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Free Checking Accounts

There's no reason to pay a fee to keep a checking account. Although many banks have added account-maintenance fees, minimum-balance requirements, and the like, many others still offer completely free accounts. This page lists them by state (42 states covered so far!). Some of the entries are small local banks or credit unions; others are large banks with branches in many states.

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Missouri | Nebraska | Nevada | New Hampshire | New Jersey | New York | North Carolina | Ohio | Oregon | Pennsylvania | South Carolina | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin

Alabama

Ameris Bank
Branches in: southeastern Alabama, northern Florida, throughout Georgia and South Carolina, and one in Franklin, Tennessee. See location map.
Bank of the Ozarks
See location map for branches.
Citizens Bank and Trust
Northeast Alabama. Branches in Albertville, Arab, Athens, Guntersville, Hazel Green, New Hope, Oneonta, and Rogersville.

Alaska

Alaska Pacific Bank
Branches in Juneau, Ketchikan, and Sitka

Arizona

American Southwest Credit Union
Cochise and Santa Cruz counties. Branches in Sierra Vista, Fort Huachuca, Bisbee, Douglas, Benson, and Nogales.
Credit Union West
Phoenix area and Prescott. Open to people who live or work in Maricopa or Yavapai counties.
FirstBank
Branches throughout Colorado, and in the Phoenix (AZ) and Indio (CA) areas.

Arkansas

Bank of the Ozarks
See location map for branches.
Centennial Bank
Central Arkansas, and much of Florida
Citizens Bank and Trust Company
Van Buren

California

Credit Union of Southern California
Los Angeles area, Orange County and San Gabriel valley
FirstBank
Branches throughout Colorado, and in the Phoenix (AZ) and Indio (CA) areas.
Golden 1 Credit Union
Throughout California, but especially the Sacramento and San Francisco Bay areas. Open to residents of 34 counties: Alameda, Amador, Butte, Calaveras, Contra Costa, El Dorado, Fresno, Imperial, Kern, Kings, Lassen, Madera, Marin, Merced, Monterey, Napa, Nevada, Placer, Sacramento, San Benito, San Bernardino, San Joaquin, San Luis Obispo, San Mateo, San Francisco, Santa Barbara, Santa Clara, Shasta, Solano, Sonoma, Stanislaus, Sutter, Yolo, and Yuba.
Mid Cities Credit Union
South Los Angeles. Open to people who live or work in Compton, Carson, Paramount, Norwalk, Bellflower, Lynwood, or North Long Beach.
PremierOne Credit Union
San Jose area
Redwood Credit Union
Northern SF Bay Area. Branches in Santa Rosa, Cloverdale, Glen Ellen, Napa, Novato, Petaluma, Point Arena, Rohnert Park, San Francisco, San Rafael, Sebastopol, Sonoma, Ukiah, Windsor.
SF Fire Credit Union
San Francisco
San Diego County Credit Union
Branches throughout San Diego County, and a few in Riverside and Orange counties.
Technology Credit Union
San Jose area
United Central Bank
See the branch list for locations.

Colorado

Bellco Credit Union
Mainly in the Denver area, plus a branch in Grand Junction.
Elevations Credit Union
Branches in Boulder, Westminster, Lafayette, Longmont, and Loveland.
FirstBank
Branches throughout Colorado, and in the Phoenix (AZ) and Indio (CA) areas.

Connecticut

Berkshire Bank
See loction map for branches.
Hudson City
Scroll down to "Free Personal Checking". Branches in the greater NYC area, Long Island, the New Jersey shore, Philadelphia, and southwestern Connecticut.
Ion Bank
Branches in Ansonia, Cheshire, Hamden, Meriden, Middlebury, Naugatuck, Oxford, Prospect, Southbury, Wallingford, Waterbury, Watertown, and Woodbury.

Delaware

Artisans' Bank
Branches throughout the state.
Fulton Bank
Network of banks run as effectively one bank (customers can use any branch, and all banks have identical products): FNB Bank, Fulton Bank, Lafayette Ambassador Bank, Skylands Community Bank, Swineford National Bank, The Bank, and The Columbia Bank. See location map for branches.
M&T Bank
See the branch locator to find locations.

