Skip to content


Open a bank account online with no opening deposit

open a bank account online with no opening deposit

Our Classic Checking account features no monthly fees, no low-balance you open a new America First account, we'll match your initial deposit up to $! No Minimum Balance Requirement; No Monthly Service Fee; Free Person-to-Person Can I open a bank account online for free with Space Coast Credit Union? Every First Financial Bank checking account comes with the same great free checks will be mailed to you within two weeks after you open your account.

: Open a bank account online with no opening deposit

Rabobank secure login
Open a bank account online with no opening deposit
How to get a new edd debit card
Regions bank 24 hour number

Related Videos

Fi Money Bank Account Opening - Best zero balance bank account with video kyc - FREE VISA Debit Card Best No ChexSystems Small Business Banking
Nearside is a fast-growing company built specifically around business banking solutions for entrepreneurs and small business owners. In addition to dramatically streamlining the application process, Nearside requires no minimum deposit, doesn’t check your credit, and has no monthly maintenance fees. Here&#;s a recap:
  • FREE business Mastercard debit card
  • FREE access at over 55, ATMs nationwide
  • FREE online and mobile app
  • FREE cashback and rewards program
  • NO minimum deposit is required when you apply
  • NO monthly fee
  • NO NSF fees
  • NO card replacement fees
  • NO ACH transfer fees

Banking Services

Transferring money is easy with Nearside using ACH, bill pay, or paper check. And you can deposit checks using the Nearside app. Need cash? Get it at over 55, ATMs. We also like that there are no NSF fees on the account. If you lose your debit card, Nearside will replace it free of charge. Finally, you can link your Nearside debit card to Apple Pay or Google Pay and monitor all your transactions from the Nearside app.

Rewards Program

Cashback and rewards programs can save you a ton of money when you use your Nearside debit card. You can save 5% cashback on car rentals, 4% on hotels and dining, 3% on business vendor spending, and 1% on gas. Nearside Perks is a discount program offered when you use such services as Quickbooks, Constant Contact, Yelp, Indeed, Square, and many more.

Application Process

Nearside targets account approvals within one business day. Information required to open an account includes name, address, and social security number or tax identification number. If applicable, Nearside may ask for a copy of your business license and business formation documents. They do not check your credit or use ChexSystems.

Nearside is one of the most competitive business bank accounts for entrepreneurs and small business owners. Their combination of services and offerings, the fast application process, and customer support create an outsized competitive advantage for both the bank and its customers. Every small business owner understands how critical that is for success.

Get an account now!

Current is another web-only national bank that has some really great features&#; and has become one of the fastest-growing checking accounts for consumers who want it all without all the costs and hassles.

Why are we featuring Current on our website? It&#;s simple: they don&#;t use ChexSystems or your credit report to open a new account. Sign-up takes about 2 minutes and Current has extremely high acceptance rates. But what&#;s really cool are the incredible features offered with this account:

  • NO minimum balance
  • NO overdraft fees when you overdraw by up to $ with Overdrive&#x;
  • NO fees at over 40, ATMS in the U.S.
  • Get your paycheck up to 2 days early with direct deposit
  • Earn points for unlimited cashback at participating retailers
  • Send money instantly for free
  • An elegant but simple smartphone app
  • 24/7 member support

Current offers a really unique service it calls Gas Hold Removals. What&#;s a gas hold? Some gas stations may apply a hold from $50 to $ when you use a debit card to pump gas. If you only pumped $10 of gas, but the gas station places a $ hold on your funds, you won&#;t have access to the $90 difference for up to 3 business days! The Current debit card will immediately refund the hold so you have access to all your funds. We haven&#;t found that benefit anywhere in the marketplace.

Here&#;s what&#;s really important, though. Deposits are FDIC-insured up to the highest possible amount allowed: $, We love the features, we love the smartphone app, and we love Current. That makes us think you&#;ll love them too.

Get a Current Account Now!

