Free Checking Accounts

Alabama ↑

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.
FirstBank: Branches throughout Tennessee, plus a few in North Georgia and North Alabama.

Alaska ↑

Northrim Bank: Branches in Anchorage, Eagle River, Fairbanks, Juneau, Ketchikan, Sitka, and Wasilla.

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 ↑

Amalgamated Bank: Branches in Los Angeles, New York City, and Washington, D.C.
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.
Hanmi Bank: See the branch list for locations.
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

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.
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.

Florida ↑

Bank of the Ozarks: See location map for branches.
Centennial Bank: Central Arkansas, and much of Florida
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 ↑

Bank of the Ozarks: See location map for branches.
FirstBank: Branches throughout Tennessee, plus a few in North Georgia and North Alabama.
Georgia's Own Credit Union: Atlanta area

Hawaii ↑

Bank of Hawaii: Branches on Oahu, Maui, Kauai, the Big Island, Lanai, and Molokai.
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.
D.L. Evans Bank: Branches in Albion, Boise, Burley, Caldwell, Eagle, Hailey, Idaho Falls, Jerome, Ketchum, Meridian, Nampa, Pocatello, Rupert, and Twin Falls.
Washington Trust: Simplicity Checking is the free account (as long as you agree to receive statements electronically). See the location map to find branches.
Zions Bank: Branches throughout both Utah and Idaho.

Illinois ↑

Byline Bank: Chicago area
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.
Hanmi Bank: See the branch list for locations.
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.
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.

Indiana ↑

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 ↑

First Federal Bank of Louisiana: Mainly in the Lake Charles and Alexandria areas, plus branches in Natchitoches and DeRidder.
Gulf Coast Bank: Branches in the New Orleans metropolitan area and Baton Rouge.
Hibernia Bank: New Orleans
Red River Bank: Mainly in the Alexandria, Baton Rouge, and Shreveport areas

Maine ↑

Camden National Bank: 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.

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 ↑

Community Choice Credit Union: Detroit suburbs.
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.
First State Bank of Wyoming: Chicago County. Branches in Wyoming and Stacy.

Mississippi ↑

Gulf Coast Community Federal Credit Union: Branches in Gulfport and Bay St. Louis.
Magnolia Federal Credit Union: Branches in Jackson, Madison, and Brandon.
PriorityOne Bank: Branches mainly in Jackson, and southeast along US-49 towards Hattiesburg.

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.

Montana ↑

Billings Federal Credit Union: Billings
First Interstate Bank: Branches throughout Montana, Wyoming, and South Dakota.
First Security Bank: Main office in Bozeman. Branches in Belgrade, Big Sky, Fort Benton, Three Forks, and West Yellowstone.
Glacier Bank: Branches throughout western Montana
Montana Federal Credit Union: Great Falls area
Three Rivers Bank of Montana: Kalispell

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
Pinnacle Bank: Branches throughout Wyoming: Cheyenne, Cody, Gillette, Lingle, Moorcroft, Newcastle, Powell, Thermopolis, Torrington, and Worland. And a branch across the state line in Mitchell, Nebraska.
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.
Great Basin Federal Credit Union: Reno and Sparks

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.
Hanmi Bank: See the branch list for locations.
New York Community Bank: Greater NYC area. Branches in all five boroughs, plus Long Island, Yonkers, Newark, Union, New Brunswick, etc.

New Mexico ↑

Citizens Bank of Las Cruces: Las Cruces
Pioneer Bank: Roswell
Southwest Federal Credit Union: Albuquerque and Farmington

New York ↑

Amalgamated Bank: Branches in Los Angeles, New York City, and Washington, D.C.
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.
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.

North Carolina ↑

Bank of the Ozarks: See location map for branches.
Coastal Credit Union: Branches mainly in the greater Raleigh-Durham area.
Pinnacle Financial: Branches throughout the region.

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.
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 ↑

Bank of the Ozarks: See location map for branches.
Pinnacle Financial: Branches throughout the region.

South Dakota ↑

First Interstate Bank: Branches throughout Montana, Wyoming, and South Dakota.

Tennessee ↑

Berkshire Bank: See loction map for branches.
Cornerstone Financial Credit Union: Middle Tennessee, Nashville suburbs
FirstBank: Branches throughout Tennessee, plus a few in North Georgia and North Alabama.
Paragon National Bank: Memphis area
Pinnacle Financial: Branches throughout the region.

Texas ↑

Amplify Federal Credit Union: Austin area
Austin Telco Federal Credit Union: Austin area
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
Hanmi Bank: See the branch list for locations.
HomeTown Bank: Galveston and the southeast Houston / Clear Lake area.
Neighborhood Credit Union: Dallas area
Randolph-Brooks Federal Credit Union: Austin and San Antonio areas

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
Zions Bank: Branches throughout both Utah and Idaho.

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.
Hanmi Bank: See the branch list for locations.
Northwest Federal Credit Union: DC suburbs. Branches in Chantilly, Gainesville, Herndon, Leesburg, Manassas, and Vienna.
Pinnacle Financial: Branches throughout the region.

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.

Wisconsin ↑

Landmark Credit Union: Milwaukee area

Wyoming ↑

First Interstate Bank: Branches throughout Montana, Wyoming, and South Dakota.
Pinnacle Bank: Branches throughout Wyoming: Cheyenne, Cody, Gillette, Lingle, Moorcroft, Newcastle, Powell, Thermopolis, Torrington, and Worland. And a branch across the state line in Mitchell, Nebraska.

(Last updated: January 2018)