Florida

Ameris Bank
Branches in: southeastern Alabama, northern Florida, throughout Georgia and South Carolina, and one in Franklin, Tennessee. See location map.
Bank of the Ozarks
See location map for branches.
Centennial Bank
Central Arkansas, and much of Florida
Citizens Bank and Trust
Polk County. Branches in Auburndale, Bartow, Lake Wales, Dundee, Frostproof, Haines City, Lakeland, and Winter Haven.
Floridian Community Bank
Broward and Palm Beach counties. Branches in Davie, Delray Beach, Juno Beach, and Wellington.
Space Coast Credit Union
Florida's eastern (Atlantic) coast. Open to residents of Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, and Volusia counties.

Georgia

Ameris Bank
Branches in: southeastern Alabama, northern Florida, throughout Georgia and South Carolina, and one in Franklin, Tennessee. See location map.
Bank of the Ozarks
See location map for branches.
Georgia Bank and Trust
Augusta area
Georgia's Own Credit Union
Atlanta area
Northwest Georgia Bank
Northwest Georgia, and the Chattanooga area of Tennessee.
United Central Bank
See the branch list for locations.

Hawaii

Bank of Hawaii
Branches on Oahu, Maui, Kauai, the Big Island, and Lanai.
First Hawaiian Bank
Branches on Oahu, Maui, Kauai, the Big Island, and Lanai.

Idaho

Bank of Idaho
Southeastern Idaho. Branches in Ashton, Idaho Falls, Island Park, Pocatello, St. Anthony, and Twin Falls.
Banner Bank
See location map for branches.
Idaho Banking Company
Boise area
Washington Trust
Simplicity Checking is the free account (as long as you agree to receive statements electronically). See the location map to find branches.

Illinois

Consumers Credit Union
Chicago suburbs. Branches in Waukegan, Mundelein, Round Lake Beach, Gurnee, North Waukegan, and Volo.
DuPage Credit Union
DuPage county. Branches in Bloomingdale, Downer's Grove, Geneva, Naperville, and Wheaton.
First American Bank
Chicago area
First Northern Credit Union
Chicago area. Branches in Chicago, Evanston, Rockport, and Freeport.
Heartland Bank
Mainly central Illinois, plus a few branches in the Chicago suburbs. Branches in Bloomington, Bushnell, Carlock, Champaign-Urbana, Chenoa, Colchester, Countryside, Delavan, El Paso, Elwood, Eureka, Germantown Hills, Gibson City, Lexington, Mackinaw, Macomb, Metamora, Morton, Normal, Pekin, Peoria, Plainfield, Quincy, Shorewood, Washington, and Western Springs.
North Community Bank
Chicago northside
Republic Bank
Chicago area
Tech Credit Union
Northwest Indiana and parts of northeast Illinois. Open to members from the Indiana counties of Jasper, Lake, Newton, and Porter; and in Illinois, to residents of the Greater Calumet city area, Joliet, Crest Hill, Plainfield, and Grundy or Will counties.
United Central Bank
See the branch list for locations.

Indiana

Finance Center Federal Credit Union
Indianapolis area. Open to people who live or work in Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Marion, Morgan, Putnam, or Shelby counties.
Forum Credit Union
Indianapolis area
Huntington Bank
See the branch locator to find locations.
Regional Federal Credit Union
Northwest Indiana. Branches in Hammond, Portage, and Valparaiso.
Tech Credit Union
Northwest Indiana and parts of northeast Illinois. Open to members from the Indiana counties of Jasper, Lake, Newton, and Porter; and in Illinois, to residents of the Greater Calumet city area, Joliet, Crest Hill, Plainfield, and Grundy or Will counties.

Iowa

Affinity Credit Union
Des Moines
American Trust
Dubuque, Dyersville, and Des Moines
Centris Federal Credit Union
Mainly in the Omaha area. Branches in Omaha, Grand Island, and North Platte, Nebraska, and in Council Bluffs, Iowa.

Kansas

Community Bank and Trust
Greater Joplin area. Branches in Anderson, Carl Junction, Diamond, Granby, Joplin, Neosho, and Seneca, Missouri; and in Galena and Riverton, Kansas.

Kentucky

Huntington Bank
See the branch locator to find locations.

Louisiana

Bank of New Orleans
New Orleans area
First Federal Bank of Louisiana
Mainly in the Lake Charles and Alexandria areas, plus branches in Natchitoches and DeRidder.
Home Bank
New Orleans, Baton Rouge, and Lafayette areas
Red River Bank
Mainly in the Alexandria, Baton Rouge, and Shreveport areas

Maine

Bank of Maine
Branches throughout the state.
Town and Country Federal Credit Union
Portland area

Maryland

First Financial Federal Credit Union of Maryland
Baltimore and the northern suburbs
Fulton Bank
Network of banks run as effectively one bank (customers can use any branch, and all banks have identical products): FNB Bank, Fulton Bank, Lafayette Ambassador Bank, Skylands Community Bank, Swineford National Bank, The Bank, and The Columbia Bank. See location map for branches.
M&T Bank
See the branch locator to find locations.