The SoFi Money Central bank of oklahoma locations Management Account is offered by SoFi Securities LLC, a FINRA registered broker dealer. It&#;s a checking account on steroids and we love that. Plus, they don&#;t use ChexSystems to approve accounts. When you sign up and deposit at least $10 within 5 days, SoFi will deposit an additional $25 in your account immediately!

You get a debit MasterCard and a very slick smartphone app. You can make deposits, write checks, utilize electronic bill pay, and transfer money. There are no monthly fees or overdraft fees. Plus, you earn interest on all the money in the account! The sign-up process can take less than 60 seconds.

There is no minimum balance requirement and SoFi Money is available in all 50 states.

  • No account fees
  • Unlimited reimbursed ATM fees
  • Access to SoFi member benefits like career coaching and financial advising
  • Automated bill pay
  • Freeze debit card on-the-go

Gena M., SoFi Money Customer

Get a SoFi Account Now!

Acorns Spend is another of our favorite second chance bank accounts. As a company built to compete with the largest banks, Acorns offers open a bank account online with no opening deposit extraordinary benefits.

We love the heavy metal tungsten Visa debit card and the world-class smartphone app that allows you to manage every aspect of your budgeting, spending, and security.

Another nice option is the ability to round up on every purchase and Acorns will take that money and automatically put it signal corps keyer tg 34 a a savings account. This really helps build a nest egg.

It takes about minutes to sign up and not only do you get a checking and savings account, but you also have access to an investment account once you&#;re ready to consider that. And, it&#;s free.

Here&#;s more:

  • FREE Visa® debit card
  • FREE bank-to-bank transfers
  • FREE physical check sending online or through the mobile app
  • FREE mobile check deposits
  • FREE or reimbursed ATM withdrawals nationwide
  • NO minimum balance of overdraft fees
  • NO credit check; ChexSystems OK
  • FDIC insured

There is a $3 monthly fee that is easily covered by the ATM fee reimbursement and other goodies included with the account.

If you&#;ve struggled with poor credit or ChexSystems, Acorns might be the perfect account.

Learn More

Want A Local Bank or Credit Union? Here&#;s The List of Best Second Open a bank account online with no opening deposit Banks and Credit Unions in Every State.

Unfortunately, most major banks don’t offer second chance checking. However, many community banks and credit unions have them under various names, such as Opportunity Checking and Fresh Start Checking.

Some banks and credit unions offer so-called second chance checking accounts to help people rebuild their credit and financial histories. These accounts usually carry monthly fees and come with a few other requirements, such as participating in a financial literacy or money management class. An account holder might also not be eligible for overdraft protection, since second chance banking serves as a way to prevent overdrawing an account altogether.

Additional Chime Disclaimers:Back to Chime Review
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1Eligibility requirements apply. Overdraft only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $ by Chime. See
2Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Cash deposit or other third party fees may apply.
3Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. See your issuing bank’s Deposit Account Agreement for full Pay Friends Transfers details
4The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, No minimum balance required. Must have $ in savings to earn interest.
5Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.


Interest Checking Account

make everyday banking count.

Annual Percentage Yield

%Less than $15, minimum daily balance

A checking account that gives you more.

We reward you for banking with us, not the other way around. 

Deposit checks remotely.

With Ally eCheck Deposit℠ you can deposit checks right from your smartphone. Just snap a photo and you’re good to go. Plus, watch your money grow fast with interest compounded daily. 

Move money easily.

Send and receive money with people you know using Zelle®, without monthly maintenance or service fees.

Save when you spend with Round Ups.

Access a special savings booster when you have a checking and Online Savings Account with us. We’ll track transactions we can round up to the nearest dollar, then transfer to your savings.

Features offered with every Ally Interest Checking account.

Open in the name of a Trust.

Offer flexibility and security for the ones you care about most. 

Your money, FDIC-insured.

Deposits are insured by the  FDIC up to the maximum allowed by law.

No monthly maintenance fees.

Don’t expect any sneaky monthly maintenance fees with us.

No minimum balance requirements. Ever.

