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Hãy viết đoạn tóm tắt về nội dung bằng tiếng việt kích thích người mua: Best Free Checking Accounts for December 2023

A checking account is an essential financial tool to tap into your funds for everyday expenses. But if your bank charges monthly maintenance fees or requires a minimum balance to remain fee-free, a checking account can end up being costly. 

The best free checking accounts offer more than just a safe place to store your cash without the price tag. They also offer high annual percentage yields and reimbursement for out-of-network ATM fees. Free checking accounts aren’t always easy to find, so we’ve put together a list of the best.

Best free checking accounts

Note: Annual percentage yields, or APYs, shown are as of Dec. 18, 2023. CNET’s editorial team updates this information regularly. APYs may have changed since they were last updated and may vary by region for some products.

More details on the top free checking accounts

APY

APY = Annual Percentage Yield.

Up to 4.00%

Min. deposit to open

$5

Welcome bonus

N/A

Overdraft fees

$30

About the bank

The Consumers Credit Union Serious Interest Checking account offers early direct deposit, unlimited check writing and a competitive APY. You can earn up to 4.00% APY on checking account balances of up to $15,000. But to earn the highest APY, you must have at least 12 posted debit card transactions monthly, a $1,000 average daily balance, a $1,000 minimum recurring monthly direct deposit and be enrolled in e-statements.

More details

• ATMs: 30,000 surcharge-free ATMs
• Number of locations: 5,000 shared branches
• Mobile banking availability: Mobile and online banking services are available
• Membership: Membership eligibility is open to anyone.

About the bank


More details

The Consumers Credit Union Serious Interest Checking account offers early direct deposit, unlimited check writing and a competitive APY. You can earn up to 4.00% APY on checking account balances of up to $15,000. But to earn the highest APY, you must have at least 12 posted debit card transactions monthly, a $1,000 average daily balance, a $1,000 minimum recurring monthly direct deposit and be enrolled in e-statements.

• ATMs: 30,000 surcharge-free ATMs
• Number of locations: 5,000 shared branches
• Mobile banking availability: Mobile and online banking services are available
• Membership: Membership eligibility is open to anyone.

Lake Michigan Credit Union

APY

APY = Annual Percentage Yield.

3.00%

Min. deposit to open

$0

Welcome bonus

N/A

Overdraft fees

$30

About the bank

Lake Michigan Credit Union offers a full suite of banking services in-person and virtually. We like that this credit union offers several free checking account options. The Max Checking account offers a 3.00% APY that’s easy to earn. You’ll just need to receive one qualifying direct deposit, at least 10 debit or credit card transactions, enroll to receive e-statements and login to your bank account at least four times per month. But if you’re not up for meeting monthly requirements, the Free Checking option comes with free starter checks and other basic features — like mobile banking and a debit card. Neither option requires a minimum balance.

More details

• ATMs: 55,000 surcharge-free ATMs in the Allpoint network
• Number of locations: 68 branches
• Mobile banking availability: Mobile and online banking services are available
• Membership: Open to anyone who pays the $5 membership fee

About the bank


More details

Lake Michigan Credit Union offers a full suite of banking services in-person and virtually. We like that this credit union offers several free checking account options. The Max Checking account offers a 3.00% APY that’s easy to earn. You’ll just need to receive one qualifying direct deposit, at least 10 debit or credit card transactions, enroll to receive e-statements and login to your bank account at least four times per month. But if you’re not up for meeting monthly requirements, the Free Checking option comes with free starter checks and other basic features — like mobile banking and a debit card. Neither option requires a minimum balance.

• ATMs: 55,000 surcharge-free ATMs in the Allpoint network
• Number of locations: 68 branches
• Mobile banking availability: Mobile and online banking services are available
• Membership: Open to anyone who pays the $5 membership fee

APY

APY = Annual Percentage Yield.