Massachusetts

Bank Gloucester
Gloucester (Cape Ann)
Berkshire Bank
See loction map for branches.
Brookline Bank
Greater Boston area. Branches in Arlington, Bedford, Boston, Brookline, Burlington, Lexington, Malden, Medford, Needham, Newton, Wellesley, and West Roxbury.
Cambridge Savings Bank
Greater Boston area
City of Boston Credit Union
Boston area. Open to people who live or work in Norfolk or Suffolk counties.
Eagle Bank
Near-northern Boston suburbs. Branches in Everett, Lexington, and Medford.
East Cambridge Savings Bank
Cambridge and the northern Boston suburbs.
Members Plus Credit Union
Inner Boston suburbs. Branches in Dorchester, Medford, Norwood, and Plymouth.
Metro Credit Union
Greater Boston area
Rockland Trust
Branches throughout Eastern Massachusets. Covers most of the Boston suburbs, Providence, and Cape Cod.

Michigan

EECU
South-central Michigan. Branches in Jackson, Spring Arbor, Hillsdale, and Michigan Center.
Huntington Bank
See the branch locator to find locations.
Lake Michigan Credit Union
Mainly in the Grand Rapids area. Also some branches in other parts of western Michigan.
Wanigas Credit Union
Saginaw area. Open to people who live or work in Bay, Clare, Gladwin, Gratiot, Isabella, Midland, Osceola, Saginaw, or Tuscola counties.

Minnesota

Affinity Plus Federal Credit Union
Branches throughout the state.

Missouri

Community Bank and Trust
Greater Joplin area. Branches in Anderson, Carl Junction, Diamond, Granby, Joplin, Neosho, and Seneca, Missouri; and in Galena and Riverton, Kansas.

Nebraska

Centris Federal Credit Union
Mainly in the Omaha area. Branches in Omaha, Grand Island, and North Platte, Nebraska, and in Council Bluffs, Iowa.
Members Own Credit Union
Lincoln and Beatrice
West Gate Bank
Lincoln

Nevada

America First Credit Union
In Nevada, the Las Vegas area and Mesquite. In Utah, most major cities: the Salt Lake City, Ogden-Clearfield, Provo, Logan, and St. George areas.

New Hampshire

St. Mary's Bank
Manchester area. Branches in Manchester, Hudson, Londonderry, Milford, and Nashua.

New Jersey

First Financial
Monmouth and Ocean Counties. Branches in Freehold, Howell, Neptune, Toms River, and Wall.
Fulton Bank
Network of banks run as effectively one bank (customers can use any branch, and all banks have identical products): FNB Bank, Fulton Bank, Lafayette Ambassador Bank, Skylands Community Bank, Swineford National Bank, The Bank, and The Columbia Bank. See location map for branches.
Hudson City
Scroll down to "Free Personal Checking". Branches in the greater NYC area, Long Island, the New Jersey shore, Philadelphia, and southwestern Connecticut.
M&T Bank
See the branch locator to find locations.
New York Community Bank
Greater NYC area. Branches in all five boroughs, plus Long Island, Yonkers, Newark, Union, New Brunswick, etc.
United Central Bank
See the branch list for locations.

New York

Bank of the Ozarks
See location map for branches.
Berkshire Bank
See loction map for branches.
Bethpage Federal Credit Union
Branches throughout Long Island.
Bridgehampton National Bank
Branches throughout Long Island.
CAP COM Federal Credit Union
Albany region, plus a branch in Glens Falls. Open to people who live or work in Albany, Cohoes, Mechanicville, Rensselaer, Schenectady, Troy, Watervliet, or Green Island.
Dime Savings Bank
Branches across Brooklyn and Queens in New York City, and in Nassau.
Hudson City
Scroll down to "Free Personal Checking". Branches in the greater NYC area, Long Island, the New Jersey shore, Philadelphia, and southwestern Connecticut.
M&T Bank
See the branch locator to find locations.
NEFCU
Nassau and Suffolk counties in Long Island.
New York Community Bank
Greater NYC area. Branches in all five boroughs, plus Long Island, Yonkers, Newark, Union, New Brunswick, etc.
Northern Credit Union
Upstate, northwest. Branches in Adams, Carthage, Lowville, Governeur, and Watertown.
Oswego County Federal Credit Union
Upstate, Oswego county.
Qside Federal Credit Union
Open to people who live or work in Flushing, Queens, New York City.
SECNY Federal Credit Union
Upstate, central. Branches in Baldwinsville, Manlius, Skaneateles, and Syracuse.
United Central Bank
See the branch list for locations.