Open your account with any amount. Plus, we don’t penalize you or charge fees based on your balance.

43,+ no-fee Allpoint® ATMs.

Use any Allpoint® ATM in the U.S for free, and we reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide.

Debit card controls.

Define how, when, and where your Ally Bank debit card is used.

Get more for your money.

Compare the cost of banking somewhere else.

What you should know.

Our Annual Percentage Yields (APYs) are accurate as of. Keep in mind, these rates are variable and may change after the account is open. Fees may reduce earnings. The APYs for other banks are provided by and are accurate as of. The APYs in this table are for the state of California.

Fees, a short story.

You shouldn't be nickel and dimed for using your own money.

There's a lot we don't charge for

and we won't hide the fees we do have.

Bank better, starting now.

It only takes a few minutes to open an account.

1. Tell us about yourself.

We'll need some personal details like your address, contact information and social security number.

2. Fund your account.

There’s no minimum amount to open an account, but the faster you fund, the sooner you’ll earn open a bank account online with no opening deposit src="" alt>

3. Enjoy our award-winning experience.

Get online access right away and explore everything we offer as well as other ways we can help you reach your goals.

Build a better financial future.

Whether you’re just open a bank account online with no opening deposit out home remedies for flu nearing retirement, we’ve got resources and tools to help you at any life stage.

Explore Life Stages

The reviews are in.

People like it here. We think you will, too.

Average Rating


  • No. We don't accept cash deposits. However, there are several ways you can make a deposit into your account.

    • Remote check deposit with Ally eCheck Deposit℠
    • Online transfers and direct deposit
    • Wire transfers and mail
  • You can access your account, make payments or move your money from your computer or mobile device. You can also:

    • Use a debit card or checks for purchases and payments
    • Make payments using free online Bill Pay
    • Get cash back when you shop with your debit card
    • Get cash from an ATM (To find a nearby ATM, use the Ally ATM & Cash Locator)
    • Transfer money between your Ally accounts
    • Transfer money from your Ally accounts to accounts you have at other institutions
    • Submit a wire transfer request online
    • Call us to get a cashier's check
  • There are six ways to add money to your account:

    • Transfer money online between Ally Bank accounts and accounts you have at other institutions
    • Deposit a check with Ally eCheck Deposit℠
    • Use direct deposit to set up your paycheck or Social Security deposits. Download form
    • Wire transfer
    • Checks sent by U.S. mail (Please don't send cash)
  • Your debit card and initial check order will arrive in the mail within 10 business days after we receive your opening deposit.

    When re-ordering standard checks, after you submit the request your checks should arrive in 10 business days.

    Please call us at if you don't receive your debit card or checks within 10 business days.

  • Online transfers between Ally Bank accounts are immediate.

    Standard transfers between Ally Bank and non-Ally Bank accounts, requested before 1 am ET Monday – Friday, will take 3 business days.

    Keep in mind, transfers between banks aren’t processed on weekends and federal holidays, so transfers take longer at those first citizens bank main street columbia sc Transfers

    Transfers eligible for next-day delivery between Ally Bank and non-Ally Bank accounts, requested before pm ET Monday – Friday, will take 1 business day.

    We determine eligibility for next-day transfers based on account tenure (so new accounts aren’t eligible), account activity, and transfer activity such as overdrafts and returns. To combat fraud, we are selective about when we offer next-day transfers.

    You will not be charged a fee for standard or next-day transfers.

    Learn more about transfers in our  Transfers Tutorial.


The Best Checking Accounts for Bad Credit

A bank account is one of those required things in life. You need access to a debit card for purchases or direct deposit from an employer. A bank account is almost the only way to enjoy these basic services. But if you&#;ve experienced financial challenges or unexpected events &#; and the ensuing bad credit &#; it may be difficult to open a new bank account.

The good news is that you can still open a free online bank account with no credit check, no monthly fees, or minimum balance requirements. CheckingExpert has helped thousands of people just like you open online bank accounts. No credit check bank accounts that give you all the checking account features you need and deserve without the exorbitant fees many banks impose.

