Top Free Checking Accounts in 2024

While checking accounts used to be free years ago, increased banking complexity has led to many becoming fee-based. Fortunately, online banking has changed the landscape, making free checking accounts widely accessible again. These accounts often offer sign-up bonuses, free ATM access, and convenient online tools. Here are some of the best free checking options for 2024 that provide no monthly fees, refund for ATM charges, and user-friendly features.

Capital One 360: Ideal for those seeking both checking and savings accounts, Capital One 360 provides competitive interest rates on savings, extensive ATM coverage with over 40,000 fee-free Allpoint ATMs, and 24/7 support with seamless mobile banking.

USAA Basic Checking: Designed with convenience in mind, USAA Basic Checking offers easy deposit options and free financial management tools. It includes online bill pay, free ATM access, and no minimum balance or monthly maintenance fees, making it a flexible choice for many users.

Ally Interest Checking: When paired with a savings account, this checkings account offers extra features like Popmoney for quick transfers to external accounts and the ability to send payments via email or text. It provides 24/7 customer service and does not require minimum balances or monthly fees.