No minimum balance. Pure
and simple.
Low monthly maintenance fee
Go Bank is a lesser-known bank that also allows it customers to open a checking account online with no deposit as long as you also set up direct deposit with that account. If you don’t set up direct deposit, Go Bank will charge you a yearly membership fee. Ally Bank offers an Interest Checking account with no minimum deposit to open or monthly maintenance fee. And even though it's not much, it offers 0.10 percent APY on balances under $15,000. Ally Bank Interest Checking Account. The online checking account offered by Ally Bank is another fee-free option. There is no monthly maintenance fee or minimum balance requirement, and no minimum. Pay your bills, get cash, make deposits, and transfer money–all without monthly fees and extra trips to the bank. You can open a checking account online and manage your account securely by signing in on your phone or computer, instead of waiting for the bank. The following two banks are fee-free, require no minimum deposit and pay interest on your checking account balance: Capital One 360 Checking Capital One 360 checking account is great because it charges you no fees, has no minimum balance requirements and will even pay you simple interest on your balance.
just $5.99 with no minimum balance
On-the-go banking
Free Online Checking Account With No Deposit
with every TD Bank checking account
Banking simplified
- No minimum balance
- Low, predictable monthly maintenance fee of just $5.99
Legendary convenience
- Free access at thousands of TD ATMs in the U.S. and Canada
- TD Bank Visa® Debit Card available on-the-spot
- Open early. Open late. Most locations open 7 days
Save money
- Discount on your first order of checks
- Rate discounts on TD Bank home loans – .25% off home equity line of credit1
On-the-go banking
- Free Mobile Banking with Mobile Deposit2
- Online Banking and free Bill Pay with e-bills
- Free online statements with check images
- Live Customer Service 24/7
Checkouts just got easier.
Pay with your TD Bank Debit Card
- In person
- Online or over the phone
- In apps or app stores
- Using your digital wallet
Open an account
Apply online
minutes or less.
Call us
Apply in person
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ExpandImportant Disclosures
1Loans subject to credit approval. Relationship discount may be terminated and the interest rate may increase upon closure of the qualifying personal checking account.
2TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
Compare | CheckingSM | |||||
|---|---|---|---|---|---|---|
| Monthly maintenance fee | with a minimum daily balance of $100 —OR— $15 | with a minimum daily balance of $2,500 —OR— $25 | with a $20,000 minimum combined deposit, outstanding loan and/or mortgage balance (excludes credit card) —OR— $25 | with a minimum daily balance of $250 —OR— $10 | ||
| Earns interest | ||||||
| Checks | ||||||
| Online statements | ||||||
| Paper statements | (Paper statements are optional for Online Banking customers) | (Paper statements are optional for Online Banking customers) | (Paper statements are optional for Online Banking customers) | |||
| ATM fees | Other banks' ATM fees reimbursed with a minimum daily balance of $2,5001 | Other banks' ATM fees reimbursed with a minimum daily balance of $2,5001 | ||||
| Overdraft protection | ||||||
| Free with this account | Official bank checks Stop payments Incoming wire transfers | Official bank checks Stop payments Incoming wire transfers No monthly maintenance fee on savings accounts and one additional checking account | Official bank checks |
Free Mobile Banking with Mobile Deposit3
Online Banking and free Bill Pay with e-bills
TD Bank Debit Card available on-the-spot
Live Customer Service 24/7
Free access at thousands of TD ATMs in the U.S. and Canada
Flexible ways to Send Money via text or e-mail and make internal and external transfers3
Free online statements with check images
Rate discounts on TD Bank home loans - .25% off home equity line of credit4
Choice of overdraft services available
Open early. Open late. Most locations open 7 days
Alternate format statements available, learn more about TD Bank accessibility options.
Checkouts just got easier.
Pay with your TD Bank Debit Card
- In person
- Online or over the phone
- In apps or app stores
- Using your digital wallet
Open an account
Apply online
minutes or less.
Call us
help you over the phone.
Apply in person
Free Online Checking Account No Deposit Open
ExpandImportant Disclosures
1Non-TD fees reimbursed when minimum daily balance is at least $2,500 in checking account. For non-TD ATM transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.
2TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
3Send Money is available for most personal checking and money market accounts. External transfer services are available for most personal checking, money market and savings accounts. To use either of these services you must have an Online Banking profile with a U.S. address, a unique U.S. phone number, an active unique e-mail address, and a Social Security Number. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. To perform instant transfers a TD Bank Visa® Debit Card is required. Fees may apply depending on delivery options.
4Loans subject to credit approval. Relationship discount may be terminated and the interest rate may increase upon closure of the qualifying personal checking account.
©2019 Visa U.S.A. Inc.
(in 7 minutes or less)
Which Banks Offer Free Checking Accounts
You might also be interested in:
- TD Debit Card AdvanceSM: a discretionary overdraft service
(Important Information about TD Debit Card Advance)
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Special offer for you
New Chase checking customers: Click 'Redeem offer' to get $100 when you open a new Chase Secure Banking℠ account with qualifying activities.
- Overview
- Benefits
- Open account
Which Banks Have Free Checking Accounts
Chase Secure Banking℠
Secure Banking customers told us they save an average of $50 a month on fees after opening their account. Pay bills, cash checks, and send money – all for a low $4.95 monthly service fee.
Account subject to approval. See account details (PDF).
Account details
No fees on most everyday transactions
- No overdraft fees –we help you spend only what you have.
- No fees to cash checks.
- No fees to pay bills with
Chase Online℠ Bill Pay. - No fees to send money using Chase QuickPay® with Zelle®.
- No fees on money orders or cashier’s checks.
- No fees at Chase ATMs. You may be charged to use non-Chase ATMs.
Stay in control of your money
- No paper checks to track.
- Set up alerts to monitor your balance, deposits, and more.
- Securely lock and unlock your debit card if you misplace it.
- Get reimbursed for unauthorized card transactions when reported promptly with Zero Liability Protection.
- Schedule an in-person or virtual meeting with us to discuss your financial goals.
Bank from virtually anywhere
- Access cash from nearly 16,000 ATMs.
- Get support from our bankers at more than 4,700 branches. Find one near you.
- Check your balance, pay bills, deposit checks with Chase Online℠ and the Chase Mobile® app.
Additional benefits from Chase
- Access your free credit score and get alerts to help you identify fraud with Chase Credit Journey.
- Get access to Chase First Banking, an account to help parents teach teens and kids about money. Learn more.
- Add deals from merchants you love and earn statement credit with Chase Offers.
Certified low-cost account
Banks With Free Checking Accounts With No Deposit
Chase Secure Banking has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2019.
Get started with Chase Secure Banking
No minimum deposit to open.
Still need help choosing the best checking account for you?
Learn more about other Chase checking accounts
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Banks With Free Checking Accounts With No Deposit Fee
Contact any of our branches to schedule a meeting to speak with a banker for guidance