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.

Choose Checking Account from Our Partners

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
$5.00
Online Banking
Yes
5
Overall Rating
  • Enjoy a $100 bonus and a sleek Metal card when you set up your first direct deposit
  • 1.20% bonus rate up to $5,000 in deposits
  • Earn 5% when you pay with cash, 10% when you pay with crypto, on total annual spends of $500
  • 1 free monthly withdrawal on out-of-network ATMs
  • No Fee Cash Withdrawals. 85,000 Allpoint & MoneyPass® ATMs
APY
Up to 1.20% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
4
Overall Rating
  • No minimum balance requirement
  • No monthly fees when you sign up for free Online Statements
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Unlimited check writing
  • Convenient and free deposits at FNB branches, ATMS or through Mobile Banking
  • Fast and free Online Banking, Mobile Banking and Telephone Banking
APY
N/A
Monthly Fee
$0
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
5
Overall Rating
  • $100 Promo with Code "RC100"
  • Up to 1.25% APY
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • Unlimited domestic ATM fee reimbursements
  • Zero Minimum Balance Requirement
APY
Up to 1.25% APY
Monthly Fee
Zero
Minimum Deposit
Only $50 to open an account
Online Banking
Yes
5
Overall Rating
  • Enjoy a $100 bonus and a sleek Metal card when you set up your first direct deposit
  • There are no additional fees for the Metal Plan. Just a direct deposit of $500 or more per month
  • The Priority access users get a 1.20% bonus rate up to $50,000 in deposits
  • Earn 5% when you pay with cash, 10% when you pay with crypto, on total annual spends of $3,000
  • 3 free monthly withdrawal on out-of-network ATMs
  • No Fee Cash Withdrawals 85,000 Allpoint & MoneyPass® ATMs
APY
Up to 1.20% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
4
Overall Rating
  • Earn interest on balances of $2,500 or greater
  • Free 3" x 5" safe box
  • Free paper and online statements
  • Free first order of checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Unlimited check writing
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking
  • Fast and free Online Banking, Mobile Banking and Telephone Banking
APY
N/A
Monthly Fee
$10
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
4
Overall Rating
  • Earn interest on balances $0 - $2,500
  • No overdraft fees
  • No paper checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking
  • Refunds on fees for ATM transactions at non-FNB locations, up to 4 times per statement cycle
  • Refunds on ATM fees charged by other institutions, up to $12 per statement cycle
APY
N/A
Monthly Fee
$25
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
5
Overall Rating
  • NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable’s Double Cash Bonus.
  • Earn 1% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more!
  • No credit check or US credit history required and no SSN required for non US citizens
  • Open a restricted account before you step foot in the U.S or have a U.S address.
  • Zero hidden fees—no annual fees, no additional ATM fees, no overdraft fees, no card replacement fees, and no minimum deposit.
  • Premium benefits like extended warranty where Sable will double the warranty for eligible items purchased with your Sable card, and satisfaction guarantee where Sable will cover most purchases if you become dissatisfied with a new product within 60 days of purchase, and much more!
  • Please see https://sablecard.com/tcs for terms and conditions.
APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
No
4
Overall Rating
  • No overdraft fees
  • No paper checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking
APY
N/A
Monthly Fee
See terms
Minimum Deposit
$25 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
5
Overall Rating
  • No monthly fees or minimum balance requirements
  • Apply in under 10 minutes
  • Simple, easy-to-use mobile apps
  • No Hidden Fees
  • Refunds all ATM fees
  • Free transfers, mailed checks, and incoming wires
  • Integrates with other small business tools
APY
0%
Monthly Fee
$0
Minimum Deposit
$50
Online Banking
Yes
5
Overall Rating
  • Earn 1.10% APY on all balances
  • Open an account online in just 3 minutes
  • No monthly maintenance fees or minimums
  • $100 minimum deposit required to open an account
APY
Up to 1.10% APY
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
4
Overall Rating
  • Earn interest on balances of $1,000 or greater
  • Earn higher interest with higher balances
  • Free FNB custom checks
  • Unlimited check writing
  • Free stop payment requests
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • No FNB fee for using non-FNB ATMs
  • Refund of up to $15/statement on ATM fees charged by other institutions
  • Waived annual fee for overdraft lines of credit
APY
N/A
Monthly Fee
$25
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
4
Overall Rating
  • Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.
  • Current offers accounts for everyone, including teens.
  • Members receive instant spending notifications every time you swipe your card for added security.
  • Members can instantly send money for free to friends and family with Current Pay.
  • Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.
APY
N/A
Monthly Fee
$4.99
Minimum Deposit
$0
Online Banking
Yes

This offer is only available in AZ, CA, CO, FL, GA, KS, MD, MO, NC, NM, OK, OR, SC, TN, TX, VA, WA, WI, WV.

5
Overall Rating
  • No monthly fees when you enroll in paperless statements1
  • No minimum balance
  • Open with as little as $50
  • Free digital and mobile banking with alerts and bill pay
  • Deposit checks on your mobile for free
  • Free use of Zelle® to send and receive money to people you know
  • Use Digital Banking’s free Manage My Money feature to view First Citizens and non-First Citizens accounts in one place, plus you’ll have access to budgeting tools and more.
  • No-fee channel access: Users can manage account digitally, but also at branch or ATM at no charge.
  • Free debit card that users can add to their mobile device for Apple, Google or Samsung digital wallet access
  • Link Free Checking account to a First Citizens Savings or Checkline Reserve line of credit for Overdraft Protection. (a $12 transfer fee will apply each day an overdraft occurs.)

This offer is only available in AZ, CA, CO, FL, GA, KS, MD, MO, NC, NM, OK, OR, SC, TN, TX, VA, WA, WI, WV.

APY
N/A
Monthly Fee
$0
Minimum Deposit
$50
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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