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7 Popular Checking Accounts in the US

It has now become increasingly difficult to find checking accounts which are truly free. Some of the banks charge monthly maintenance fee when it comes to open a new checking account. However, despite these limitations, it is possible to find free checking account which comes with few restrictions.

If you are looking forward to opening online free checking accounts, you should look at options listed below as these are a free checking account and can be opened in a short span of time.

Bank5Connect

In case, you are looking forward to availing attractive yield while maintaining minimum balance requirement, bank5 Connect could be a better choice for having checking accounts. This bank gives the user a reasonable overdraft free facility and the free checking account in this bank can be opened with a minimum balance of $10.

However, if you wish to avail interest from online free checking accounts, a daily balance of minimum $100 should be maintained.

Discover Bank

This is a full-service online bank and the depositors need not maintain minimum balance requirement. When you open online free checking accounts in Discover Bank, no account opening bonus will be provided. However, this bank does not charge any ATM fee. The account is Android and iPhone compatible and has wide functionality.

Ally Bank

This is one of the original free checking accounts and the interest checking account is very popular among those who use it. Any third party ATM fee is always reimbursed. This bank does not have any kind of minimum deposit condition when it comes to opening checking accounts in this bank.

The yield on the deposits made in Ally Bank is also handsome and it yields 0.10% when balances are less than $15,000. The yield is 0.60% when the balance is greater than this amount.

Capital One 360

This free checking account bank comes with an attractive yield, especially for people who have a large balance. Its mobile app is also innovative in itself and if you wish to open a new checking account, this is one of the best in the business. It offers intuitive mobile check deposits, ATM finder which is interactive in the real sense, easy and effective person to person money transfers.

The best point of this free checking account is that there is no minimum deposit or balance needed on this account. However, certain kind of fee is incurred when this account is maintained. These include a possible fee of $5 for statement copies, $9 for non-sufficient fund check and $25 for stop payment facility.

Bank of Internet

Bank of Internet USA which is another among online free checking accounts can give the depositors a yield of 1.25% on the funds if the deposits meet certain requirements. Such depositors need to use the debit card a minimum of 10 times per month and should accept a monthly minimum deposit of $1,000.

However, there is no minimum daily balance requirement and such kind of checking accounts comes with a base yield of 0%. The annual interest rate in this bank increases with the number of transactions carried out every month and the amount deposited in the account.

Independent Bank

This is a Texas-based bank which offers its services to customers all across the United States. The baseline interest rate in this checking accounts option is less but the annual prospect of the same to be enhanced to around 1.50% on annual basis is high when the account is used on a regular basis. Such people should be making around 12 debit card purchases every month. The minimum deposit in this bank is $100 but no such limits exist when it comes to maintaining a minimum balance. The baseline annual yield is around 0.01% on all kind of balances in this bank.

This bank also has its mobile feature which includes bill payment option, ATM finder facility; check deposit feature and text alerts. This account is iPhone and Android phone compatible.

FNBO Direct

FNBO Direct online checking account has negligible minimum opening deposit requirement and is a better option when it comes to having checking accounts. The minimum opening deposit amount in this bank is only $1 and no minimum balance requirement is needed on this account.

The annual yield is 0.65% on all kind of balances in this bank. This bank has innovative mobile features which include bill pay facility and sending money feature to friends. The accounts in this bank are also Android and iPhone compatible thus giving a wide audience range to the bank.

The outgoing wire fee in this bank is $15 and the fee on cashier check is $10.

If you are looking forward to opening up of checking accounts, consider any of the above-listed banks in the United States and guarantee yourself a hassle-free banking experience.

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