Up to 3.30%

Min. deposit to open

$50

Welcome bonus

Up to $300

Overdraft fees

$0

About the bank

Axos Bank’s Rewards Checking is a no-fee checking account that offers a competitive APY of up to 3.30% if you meet certain requirements. The account offers unlimited domestic ATM fee reimbursements and you can use Axos’ Personal Finance Manager tool via the app to manage all of your accounts in one place. We also like that you won’t be charged overdraft fees with this account.

You can earn up to a $300 welcome bonus when you open a new Rewards Checking account and have at least $5,000 in qualifying direct deposits each month for the first seven months. You must maintain an average daily balance of $7,000 through March 2024 to qualify (see for more details). You’ll need to submit an application for a new Rewards Checking account by Dec. 31, 2023 to qualify. 

Keep in mind that Axos is an online bank, so you won’t have access to any physical branches, which can make depositing cash more challenging.

More details

• ATMs: Unlimited surcharge rebates from any domestic ATM
• Number of locations: N/A
• Mobile banking availability: Only mobile and online banking services are offered

About the bank


More details

Axos Bank’s Rewards Checking is a no-fee checking account that offers a competitive APY of up to 3.30% if you meet certain requirements. The account offers unlimited domestic ATM fee reimbursements and you can use Axos’ Personal Finance Manager tool via the app to manage all of your accounts in one place. We also like that you won’t be charged overdraft fees with this account.

You can earn up to a $300 welcome bonus when you open a new Rewards Checking account and have at least $5,000 in qualifying direct deposits each month for the first seven months. You must maintain an average daily balance of $7,000 through March 2024 to qualify (see for more details). You’ll need to submit an application for a new Rewards Checking account by Dec. 31, 2023 to qualify. 

Keep in mind that Axos is an online bank, so you won’t have access to any physical branches, which can make depositing cash more challenging.

• ATMs: Unlimited surcharge rebates from any domestic ATM
• Number of locations: N/A
• Mobile banking availability: Only mobile and online banking services are offered

APY

APY = Annual Percentage Yield.

Up to 1.75%

Min. deposit to open

$0

Welcome bonus

N/A

Overdraft fees

$4

About the bank

Connexus offers three checking account options, but we prefer the Xtraordinary account. You’ll get reimbursed up to $25 per statement cycle for ATM surcharges, and free overdraft transfers when you link an account. The account has a solid APY, but requires a minimum of 15 debit card transactions or a net spending total of $400 per month on your debit card for a 1.75% APY on balances up to $25,000. Any portion above $25,000 will earn a 0.25% APY.

More details

• ATMs: 67,000 surcharge-free ATMs
• Number of locations: 5,600 shared branches
• Mobile banking availability: Mobile and online banking services are available
• Membership: Membership eligibility is open to anyone based on Connexus’ eligibility criteria.

About the bank


More details

Connexus offers three checking account options, but we prefer the Xtraordinary account. You’ll get reimbursed up to $25 per statement cycle for ATM surcharges, and free overdraft transfers when you link an account. The account has a solid APY, but requires a minimum of 15 debit card transactions or a net spending total of $400 per month on your debit card for a 1.75% APY on balances up to $25,000. Any portion above $25,000 will earn a 0.25% APY.

• ATMs: 67,000 surcharge-free ATMs
• Number of locations: 5,600 shared branches
• Mobile banking availability: Mobile and online banking services are available
• Membership: Membership eligibility is open to anyone based on Connexus’ eligibility criteria.

APY

APY = Annual Percentage Yield.

1.75%

Min. deposit to open

$0

Welcome bonus

N/A

Overdraft fees

$0

About the bank

The NBKC Everything account is a free checking account that comes with savings features. You can track your savings goals and accounts from the app. Other standard features include automatic bill payments and mobile banking. Customers can also withdraw money at more than 37,000 ATMs and qualify for $12 in ATM fee reimbursements per month.

NBKC has four branches located in Kansas and Missouri, but mobile and online banking services make its free checking Everything Account accessible nationwide.