North Carolina

Bank of the Ozarks
See location map for branches.
Mechanics and Farmers Bank
Branches in Charlotte, Durham, Greensboro, Raleigh, and Winston-Salem.

Ohio

Huntington Bank
See the branch locator to find locations.

Oregon

Banner Bank
See location map for branches.
SELCO Community Credit Union
Central and Western Oregon. Branches in Portland, Eugene, Springfield, Albany, Salem, Bend, and Redmond.
Trailhead Credit Union
Portland
Washington Trust
Simplicity Checking is the free account (as long as you agree to receive statements electronically). See the location map to find branches.

Pennsylvania

Fulton Bank
Network of banks run as effectively one bank (customers can use any branch, and all banks have identical products): FNB Bank, Fulton Bank, Lafayette Ambassador Bank, Skylands Community Bank, Swineford National Bank, The Bank, and The Columbia Bank. See location map for branches.
Huntington Bank
See the branch locator to find locations.
M&T Bank
See the branch locator to find locations.
Orrstown Bank
South/central Pennsylvania. Branches in Camp Hill, Carlisle, Chambersburg, Duncannon, Greencastle, Hagerstown, Mechanicsburg, New Bloomfield, Newport, Orrstown, Shippensburg, and Spring Run.
TruMark Financial
Philadelphia area

South Carolina

Ameris Bank
Branches in: southeastern Alabama, northern Florida, throughout Georgia and South Carolina, and one in Franklin, Tennessee. See location map.
Bank of the Ozarks
See location map for branches.

Tennessee

Ameris Bank
Branches in: southeastern Alabama, northern Florida, throughout Georgia and South Carolina, and one in Franklin, Tennessee. See location map.
Berkshire Bank
See loction map for branches.
Cornerstone Financial Credit Union
Nashville suburbs
Northwest Georgia Bank
Northwest Georgia, and the Chattanooga area of Tennessee.
Paragon National Bank
Memphis area

Texas

Amplify Federal Credit Union
Austin area
Austin Telco Federal Credit Union
Austin area
Bank of Texas
Mainly the Dallas/Fort Worth area, plus a branch in Houston.
Bank of the Ozarks
See location map for branches.
City Bank Texas
Mainly Lubbock area, but also College Station, Dallas, El Paso, and Houston.
Community Bank
Longview area
Credit Union of Texas
Dallas area
Neighborhood Credit Union
Dallas area
Randolph-Brooks Federal Credit Union
Austin and San Antonio areas
United Central Bank
See the branch list for locations.

Utah

America First Credit Union
In Nevada, the Las Vegas area and Mesquite. In Utah, most major cities: the Salt Lake City, Ogden-Clearfield, Provo, Logan, and St. George areas.
TransWest Credit Union
Salt Lake City

Vermont

Berkshire Bank
See loction map for branches.

Virginia

Citizens Bank and Trust
Central Virginia. Branches in Amelia, Blackstone, Burkeville, Chesterfield, Colonial Heights, Crewe, Farmville, and South Hill.
Fulton Bank
Network of banks run as effectively one bank (customers can use any branch, and all banks have identical products): FNB Bank, Fulton Bank, Lafayette Ambassador Bank, Skylands Community Bank, Swineford National Bank, The Bank, and The Columbia Bank. See location map for branches.
M&T Bank
See the branch locator to find locations.
Northwest Federal Credit Union
DC suburbs. Branches in Chantilly, Gainesville, Herndon, Leesburg, Manassas, and Vienna.
United Central Bank
See the branch list for locations.

Washington

BECU
Seattle, Tacoma, and the greater Puget Sound area
Banner Bank
See location map for branches.
Salal Credit Union
Seattle area
Seattle Bank
Seattle area
Verity Credit Union
Seattle area
Washington Trust
Simplicity Checking is the free account (as long as you agree to receive statements electronically). See the location map to find branches.

West Virginia

Huntington Bank
See the branch locator to find locations.
M&T Bank
See the branch locator to find locations.

Wisconsin

Landmark Credit Union
Milwaukee area

(Last updated: July 2014)

Disclaimer: This is a personal website with some information I've collected. I'm not a finance or investment professional. You should verify any information here before doing anything important with it.

Contact: mark@pfstuff.com