Best no fee checking accounts 4x3

Capital One 360: Best no-fee checking account overall

Discover CashBack Debit: Best no-fee checking account for rewards

US Bank Student Checking: Best no-fee checking account for students

HMBradley: Best no-fee checking account/savings account hybrid

Simple Online Checking: Best no-fee, online-only checking account

A good checking account is a necessity. It’s a temporary home for the money you earn and soon spend on your needs, wants, and future goals — and it shouldn’t cost you anything.

These days, most (if not all) banks offer conditional no-fee checking accounts. That is to say, your monthly service fee can be waived if you meet minimum balance or recurring deposit requirements.

In this list, we want to highlight the checking accounts that charge zero monthly maintenance fees, no matter where your balance lies. You might notice this list is similar to our list of best checking accounts — that’s because we value no-fee products and have mentioned many of the best already.

Below you’ll find our picks for the best no-fee checking accounts available right now. Each of these accounts comes with a debit card, FDIC insurance, and mobile app access.

Capital One 360: Best no-fee checking account overall

Why it stands out: Access to over 39,000 Capital One and AllPoint ATMs; no monthly service, overdraft, or foreign transaction fees; mobile check deposit available; connects to Zelle for digital money transfers; multiple overdraft protection options; and all balances earn 0.10% APY. Plus, Capital One ranks No. 4 on J.D. Power’s US National Banking Satisfaction Study.

What to look out for: Minimal branch locations. Though Capital One Cafés are popping up in big cities around the US, the bank only operates about 470 branches in nine states.

Discover CashBack Debit: Best no-fee checking account for rewards

Why it stands out: Access to over 60,000 ATMs; no monthly service or overdraft fees; mobile check deposit available; and earns 1% cash back on up to $3,000 in debit card purchases every month.

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What to look out for: Location restrictions. You can only use your Discover debit card in the US, Canada, Mexico, and the Caribbean.

US Bank Student Checking: Best no-fee checking account for students

Why it stands out: Access to 4,700 US Bank ATMs, 28,000 ATMs in the MoneyPass Network, and 3,000 US Bank branch locations; no monthly service fees for students; no overdraft transfer fees when linked to a deposit account; fee reimbursement for up to four non-US Bank ATM transactions per statement cycle; connects to Zelle for digital money transfers; and mobile check deposit available.

What to look out for: Minimum opening deposit of $25. Also, although US Bank ranked above Wells Fargo, Bank of America, and CitiBank on J.D. Power’s US National Banking Satisfaction Study, it’s categorized as “about average.”

HMBradley: Best checking account/savings account hybrid

Why it stands out: When you deposit money into your HMBradley account, the platform tracks how much you spend vs. how much you save …read more

Source:: Business Insider

      

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