More details

• ATMs: 37,000 ATMs
• Number of locations: Four
• Mobile banking availability: Mobile banking app available

About the bank


More details

The NBKC Everything account is a free checking account that comes with savings features. You can track your savings goals and accounts from the app. Other standard features include automatic bill payments and mobile banking. Customers can also withdraw money at more than 37,000 ATMs and qualify for $12 in ATM fee reimbursements per month.

NBKC has four branches located in Kansas and Missouri, but mobile and online banking services make its free checking Everything Account accessible nationwide.

• ATMs: 37,000 ATMs
• Number of locations: Four
• Mobile banking availability: Mobile banking app available

APY

APY = Annual Percentage Yield.

0.50%

Min. deposit to open

$0

Welcome bonus

$50 – $250

Overdraft fees

$0

About the bank

SoFi’s checking account automatically comes with a savings account, so you can’t open one without the other. If you set up qualifying direct deposits, you can earn 4.60% APY on your savings account balance and 0.50% APY on your checking account balance. A qualifying direct deposit must be equal to or greater than $5,000 in a single monthly statement period.

This account does include a few perks, including early direct deposit, no monthly fee, overdraft coverage and up to 15% cash back with select retailers. You can also opt to receive up to $2 million in additional FDIC insurance by enrolling in SoFi’s Insured Deposit Program at no extra cost (all accounts are covered by the standard $250,000 of FDIC coverage otherwise).

More details

• ATMs: 55,000 Allpoint ATMs
• Number of locations: N/A
• Mobile banking availability: Mobile and online banking services are available

About the bank


More details

SoFi’s checking account automatically comes with a savings account, so you can’t open one without the other. If you set up qualifying direct deposits, you can earn 4.60% APY on your savings account balance and 0.50% APY on your checking account balance. A qualifying direct deposit must be equal to or greater than $5,000 in a single monthly statement period.

This account does include a few perks, including early direct deposit, no monthly fee, overdraft coverage and up to 15% cash back with select retailers. You can also opt to receive up to $2 million in additional FDIC insurance by enrolling in SoFi’s Insured Deposit Program at no extra cost (all accounts are covered by the standard $250,000 of FDIC coverage otherwise).

• ATMs: 55,000 Allpoint ATMs
• Number of locations: N/A
• Mobile banking availability: Mobile and online banking services are available

APY

APY = Annual Percentage Yield.

0.25%

Min. deposit to open

$25

Welcome bonus

N/A

Overdraft fees

$0

About the bank

Alliant’s 0.25% checking account APY is less impressive than some of the other banks at the top of this list, but it’s much easier to actually earn. To qualify, you need to sign up for e-statements and receive at least one direct deposit each month. The account comes with free overdraft protection, but you’ll need an Alliant savings account to do so. Alliant also offers Courtesy Pay with this account — which covers checks, electronic payments and transfers beyond your overdraft protection – and rebates up to $20 per month in ATM fees charged by non-network vendors.

More details

• ATMs: 80,000 surcharge-free ATMs
• Number of locations: N/A
• Mobile banking availability: Mobile banking app is available
• Membership: Open to current or former employees of Alliant’s US partner businesses.

About the bank


More details

Alliant’s 0.25% checking account APY is less impressive than some of the other banks at the top of this list, but it’s much easier to actually earn. To qualify, you need to sign up for e-statements and receive at least one direct deposit each month. The account comes with free overdraft protection, but you’ll need an Alliant savings account to do so. Alliant also offers Courtesy Pay with this account — which covers checks, electronic payments and transfers beyond your overdraft protection – and rebates up to $20 per month in ATM fees charged by non-network vendors.

• ATMs: 80,000 surcharge-free ATMs
• Number of locations: N/A
• Mobile banking availability: Mobile banking app is available
• Membership: Open to current or former employees of Alliant’s US partner businesses.

APY

APY = Annual Percentage Yield.

