Best No-Fee Online Checking Accounts in 2023
Discover the top free online checking accounts of 2023 offering convenience, interest earnings, and nationwide ATM access. These FDIC-insured options provide secure, low-cost banking solutions suited for modern financial needs. Learn about features like interest rates, mobile check deposits, and ATM availability to find the best account for your lifestyle.
Best No-Fee Online Checking Accounts in 2023
In today’s fast-paced world, convenience and speed in banking are more important than ever. Online banking has transformed how we manage our finances, making transactions quick and effortless from anywhere. Some digital accounts also offer interest earnings, adding additional value. Below is a selection of free or low-cost online checking options, showcasing a variety of features to suit different needs.
EverBank
For an online checking account that offers interest, EverBank is an excellent option.
The bank’s interest rates start at 0.25% APY for balances up to $9,999, increasing with larger deposits. Its rates often surpass typical savings and money market accounts. An additional benefit is the Yield Pledge Promise, ensuring that this account maintains top 5% performance among competitors.
Capital One 360
Formerly known as ING Direct, Capital One 360 provides a fee-free checking account that also earns interest. The platform is user-friendly, allowing check deposits with just a photo taken via your smartphone. Plus, it offers ATM access at numerous locations nationwide.
FNBO Direct
FNBO Direct is another standout, offering a free online checking account with an attractive 0.65% APY interest rate. It includes a free Visa Debit Card and seamless fund transfers through mobile apps or email—making banking both easy and accessible.
All these online checking accounts are FDIC insured, ensuring your deposits are protected.
