Looking for Checking Account Offers?

A checking account is a bank account for everyday expenses. You can easily access money in your checking account using a debit card or writing a check. It is easier to manage your finances using a checking account as you also get access to different online banking services. You can set up direct deposits and receive your paychecks directly to your checking account, which is convenient and fast. Today you can open a checking account online without visiting a local bank. Below you can review some available online checking account offers.

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5
Overall Rating
  • Apply with only $25 opening deposit
  • No monthly Service Charge
  • Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
  • No ATM withdrawal fees at any BBVA USA or Allpoint® ATM
  • BBVA USA, Member FDIC
APY
N/A
Monthly Fee
No monthly Service Charge
Minimum Deposit
Open with $25
Online Banking
Yes
5
Overall Rating
  • No monthly maintenance fee
  • $0 with 10 or more posted debit card purchases/payments per month
  • Receive up to four ATM-Owner fee rebates per month.
  • $20 monthly fee or $0 with a $15,000 minimum daily balance
APY
See terms
Monthly Fee
$20 monthly fee or $0 with a $15,000 minimum daily balance
Minimum Deposit
See terms
Online Banking
Yes
5
Overall Rating
  • Earn Up to 4.09% APY* on balances up to $10,000
  • No monthly maintenance fees, for anything
  • Over 30,000 ATMs & over 5,000 shared branches
  • Unlimited reimbursement for any and all ATM fees*
  • Never a minimum balance
APY
Up to 4.09% APY*
Monthly Fee
No
Minimum Deposit
No
Online Banking
Yes
5
Overall Rating
  • No monthly maintenance fee
  • $3 per month for paper statements
  • Receive up to $25 per month in ATM-Owner fee rebates.
  • $0 monthly fee with a $15,000 minimum daily balance, otherwise $20
APY
See terms
Monthly Fee
$20 monthly fee or $0 with a $15,000 minimum daily balance
Minimum Deposit
See terms
Online Banking
Yes
5
Overall Rating
  • Apply with only $25 opening deposit
  • No monthly Service Charge
  • No ATM fees at BBVA USA ATMs
  • BBVA USA, Member FDIC
APY
N/A
Monthly Fee
$0
Minimum Deposit
Open with $25
Online Banking
Yes
5
Overall Rating
  • $20 monthly fee, but $0 with a $15,000 minimum daily balance
  • Receive up to $25 per month in ATM-Owner fee rebates.
  • No monthly maintenance fee
  • $3 per month for paper statements
APY
See terms
Monthly Fee
$20 monthly fee or $0 with a $15,000 minimum daily balance
Minimum Deposit
See terms
Online Banking
Yes
5
Overall Rating
  • No hidden fees.
  • No monthly fees or minimum balance requirements
  • Apply in under 10 minutes
  • Free transfers, mailed checks, and incoming wires
  • Simple, easy-to-use mobile apps
  • Refunds all ATM fees
APY
See terms
Monthly Fee
No
Minimum Deposit
See terms
Online Banking
Yes

Choosing a Checking Account

A checking account is a bank account you will probably be using every day. Therefore, it is important to choose the cheapest option that meets your needs and requirements. Checking accounts have maintenance fees most of which can be avoided. Thus, to waive a monthly fee, you will simply need to keep a minimum balance. If you set up a direct deposit, you may be able to avoid some monthly fees as well. Also, there are overdraft fees and interest. To avoid this kind of fees, you will need to keep an eye on your account to make sure you never spend more than you have.

Some checking accounts require an opening deposit that should be paid when you open a bank account. The initial deposit is usually somewhere between $25 and $100. However, there are checking account offers that require no opening deposit. Some checking accounts may come with a small APY, which is actually a rare thing, as checking accounts are not aimed at saving money. If you need to save money, a savings account is a better option.

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Read FAQs about Checking Accounts

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Whether you are opening a checking account online or visiting a nearby branch, you will need to provide some personal information. First of all, you will need such forms of identification as Social Security number, driver’s license, state ID or...
Yes. You can have payroll or government checks directly deposited to your checking account. You will actually benefit from that as many checking accounts waive monthly fees when direct deposit is set up. To take advantage of direct deposit, you will...
Yes. More than that, opening a bank account online is quick and easy. In addition, best online accounts come with lower fees and offer higher rates. To open a bank account online, you will need your Social Security number, valid driver’s license,...
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