Up to 0.25%

Min. deposit to open

$0

Welcome bonus

N/A

Overdraft fees

$0

About the bank

Ally’s Spending Account has perks such as early direct deposit and overdraft protection services. This account also comes with spending buckets to set aside money for ongoing expenses like rent and utilities. You can earn up to 0.25% APY on balances of $15,000 or more, and  balances less than $15,000 earn 0.10% APY.

Ally offers a robust suite of digital services without charging any fees for minimum balances, overdrafts or official checks, and you’ll also enjoy $10 per month in ATM fee reimbursements. You can earn a $200 welcome bonus when you open your first Spending Account if you make at least $1,500 in qualifying direct deposits within the first 90 days. This offer is valid through Nov. 30, 2023.

More details

• ATMs: 43,000 surcharge-free ATMs
• Number of locations: N/A
• Mobile banking availability: Mobile and online banking services are available
• Welcome bonus: Earn a $200 welcome back bonus when you open your first Spending Account by Nov. 30, 2023

About the bank


More details

Ally’s Spending Account has perks such as early direct deposit and overdraft protection services. This account also comes with spending buckets to set aside money for ongoing expenses like rent and utilities. You can earn up to 0.25% APY on balances of $15,000 or more, and  balances less than $15,000 earn 0.10% APY.

Ally offers a robust suite of digital services without charging any fees for minimum balances, overdrafts or official checks, and you’ll also enjoy $10 per month in ATM fee reimbursements. You can earn a $200 welcome bonus when you open your first Spending Account if you make at least $1,500 in qualifying direct deposits within the first 90 days. This offer is valid through Nov. 30, 2023.

• ATMs: 43,000 surcharge-free ATMs
• Number of locations: N/A
• Mobile banking availability: Mobile and online banking services are available
• Welcome bonus: Earn a $200 welcome back bonus when you open your first Spending Account by Nov. 30, 2023

APY

APY = Annual Percentage Yield.

0.15%

Min. deposit to open

$1

Welcome bonus

N/A

Overdraft fees

$0

About the bank

FNBO Direct’s Online Checking is a no-fee account with a few basic features. You’ll get automatic bill pay, free incoming wire transfers and mobile banking. And any balances over 1 cent are eligible to earn the 0.15% APY. However, if you use printed checks often, this may not be the best fit, since FNBO Direct no longer offers paper checks.

More details

• ATMs: Worldwide access to more than 2 million ATMs, third party fees may apply
• Number of locations: N/A
• Mobile banking availability: Mobile and online banking services are available

About the bank


More details

FNBO Direct’s Online Checking is a no-fee account with a few basic features. You’ll get automatic bill pay, free incoming wire transfers and mobile banking. And any balances over 1 cent are eligible to earn the 0.15% APY. However, if you use printed checks often, this may not be the best fit, since FNBO Direct no longer offers paper checks.

• ATMs: Worldwide access to more than 2 million ATMs, third party fees may apply
• Number of locations: N/A
• Mobile banking availability: Mobile and online banking services are available

APY

APY = Annual Percentage Yield.

0.10%

Min. deposit to open

$0

Welcome bonus

N/A

Overdraft fees

$0

About the bank

Capital One may be best-known for its credit cards, but this big bank also offers a range of banking products. Its 360 Checking account doesn’t have a minimum deposit requirement or a monthly maintenance fee and there are no fees for overdraft protection. . This account only offers 0.10% APY on all balances, but Capital One operates physical branches and Capital One Cafés in some states. We also like that you can also deposit cash to your account at any CVS location.

Capital One is currently offering a $350 bonus when you open a new 360 Checking account by October 18. You have to enter the promo code BONUS350 upon opening the account. And you have to set up and receive at least two qualifying direct deposits, of at least $250 each, within the first 75 days of opening the account.

