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Free Checking Accounts

Free checking accounts at brick-and-mortar banks in the United States. These are completely free, meaning that there is never a monthly fee, without minimum-balance or direct-deposit requirements or anything else. Unfortunately, many large banks that previously offered free checking stopped doing so. This list collects the larger national or regional banks that still do.

In addition to the large banks on this page, you may also want to consider:

The information in the table below was last verified in January 2014.

Bank Account-opening bonus? ATM rebates? Notes
Ameris Bank
Branches in Alabama, Florida, Georgia, South Carolina, and Tennessee.
Bank of the Ozarks
Branches in Alabama, Arkansas, Florida, Georgia, New York, North Carolina, South Carolina, and Texas.
Banner Bank
Branches in Idaho, Oregon, and Washington.
Berkshire Bank
Branches in Connecticut, Massachusetts, New York, Tennessee, and Vermont.
First Bank
Branches in Arizona, California, and Colorado.
Fulton Bank and affiliates
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. Branches in Delaware, Maryland, New Jersey, Pennsylvania, and Virginia.
Hudson City
Branches in Connecticut, New Jersey, and New York. (Scroll down to "Free Personal Checking".)
Huntington Bank
Branches in Indiana, Kentucky, Michigan, Ohio, Pennsylvania, and West Virginia.
M&T Bank
Branches in Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, Washington, D.C., and West Virginia.
United Central Bank
Branches in California, Georgia, Illinois, New Jersey, New York, Texas, and Virginia.
Washington Trust
Branches in Idaho, Oregon, and Washington. Simplicity Checking is the free account (as long as you agree to receive statements electronically).

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