly Min. Direct Deposit or Other Requirement for $0 Monthly FeeHow to Apply
 Associated Bank logo 2017Associated BankAssociated Checking$100$500 total in direct depositsLearn More
 BanCorpSouth Bank logo 2017BancorpSouth BankMy Way Checking$50$100 total in direct depositsLearn More
 BofABank of AmericaCore Checking$251 qualifying direct deposit of $250Learn More
 11-BB&TBB&TBB&T Bright Banking$50$500 total in direct depositsLearn More
 ChaseChase BankTotal Checking$25$500 total in direct depositsLearn More
 ChaseChase BankPremier Plus Checking$25Qualifying linked Chase first mortgage enrolled in auto paymentsLearn More
 Citi logo 2017CitibankAffordable Access Banking$01 qualifying direct deposit per month or bill paymentLearn More
 Citi logo 2017CitibankBasic Checking$01 qualifying direct deposit and 1 qualifying bill payment per monthLearn More
 Citizens Bank logo 2017Citizens BankOne Deposit Checking$01 deposit each statement periodLearn More
 Colonial Bank logo 2017Colonial BankCash-in Account$100$0.01 in direct depositsLearn More
 Commerce Bank logo 2017Commerce BankBasic Checking$1001 direct deposit of $300Learn More
 Commerce Bank logo 2017Commerce BankInterest Checking$1001 direct deposit of $500Learn More
 Fifth Third logo 2017Fifth Third BankEssential Checking$0$500 on a Fifth Third credit card or have any existing Fifth Third personal mortgage, etc.Learn More
 Fifth Third logo 2017Fifth Third BankEnhanced Checking$0$5,000 total in direct depositsLearn More
 Fifth Third logo 2017Fifth Third BankMilitary Banking$0$500 total in direct depositsLearn More
 First Bank logo 2017First BankFirst Premier Checking$100$100,000 combined personal deposit and or consumer loan balances or a relationship with First Bank Wealth ManagementLearn More
 First Citizens logo 2017First-Citizens Bank & Trust CompanySelect Checking$50$0.01 in direct depositsLearn More
 Great Western logo 2017Great Western BankVIP Free Interest Checking$50$0.01 in direct depositsLearn More
 MB Financial logo 2017MB Financial BankMB Classic Checking$50$500 total in deposits totaling or complete 10 payment transactionsLearn More
 MB Financial logo 2017MB Financial BankSignature Checking$50$25,000 in combined related deposit and home equity/loan balancesLearn More
 MB Financial logo 2017MB Financial BankHigh Five Checking$50$100 total in deposits or have a parent or guardian as a joint owner who also has an open MB personal checking with a balance of $1 or moreLearn More
 Old National Bank logo 2017Old National BankONB Everyday Checking$50$500 total in direct deposits or be an active member of US militaryLearn More
 Peoples United Bank logo 2017People’s United BankPlus Checking$251 qualifying direct deposit per monthLearn More
 PNCPNC BankStandard Checking$25$500 total in qualifying direct depositsLearn More
 Rabobank logo 2017RabobankOption Checking$1001 direct deposit greater than $500Learn More
 Regions logo 2017Regions BankeAccess Account$50Any combination of at least 10 Regions CheckCard and/or credit card purchasesLearn More
 Regions logo 2017Regions BankLifeGreen Checking Account$50$500 single or $1,000 combined ACH direct depositsLearn More
 San Diego County Credit Union logo 2017San Diego County Credit UnionClassic Checking$251 qualifying direct depositLearn More
 Santander2Santander BankSimply Right Checking$25Any deposit, withdrawal, transfer, or payment that is posted during the calendar monthLearn More
 schoolsfirst logoSchoolsFirst Federal Credit UnionInvestment Checking$25$1 direct deposit and $1,000 combined daily balanceLearn More
Star One Credit Union logo 2017Star One Credit UnionRewards Checking$25$300 direct depositLearn More
 State Farm logo 2017State Farm BankInterest Checking$100$0.01 in direct depositsLearn More
 SunTrustSunTrust BankSelect Checking$100$2,000 total in direct deposits or $10,000 in total relationship balancesLearn More
 SynovusSynovus BankAccess Checking$100$500 total in direct depositsLearn More
 SynovusSynovus BankGold Checking$100$500 total in direct depositsLearn More
 SynovusSynovus BankMilitary Checking$100$1 monthly direct deposit from your Defense Finance and Account Services paycheckLearn More
 UMBUMB BankUMB Convenience Checking$1001 automatic transfer of $50 to a linked savings accountLearn More
 UMBUMB BankUMB Value Checking$1001 direct deposit of $250Learn More
 Union Bank logo 2017Union BankBanking By Design$1001 direct deposit or mobile check deposit of $250 or moreLearn More
 Union Bank logo 2017Union BankReady to Go Checking$100$500 total in direct depositsLearn More
 Union Bank logo 2017Union BankPriority Banking Checking$1,000$50,000 in combined balances with MUFG Union Bank and/or its investment subsidiaries or a Union Bank mortgageLearn More
 US Bank logo 2017U.S. BankGold Checking$25Any open U.S. Bank personal loan, line or credit cardLearn More
 US Bank logo 2017U.S. BankPlatinum Checking$25$25,000 in combined personal U.S. Bank deposits, investment, and/or outstanding U.S. Bank Personal loan, line or credit card balances; or a personal trust relationship with U.S. Bank Wealth ManagementLearn More
 US Bank logo 2017U.S. BankSilver Checking$25$1,000 total in direct deposits plus a package money market savings accountLearn More
 US Bank logo 2017U.S. BankEasy Checking$25$1,000 total in direct depositsLearn More
 Webster BankWebster BankWebster eChecking$501 direct deposit of at least $500 or use 5 or fewer paper checksLearn More
 Wells Fargo logo 2017Wells Fargo BankEveryday Checking$25$500 total in direct deposits or 10 posted debit card purchases/paymentsLearn More
 Wells Fargo logo 2017Wells Fargo BankPreferred Checking$25$1,000 total in qualifying direct deposits or a linked Wells Fargo mortgageLearn More
 Wells Fargo logo 2017Wells Fargo BankOpportunity Checking$25$500 total in direct deposits or 10 posted debit card transactionsLearn More

Many of these accounts don’t require a minimum balance as long as the other requirements are met. Check with the financial institution to verify all the requirements before you apply.

Find Out: 12 Banking Fees You Should Never Pay

Using any of a number of ways, you can get a free checking account with interest, no fees, mobile banking and online banking services. The best bank for you is the one that offers no fees, and checking qualification parameters that apply to you and work for your overall financial plan. Before you apply for a free checking account, verify all requirements and minimums, which are subject to change, to avoid being subject to any fees.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the insurers’ discretion, and some bonus offers might no longer be available on the insurers’ websites, depending on how you access the web page.