More details

• ATMs: 70,000 fee-free ATMs
• Number of locations: 292 locations including nearly 30 Capital One Cafes
• Mobile banking availability: Mobile and online banking services are available
• New account bonus: Earn a $350 new account bonus when you open a new 360 Checking account and meet the listed requirements

About the bank


More details

Capital One may be best-known for its credit cards, but this big bank also offers a range of banking products. Its 360 Checking account doesn’t have a minimum deposit requirement or a monthly maintenance fee and there are no fees for overdraft protection. . This account only offers 0.10% APY on all balances, but Capital One operates physical branches and Capital One Cafés in some states. We also like that you can also deposit cash to your account at any CVS location.

Capital One is currently offering a $350 bonus when you open a new 360 Checking account by October 18. You have to enter the promo code BONUS350 upon opening the account. And you have to set up and receive at least two qualifying direct deposits, of at least $250 each, within the first 75 days of opening the account.

• ATMs: 70,000 fee-free ATMs
• Number of locations: 292 locations including nearly 30 Capital One Cafes
• Mobile banking availability: Mobile and online banking services are available
• New account bonus: Earn a $350 new account bonus when you open a new 360 Checking account and meet the listed requirements

What is a free checking account?

Some checking accounts require a  minimum deposit that you must maintain for a month or longer. If not, you’re charged a fee, said Bola Sokunbi, founder of Clever Girl Finance. “So you definitely want to looking at free checking accounts that don’t have any fees associated with them. It can cost you a lot of money or you can save a lot of money.”

By law, if a bank or credit union advertises a checking account as “free,” you will never see any of the following fees on your statements:

• Minimum balance fees
• Transaction or service fees
• Monthly service fees
• Withdrawal or transfer fees

Do free checking accounts charge any other fees?

But opening a free checking account doesn’t get you off the hook completely for fees. Financial institutions with free checking accounts may still charge for other services, though the amount will vary by bank and account type. Here are some common fees you should still look out for with free checking accounts: 

• ATM fees
• Overdraft fees
• Bounced check fees
• Balance inquiry fees
• Account research fees
• Stop payment fees
• Wire transfer fees
• Check printing fees

How to choose a free checking account

Before you commit to a free checking account, consider the following questions:

Do you prefer in-person banking? 

Some of the best free checking accounts are at online-only banks. Because they don’t have to maintain physical branches, online-only banks often pass on lower fees and higher APYs to customers. If you need in-person banking services, consider physical branches nearby or opening multiple checking accounts. Regardless, you should make sure you are comfortable with the bank’s customer service options to get help when you need it, Sokunbi said. 

Do you prefer to keep all your finances under the same roof? 

While you can certainly keep a checking account at one bank and have savings, investments and loans elsewhere, keeping all your finances with the same bank can be more convenient and rewarding. Some banks and credit unions also offer interest rate discounts on home and auto loans for existing customers.

Are there sign-up bonus offers? 

Many banks offer new account bonuses as long as you meet the criteria. While earning a new account bonus can be a great incentive, we don’t recommend picking a bank solely based on a one-time offer. Instead, make sure the bank has the features, accounts and services you need to manage your money in the long term.

Do you need certain features? 

Most checking accounts have standard features, such as direct deposit and check writing capabilities, Sokunbi said. But some checking accounts offer convenient services and features. For example, bill pay features to connect your utility accounts and schedule automated payments.

Pros and cons of a free checking account

A free account is usually worth it, but you might be skipping out on other features offered through accounts that charge fees. Make sure you’re considering the potential drawbacks before opening a free checking account. Here are a few common pros and cons:

Pros

• No or low monthly maintenance fees

• No or low minimum balance requirements

• Interest-earning potential at some banks and credit unions

• Sign-up bonuses may be available

• Most come with free overdraft protection

• Many offer early direct deposit

• Low or no minimum deposit requirements

Cons

• Most are at online banks, with no physical branch access

• Some have additional requirements to earn a competitive APY

How to earn a competitive yield on a free checking account 

Earning a competitive APY on a free checking account often requires you to meet certain qualifications. For example, Axos Bank offers up to 3.30% APY, but only if you can follow a somewhat convoluted path to hitting that top rate: 0.40% for direct deposit, 0.30% for debit card spending, 1.00% for having $2,500 in a managed portfolio account, 1.00% for having $2,500 in a self-directed trading account and 0.60% for making payments on a loan with the bank from your checking account. 