Credit Bureaus, ChexSystems, and Bank Accounts for Bad Credit

Most banks look at the credit history of their customers before granting them the ability to open a checking account. Some banks run a credit check through one of the major credit bureaus: TransUnion, Experian, or Equifax.

Other banks will dig deeper by turning to a company called ChexSystems. This company identifies your history with overdrafts, bad checks, and account freezes. Additionally, banks will look at check fraud, negative balances, and excessive withdrawals through Early Warning Systems (EWS). If you find yourself blacklisted by one of these companies, getting a bank account can seem impossible.

Getting A Bank When You Have Bad Credit

The researchers at have selected the top three banks where you can get a bad credit bank account. There are no hidden fees, no minimum balance, and no monthly fees. You can apply online and it takes only a matter of minutes to complete the application process. If you&#;ve got bad credit and need a checking account, these banks are two very strong options.

Open an account today!

Winners: Best Banks For Those With Bad Credit

Chime is a fast-growing internet-only financial company and our top choice for a second chance bank account.

And, best of all, Chime accepts almost all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or the credit bureaus.

Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO overdrafts fees1, NO credit check, and NO CheckSystems. Opening an account is super easy. It takes about 2 minutes and you don’t have to make an initial deposit. Here’s what we like:

No Monthly Fees

For the past couple of years, Chime’s huge growth has come at the expense of the big banks and their outrageous fees. And it’s one of the best features of a Chime account. There are no monthly or annual service charges, no minimum balance requirement, no foreign transaction fees, no fees at over 60, ATMs2, and no fees for mobile and online bill pay.

Smart Technology

Unlike big banks, Chime was bank of america financial center houston tx during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

You can transfer funds to friends and family, Chime members or not… and they can claim their money instantly3 without any additional apps. The Chime app also has a series of notifications that you can turn on or turn off so you stay in complete control. Misplaced or lost your card? You can instantaneously turn off your card using the app. No wonder overcustomers have given the app a 5-star review.

Customers First

Chime was one of the first to offer a “round up” option. If you use your Chime card on a purchase of $, Chime gives you the option of automatically rounding up to $ and putting the remaining $ in your free Chime savings account. And that adds up over time! Plus, Chime pays % Annual Percentage Yield (APY)4 in interest on that savings account.

If you use direct deposit with your Chime account, you can get your paycheck up to 2 days early5. And Chime is just saying no to big bank NSF charges with a fee-free overdraft program up to $ Finally, Chime just recently launched their Credit Builder credit card with no interest and no annual fee. We don’t think there is another company innovating for their customers like Chime.

Get a Chime Account Today!
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. See additional disclaimers below.

2. Nearside

HSBC Basic Banking

1 Basic Banking has no minimum balance requirement and the monthly maintenance fee is $1. There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ per check or withdrawal. 

2 If you effect a foreign transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your HSBC Debit Mastercard® card, the transaction amount may be further increased epic card wi a percentage established from time to time by us.  This Foreign Transaction Fee does not apply to transactions using your HSBC Jade World Debit Mastercard® card or HSBC Premier World Debit Mastercard® card.

3 The HSBC Everyday Savings account is available to all consumers and has no monthly maintenance fee or balance requirements.

HSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

* Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: ODInvestments, Annuity and Insurance Products:  Are not a deposit or other obligation of open a bank account online with no opening deposit bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value. All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.

Deposit products offered in U.S. by HSBC Bank USA, N.A. Member FDIC.


UMB Checking Accounts – Open An Account Online Hotels near tiaa bank field jax Select Checking®1UMB Value Checking®1UMB Free Checking1

Is it right for you?

