Best Free Checking Accounts

There are now some great checking accounts with lots of free, convenient features that also have a good annual percentage yield (APY). All of the accounts listed here are FDIC insured with no monthly maintenance fees. That means direct deposits or a daily minimum balance are NOT required to avoid monthly maintenance fees. However, direct deposits or a daily minimum balance may be required to get a higher APY. You can review the bank links to see more account details.

Bank	APY with Direct Deposit	APY without Direct Deposit	Minimum Monthly Direct Deposit	Early Paycheck?	Online Bill Pay?	Pay Anyone?	Check Writing?	Overdraft Fee	Free Overdraft Protection Max
Climate First Choice	5.34%		$1,000.00							Apply
Primis	5.07%	5.07%		Yes	Yes	Yes	Yes	$0.00		Apply
Wealthfront	5.00%	5.00%		Yes	One-time or recurring check		No	$0.00		Apply
elroy	4.25%	4.25%		Yes	Yes	elroy to elroy		$0.00		Apply
Paramount	3.25%	3.25%		No	Yes					Apply
T-Mobile	2.50%	2.50%		Yes	Yes	No	Yes	$0.00	$50.00	Apply
Customers	2.00%	1.00%	$1.00							Apply
NBKC	1.75%	1.75%		No	Yes		Yes	$0.00		Apply
American Express	1.00%	1.00%		No				$0.00		Apply
Amalgamated	0.95%	0.95%			Yes	Zelle	Yes	$34.00		Apply
	0.50%	0.50%	$1.00	Yes	Yes	Yes	Free	$0.00	$50.00	Apply
Axos	0.40%	0.00%	$1,500.00	Yes	Yes			$0.00		Apply
Grind24	0.25%	0.25%		Yes				$0.00		Apply
EverBank	0.25%	0.25%		No	Yes	Zelle	Yes	$0.00		Apply
greenpenny	0.25%	0.25%				Zelle				Apply
FNBO Direct	0.15%	0.15%		No	Yes		No			Apply
Ally	0.10%	0.10%		Yes	Yes	Zelle	Free	$0.00	$250.00	Apply
CapitalOne	0.10%	0.10%		Yes	Yes	Zelle	Yes	$0.00		Apply
CIT	0.10%	0.10%		No		Zelle		$0.00		Apply
Prime Alliance	0.05%	0.05%		No	Yes		Free	$30.00		Apply
Quontic	0.01%	0.01%		No	Yes	Zelle		$0.00		Apply
Laurel Road	0.01%	0.01%		No	Yes	Zelle		$20.00	$20.00	Apply
Industrial	0.01%	0.01%		No	Yes			$33.00		Apply
M&F	0.01%	0.01%		No		Zelle		$35.00		Apply
Salem Five	0.01%	0.01%		No	Yes			$35.00		Apply
				Yes	One-time check	Yes	No	$0.00	$200.00	Apply
				Yes	No	Current to Current only	No	$0.00	$200.00	Apply
				Yes	One-time check	Yes	No	$0.00	$200.00	Apply
				Yes	Yes			$0.00		Apply
Albert				Yes				$0.00		Apply
Aspiration				Yes				$0.00		Apply
Credit Karma				Yes	Yes	No	No	$0.00		Apply
Discover				Yes	Yes	Zelle	Yes	$0.00		Apply
Greenwood				Yes	No		No	$0.00		Apply
				Yes		Yes	No	$0.00		Apply
Lending Club				Yes	Yes		No	$0.00		Apply
Robinhood				Yes	One-time check			$0.00		Apply
Sesame Cash				Yes				$0.00		Apply
Huntington Asterisk-Free				Yes	Yes	Zelle	Yes	$15.00	$50.00	Apply
Fifth Third				Yes	Yes	Zelle	Yes	$37.00	$5.00	Apply
OneUnited				Yes				$37.00		Apply
				Yes		Yes				Apply
Experian Smart Money				Yes						Apply
M1				Yes	No		No			Apply
Oxygen				Yes						Apply
Paypal				Yes	Yes	Yes				Apply
				Yes	No	Yes	No			Apply
				Yes	No	Yes	No			Apply
Zynlo				Yes	Yes	Yes	No			Apply
My Banking Direct				No	Yes	Zelle	Yes	$0.00		Apply
BankPurely				No	Yes			$0.00		Apply
Betterment				No				$0.00		Apply
iGObanking				No	Yes			$0.00		Apply
MoCaFi				No	One-time check			$0.00		Apply
Tab				No				$0.00		Apply
FNBO				No	Yes		Free	$20.00	$20.00	Apply
E*Trade				No	Yes		Free	$25.00		Apply
First Foundation				No	Yes	Zelle	Yes	$35.00		Apply
CFG				No	Yes	Zelle	Yes			Apply
CIBC USA				No			Free			Apply
First Independence				No	Yes					Apply
First Security				No						Apply