Free Online Checking Account No Opening Deposit Near Me

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In times of financial stress, it’s easy to damage your bank reputation. Changed payments, bounced checks, or involuntary account closures end up on your ChexSystems report, which can prevent you from accessing traditional checking accounts.

Free Online Checking Account No Opening Deposit Near Me

If you’ve made these mistakes before, here’s a list of the best free checking accounts you can qualify for despite your imperfect bank history.

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Founded in 2012, Chime is a financial technology (fintech) company, not a bank. However, their accounts are at Bancorp Bank or Stride Bank, member FDIC, where you can trust their safety and insurance.

Unlike the other providers on this list, Chime does not take a ChexSystems or credit report when you apply, and the checking account has no minimum payment, balance requirements, or monthly fees.

The Chime checking account earns no interest on deposits, while the savings account earns 1% APY and is free. You can subscribe to both of them and transfer money to them without limits.

Chime also helps you round up any card purchases to the nearest dollar and transfer the added change to your savings account.

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In addition to its banking services, Chime offers premium credit card reporting for Experian, Equifax and TransUnion. If you are interested in improving your credit score and bank history, it is worth considering.

Chime receives overall positive customer reviews, including 3.33 out of 5 stars and an A+ from the Better Business Bureau (BBB), 3.7 out of 5 stars from Consumer Affairs, and 3.6 out of 5 stars from Trustpilot. .

It is now a fintech company founded in 2015 that specializes in making banking services affordable and accessible to the average customer. Their bank accounts are from Select Financial Group, member FDIC.

In addition to being free from initial balance requirements and current payments, a current account offers the following benefits:

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A checking account with 4% APY earns up to $6,000 when you allocate your money to “Savings Pods” that help you set savings goals. For reference, the average checking account is .03% interest.

Based on the features and customer reviews, the company’s mobile app also stands out. For example, it allows you to block transactions from your dashboard and provides privacy controls such as face and fingerprint unlock options.

Customer ratings currently vary widely between devices, but are generally positive. They get 1.53 out of 5 stars and a D from the BBB, 3.9 out of 5 stars from Trustpilot, 4.7 out of 5 stars from the App Store, and 4.6 out of 5 stars from Google Play.

Dave is another fintech company that offers a wide range of financial services. Founded in 2016, Dave Banking offers lending and income building opportunities. Their bank accounts are located at Evolve Bank & Trust, Member FDIC.

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Dave’s Spending Account has no deposit requirements, minimum balances, or monthly fees. Her only significant problem is that she is not attractive. A separate savings account is required to help mitigate the effects of inflation.

Otherwise, Dave offers many of the same benefits as other fintech bank accounts. For example, it includes receiving your direct deposit two days in advance and access to 37,000 ATMs with no fees or processing fees.

One of Dave’s unique features is called ExtraCash. It allows you to borrow up to $500 and use it immediately on your credit card. There are no interest, credit checks or late fees, and Dave reports your payment activity to Equifax to help you build your credit.

The ExtraCash system also serves as an additional protection and respectable payment schedule. If you overdraw your bank account, Dave can tap your ExtraCash line of credit to cover the overdraft.

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Although Dave has his critics, his customer reviews are mostly positive. They get 1.19 out of 5 stars on the BBB, 4.4 out of 5 stars on Google Play, and 4.8 out of 5 stars on the App Store.

Bank Dora Financial is a “neo-banking strategy based on partnership”. It was founded in 2021 to serve the poor and low-income, providing bilingual banking services to combat racial and economic inequality.

Led by USALLIANCE Financial, five different credit unions support Dora Bank. The others are Affinity Plus, Federal Digital, Inclusive and Federal Service. As a result, the National Credit Union insures Dora’s accounts.

While all the bank accounts on this list are as cheap as they come, the Dora Everyday Account is very affordable. There are no monthly fees or balance requirements, but online ATM withdrawals are only $1.

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Although Dora is unusual, she can already compete with her peers. They offer remote deposits from your phone, 30,000 free ATMs and access to their direct deposits up to two days in advance.

Because Dora is so new, there are few customer reviews online. However, Bank is off to a good start, earning 3.6 out of 5 stars on the App Store and 3.8 out of 5 stars on Google Play.

GO2bank is the second digital bank created by Green Dot. It offers the same benefits you enjoy in modern fintech companies, such as two-day early access to your direct deposit.

However, GO2bank’s remittance services are more stable than some of its competitors. They claim to offer $200 protection, but you have to meet strict eligibility requirements and GO2bank reserves the right to charge additional fees at will.

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There is no minimum deposit required to open a GO2bank account, but they charge $5 per month. Fortunately, this is waived every month you receive a direct deposit of wages or government benefits during the previous reporting period.

GO2bank has more negative reviews than some of the others on this list. However, many appear because of the complexity of GO2Banks services.

GO2bank 1.3 out of 5 stars on Trustpilot, 3.5 stars on WalletHub, 4.5 out of 5 stars on Google Play and 4.7 out of 5 stars on the App Store. On the other hand, Green Dot gets 1.08 out of 5 stars and B+ from BBB.

GTE Financial is a well-established federal credit union that has been operating in Tampa Bay since the Great Depression. A GTE personal checking account is one of the things you should consider when choosing a traditional, brick-and-mortar financial institution over a fintech company.

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It may not offer all the modern conveniences, but GTE Financial still offers digital billing, remote mobile deposits, unlimited check writing, and debit cards. Additionally, they will automatically consider renewing your account after 12 months.

GTE Financial Go’s additional investigation has some costs, but it’s negligible. A $5 deposit is required to unlock and there is a $9.95 monthly service fee.

To avoid the fee, you must sign up for eStatements, earn $500 in direct deposit each month, and complete 15 combined debit or credit card transactions.

Since GTE Financial is a credit union, you must also be a member to use their services. You can join Florida Connections for free, but you can also pay a one-time $10 membership fee to the Educational Finance Club.

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GTE receives a lower customer rating than other providers on this list, but it is common for large companies to offer a wide range of financial services. Fortunately, their mobile app is rated even higher.

GTE Financial receives 1.23 out of 5 stars and A+ from the BBB, 2.4 out of 5 stars from WalletHub, 4.8 out of 5 stars from Google Play and 4.9 out of 5 stars from the App Store.

SoFi was originally a fintech company founded by a Stanford graduate student in 2011, but has since evolved into a nationally chartered bank. 2022, SoFi Golden Pacific Bank, N.A. started offering checking and savings accounts.

As a result, SoFi now combines the advantages of modern financial startups with traditional financial institutions. Some of their interesting features include:

Open A Checking Account

SoFi is another standout when it comes to affordability. Not only are there no minimum deposit requirements or account opening fees, there are no ongoing or transaction fees. That means no monthly payments, mobile or ATM deposits.

SoFi also doesn’t charge any additional fees, but you need at least $1,000 in direct deposits per month to qualify. In addition, they often reject transactions that exceed your balance, avoiding the problem altogether.

Signing up for their checking account makes you a SoFi member, which gives you a unique financial plan, discounts on SoFi loans, and referral bonuses when friends join.

SoFi also has average customer reviews. It has 1.23 out of 5 stars and A+ from BBB, 3.0 out of 5 stars from WalletHub, 3.6 out of 5 stars from Trustpilot, 3.8 out of 5 stars from Consumer Affairs, 4.2 out of 5 stars from Google Play and more. 5 stars. stars in the App Store.

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And last but not least, Varo Bank is a fintech mobile app. Founded in 2015, it is now a chartered bank, meaning its checking accounts are insured by the FDIC. Like SoFi, Varo Bank is a traditional institution and

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