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Free Checking Accounts Without Direct Deposit
Banking doesn’t have to be expensive. Here’s a list of good free checking accounts that don’t have exorbitant fees or high balance requirements.
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Open a new BMO Harris Smart Advantage™ account online and earn a $200 cash bonus when you make at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available to existing BMO Harris Personal Checking customers (including co-signers on joint accounts) or those who have closed a BMO Harris Personal Checking account within the last 12 months. Terms apply.
Fortunately, these free checking accounts allow you to bank for free with no minimum balance.
Whether you’re looking for easy branching or easy online testing, one of these accounts will meet your needs.
Tip: Checking accounts are a great way to teach kids about money management. Find out what accounts you can open for your child and how to choose your first checking account.
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*With Chase Overdraft Assistance℠, we won’t charge you a non-sufficient funds fee if you pay $50 or less at the end of the business day, or if you pay more than $50 and overdraw your account balance. $50 or less by the end of the next business day (you can make a deposit or transfer until 11:00 PM ET (8:00 PM PT)). Chase Overdraft Assistance requires no registration and comes with a Chase checking account.
As a new character, open a US Bank Smartly™ checking account and earn up to $500 by completing qualifying activities under certain terms and conditions. Offer valid until November 21, 2022. Member FDIC. Follow these steps within 60 days of opening your Smartly (TM) bank account online.
Applicants from AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA , WI, and WY checking accounts are eligible
Discover Cashback Debit Account is free you can get. With no monthly fees, you’ll pay $0 in check payments, close your bill, and never run out of money.
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Plus, you’ll earn 1% cash back when you use your debit card (up to $3,000 in monthly purchases). This is a great earning opportunity.
Cashback is only valid on debit card purchases and not on ATM transactions, money transfers, peer-to-peer payments or credit payments. See website for details.
You can get free cash at over 60,000 locations, including ATMs at popular grocery stores, CVS, Walgreens, and Costco.
Discover Bank offers 24/7 customer support by phone and email from a US-based team. Simply call 1-801-451-3737 or send a message through our online message center.
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If you often spend a lot of money on your debit card, Discover’s cash back program is great. If you want to carry a larger balance instead, the next option is for you.
The Axos Bank Rewards Checking Account has no fees and can earn up to 1.25% interest. It is now considered very high.
Axos does not have its own ATM network. But it offers the unlimited benefits of a home ATM, so you can use any machine you want.
Simply put, the annual percentage rate (APY) is how much your money will grow in a year. This assumes you are adding money or not. For example, if you put $1,000 into an account with a 1% APY, you’ll earn $10 at the end of the year.
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Please note: A good bank history is required for approval from Axos. If you had a bank error before, don’t worry, the next bank will accept it all.
Chimee is a financial technology company, not a bank. Bancorp Bank or Stride Bank, N.A. Providing banking services and debit cards; Members of the FDIC.
Chime is a leader in mobile software. Checking accounts have an early withdrawal feature, where you can receive your direct deposit payments up to 2 days in advance.
It also has a great SpotMe feature, and Chime helps you pay up to $200 (or more) for free. If you make a deposit, you get it back. SpotMe only covers debit card purchases, ATM withdrawals, and cash-back transactions.
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You are eligible if you receive at least $200 in direct deposits per month. Your SpotMe limit is based on your account history.
Additionally, Chime does not run any credit checks or reports. Hence, it is the best option for people with bad credit or bad bank history. Also suitable for college students with no background.
Because online banks have lower fees, they offer less fees and even interest. They often work with ATM networks across the country, so you can easily withdraw money. You can use the mobile app to take photos, make online payments, deposit money, and more.
Not sure about Pure Mobile Banking? If you want to start a private bank, you can approach the National Bank.
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Chase is one of the largest banks in the United States. Despite its size, Chase has an excellent reputation for customer service and is a highly rated mobile app.
Chase Total Checking® isn’t exactly free, but the $12 monthly maintenance fee is easy to waive. You need at least $500 in direct deposit. If you can do this, you won’t have to worry about maintaining a minimum balance.
You can also earn Chase rewards by becoming a new customer. To claim the bonus, you must create an instant deposit – no minimum deposit required!
The mobile app is packed with features like budget funds, cashback programs, and more. You also get Erica, a virtual assistant who helps you manage your bills, track your FICO score, lock your debit card, and more.
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Large commercial banks have a bad reputation for being lifeless. If you’re looking for something with a heart, then the latter will suit you.
Your mines won’t go to fossil fuel projects that harm our planet. Plus, you can plant a tree with every purchase. The passion is rounded to the nearest dollar and plant a tree with your spare cash.
You pay what you think is fair (even if it’s $0). Ambition donates 10% to charities that help struggling Americans.
Quantic Bank is one of the most unique digital banks. In addition to interest and cash accounts, Bitcoin cashback accounts are also offered for the first time.
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You earn 1.5% Bitcoin on qualifying debit card purchases. This is a great way to start your crypto investment journey by making daily purchases. And unlike other rewards, Bitcoin can grow.
Quantic will put your savings to good use. They use it to help low-income families, immigrants, people of color and other low-income populations get home mortgages.
Ally Bank is a full-service online bank including checking, savings, IRA, investment services and loans. This is a great option if you want to manage all of your finances under one organization.
Interest checking accounts have no minimum requirements and offer interest on all balances. 0.10% APY on daily balances less than $15,000. 0.25% APY on daily balances over $15,000
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Other benefits include no overdraft fees, free standard checks and free access to over 43,000 Allpoint ATMs. If you go out of network, Ally charges $10 per statement cycle from other bank ATMs.
Just like a traditional bank account, you can accept Visa debit cards, mobile check deposits, direct payroll deposits, and online bill payments. Oh, and no overdraft fees.
Best of all, it’s cashback at ATMs around the world, so you can take your card with you wherever you go. In addition, all foreign transaction fees are reimbursed.
Varo allows you to withdraw your direct deposit up to 2 days in advance. There are no overdraft fees or foreign transaction fees on the account.
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You can get up to $100 in cash for a one-time advance. You only have to pay within 30 days. No interest, but a small fee depending on the amount you earn. A $5 fee is charged for borrowing $100.
We also offer a savings account that pays 2.00% and can earn 5.00% APY if you qualify. To get the best APY, you must make at least $1,000 in direct deposits, maintain a daily deposit balance of no more than $5,000 each month, and have more than $0 in checking and savings balances.
Varo doesn’t check your credit score or bank history, so it’s also great for people who need a second chance.
Capital One offers a strict basic checking account with low interest rates (no income requirements). Also, debit cards do not charge foreign transaction fees.
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It also offers several overdrafts
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