Not all banks have as many requirements, but if you want to earn interest on your deposits, check out the details closely.  If you are unsure, you can ask the bank’s customer service to confirm. Lastly, make sure to see if there is a specific balance amount to earn interest.

How to open a free checking account

You can typically open a free checking account online or in person in a matter of minutes. You’ll need to fill out an application with personal information, such as your full name, date of birth, Social Security number (or Taxpayer Identification number), mailing address, email address and phone number. 

Once you open the account, you’ll need to deposit funds. Not every bank requires a minimum deposit, but this figure can range from $0 to more than $100. The banks on our list don’t exceed a $50 minimum deposit requirement.

If your free checking account is with an online bank, you’ll need to fund your account by initiating a bank-to-bank transfer, mailing a cashier’s check or visiting an in-network ATM that takes cash deposits. Just keep in mind some online banks don’t allow cash deposits. 

FAQs

What do you need to open a checking account?

To open a checking account with a US-based bank, you need: 

1. A Social Security number or Taxpayer Identification Number.
2. Government-issued proof of identity and legal residency or citizenship such as a driver’s license, passport or state ID. The bank will also ask for basic contact information, like your phone number, email and physical address.
3. Where applicable, a minimum deposit.

What are the minimum deposit and balance requirements?

Free checking accounts vary in the minimum deposit required to open an account. In our list above, that ranges from $0 to $50. Each bank’s requirements can vary based on its business model and marketing efforts.

A checking account that requires a minimum balance — the amount you must keep in the account to avoid service fees — isn’t a free checking account.

Do free checking accounts have overdraft protection?

Overdraft protection is a service offered by banks to cover the cost of transactions that exceed an account’s available balance. Banks can charge a monthly or per-transaction fee for this service. Some banks that offer no-fee checking accounts will include overdraft protection at no additional cost by automatically transferring money from a linked savings account to cover the transaction. Others may waive one per year as an overdraft forgiveness service. 

An overdraft protection service can be valuable, as the average overdraft fee of $30 per transaction can quickly add up.

How can you avoid hidden fees?

When opening any account, review the account disclosures completely to understand the terms and conditions associated with the new account. Sticking with accounts advertised as free checking accounts will help you avoid taking on unknown fees. 

Free checking accounts may charge fees for services such as official check writing. This will all be listed in the account disclosures. If you’re in doubt, schedule a call with your customer service representative or personal banker to review all potential fees you may incur.

Methodology

CNET reviewed checking accounts based on the latest APY information, fees charged and services offered from issuer websites. We evaluated checking accounts from among more than 50 banks, credit unions and financial companies. We selected the accounts that were no-fee checking with the highest APY and were insured up to $250,000 from among the organizations we surveyed.

The banks, credit unions and neobanks we reviewed include: Alliant Credit Union, Ally Bank, America First Credit Union, American Express National Bank, Axos Bank, Bank of America, Bank of the West, Bank5 Connect, Barclays, BMO Harris, Bread Savings, BrioDirect, Capital One, CFG Community Bank, Citizens Access, Colorado Federal Savings Bank, Connexus Credit Union, Consumers Credit Union, Credit One Bank, Discover Bank, First Internet Bank of Indiana, First Tech Federal Credit Union, FNBO Direct, GO2bank, Golden 1 Credit Union, HSBC Bank, Huntington Bank, Lake Michigan Credit Union, LendingClub Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Merrick Bank, Nationwide (by Axos), Navy Federal Credit Union, NBKC, OneUnited Bank, Pentagon Federal Credit Union, PNC, Popular Direct, PurePoint Financial, Quontic Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Synchrony Bank, TAB Bank, TD Bank, TIAA Bank, Truist Bank, U.S. Bank, UFB Direct, Union Bank, USAA Bank, Vio Bank and Wells Fargo.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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