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Best Free Checking Accounts

There are now some great checking accounts with lots of free, convenient features that also have a good annual percentage yield (APY). All of the accounts listed here are FDIC insured with no monthly maintenance fees. That means direct deposits or a daily minimum balance are NOT required to avoid monthly maintenance fees. However, direct deposits or a daily minimum balance may be required to get a higher APY. You can review the bank links to see more account details.

Minimum APY Monthly Direct Deposit Minimum to Open

Check Writing

Early Paycheck

Mobile Check Deposit

Online Bill Pay

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Joint Accounts Pay Anyone
Bank APY with Direct Deposit APY without Direct Deposit Minimum Monthly
Direct Deposit
Early Paycheck? Online Bill Pay? Pay Anyone? Check Writing? Overdraft Fee Free Overdraft Protection Max
Climate First Choice 4.72% $1,000.00 Apply
Primis Premium 4.50% 4.50% Yes Yes Yes Yes $0.00 Apply
Wealthfront 4.50% 4.50% Yes One-time or recurring check No $0.00 Apply
elroy 4.25% 4.25% Yes Yes elroy to elroy $0.00 Apply
Paramount 3.25% 3.25% No Yes Apply
T-Mobile 2.50% 2.50% Yes Yes No Yes $0.00 $50.00 Apply
Customers 2.00% 1.00% $1.00 Apply
NBKC 1.75% 1.75% No Yes Yes $0.00 Apply
American Express 1.00% 1.00% No $0.00 Apply
Amalgamated 0.70% 0.70% Yes Zelle Yes $34.00 Apply
0.50% 0.50% $1.00 Yes Yes Yes Free $0.00 $50.00 Apply
Axos 0.40% 0.00% $1,500.00 Yes Yes $0.00 Apply
Grind24 0.25% 0.25% Yes $0.00 Apply
EverBank 0.25% 0.25% No Yes Zelle Yes $0.00 Apply
greenpenny 0.25% 0.25% Zelle Apply
FNBO Direct 0.15% 0.15% No Yes No Apply
0.10% 0.10% Yes Yes Zelle Free $0.00 $250.00 Apply
CapitalOne 0.10% 0.10% Yes Yes Zelle Yes $0.00 Apply
CIT 0.10% 0.10% No Zelle $0.00 Apply
Prime Alliance 0.05% 0.05% No Yes Free $30.00 Apply
Quontic 0.01% 0.01% No Yes Zelle $0.00 Apply
Laurel Road 0.01% 0.01% No Yes Zelle $20.00 $20.00 Apply
Industrial 0.01% 0.01% No Yes $33.00 Apply
M&F 0.01% 0.01% No Zelle $35.00 Apply
Salem Five 0.01% 0.01% No Yes $35.00 Apply
Yes One-time check Yes No $0.00 $200.00 Apply
Yes No Current to Current only No $0.00 $200.00 Apply
Yes One-time check Yes No $0.00 $200.00 Apply
Yes Yes $0.00 Apply
Albert Yes $0.00 Apply
Aspiration Yes $0.00 Apply
Credit Karma Yes Yes No No $0.00 Apply
Discover Yes Yes Zelle Yes $0.00 Apply
Greenwood Yes No No $0.00 Apply
Yes Yes No $0.00 Apply
Lending Club Yes Yes No $0.00 Apply
Robinhood Yes One-time check $0.00 Apply
Sesame Cash Yes $0.00 Apply
Huntington Asterisk-Free Yes Yes Zelle Yes $15.00 $50.00 Apply
Fifth Third Yes Yes Zelle Yes $37.00 $5.00 Apply
OneUnited Yes $37.00 Apply
Yes Yes Apply
Experian Smart Money Yes Apply
M1 Yes No No Apply
Oxygen Yes Apply
Yes Yes Yes Apply
Yes No Yes No Apply
Yes No Yes No Apply
Zynlo Yes Yes Yes No Apply
My Banking Direct No Yes Zelle Yes $0.00 Apply
BankPurely No Yes $0.00 Apply
Betterment No $0.00 Apply
iGObanking No Yes $0.00 Apply
MoCaFi No One-time check $0.00 Apply
Tab No $0.00 Apply
FNBO No Yes Free $20.00 $20.00 Apply
E*Trade No Yes Free $25.00 Apply
First Foundation No Yes Zelle Yes $35.00 Apply
CFG No Yes Zelle Yes Apply
CIBC USA No Free Apply
First Independence No Yes Apply
First Security No Apply



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