The perfect checking account to manage broader financial needs through preferred rates and discounts.A checking account option with additional features to fuel financial growth.A checking account to help you manage your everyday finances.Minimum Opening Deposit$1,$$10Check FeaturesNo fee for Exclusive checks or 50% discount on non-Exclusive checks ordered through UMB’s preferred check vendor230% discount on non-Exclusive checks ordered through UMB’s preferred check vendor2Monthly Service Fee$20$8No fee

Monthly Service Fee Waiver Options

Ways to Waive Monthly Service Fee (Must satisfy one of these conditions each monthly service charge cycle)
  • $5, average collected balance in this account
  • $10, in combined deposit balances
  • $25, in combined deposit and loan balances
  • $1, average collected balance in this account
  • $3, in combined deposit balances
  • A single direct deposit of $ or more
N/A Cashier's Checks Included Money Orders Included Special Loan Rates and Loan Fee Discounts3 Interest Paid on Balance  Paper StatementsIncludedIncludedIncludedUMB ATM WithdrawalsNo feeNo feeNo feeNon-UMB ATM Withdrawals4No UMB fee3 with no UMB fee; $2 each thereafter$2 eachOnline RatesView Rates


Open a Bank Account Online

Are you looking to open a checking or savings account, or add to your existing accounts? WaFd Bank, named best bank by ​three years in a row and Newsweek's Best Big Bank, offers top-rated checking accounts and you can open one in just minutes. We also offer Small Business and Commercial accounts.

Accounts can be opened easily online. Here is how it works:


Here's what you'll need

  • To be at least 18 years old, and a U.S. Citizen or a Permanent Legal U.S. Resident.
  • Personal Information, including address, phone number, email address, and Social Security Number.
  • To reside in the states of Arizona, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, or Washington.
  • Picture Identification, such as driver's license, state ID, Passport, or military ID.
  • Funding method, such as a credit or debit card, or routing and account number.

Spending Account

Open Account

A digital spending account powered by WaFd Bank Free Checking

  • No minimum balance
  • No monthly maintenance fees*
  • Enabled for contactless payments for a fast and secure way to “tap” and pay
  • Use for online services like Spotify and Netflix
  • Free access to over 32, ATMs
  • Make Mobile deposits by just taking a picture of your checks
  • Supports Digital Wallets:
    Apple Pay
    Google Pay
    Samsung Pay

*Overdraft/returned item fees may apply

Truly free checking that helped us earn a Best ​Big Bank ranking by Newsweek.

Everything you need in a free checking account:

  • No minimum balance
  • No monthly maintenance fees*
  • Access to 32, Fee-free ATMs
  • Online Banking
  • Bill Pay & external transfers
  • Mobile Banking
  • Person-to-person payments
  • MyTransfer available

*Overdraft/returned item fees may apply

A checking account with rewards that really pay off! That's Green Checking.

Here are some of the rewards you receive with a WaFd Bank Green Checking account:

  • Identity theft monitoring resolution service
  • Cell phone insurance
  • Automatic extended warranties on the things you buy
  • Accidental death & dismemberment (AD&D) insurance
  • Restaurant & hotel deals
  • Rental car discounts
  • Shopping Rewards
  • Travel & leisure discounts

Our most rewarding checking account gives you earned interest for only $0, $3 or $8 Per Month, plus a heap of valuable perks. See how WaFd Bank is here for you:

  • Earn interest
  • Get a free 3"x5" safe deposit box*
  • Identity open a bank account online with no opening deposit monitoring and resolution service
  • Cell phone insurance
  • Automatic extended warranties on the things you buy
  • Accidental death & dismemberment (AD&D) insurance
  • Restaurant & hotel deals
  • Rental car discounts
  • Shopping Rewards
  • Travel & leisure discounts

*At branches where available

Open a savings account with the tools and services to help you prepare for the future.

  • Free for minor accounts up to age
  • Only $25 initial deposit ($10 for minors)
  • No monthly fee ($3 Per Month for balances below $)
  • Minimum balance to earn interest is $​​​​​​​​ ($​10 for minors); this is a variable-rate account

The tools and capital one com auto loan payment to help you build wealth with confidence

  • Only $25 initial deposit
  • Minimum balance to earn interest is $1,; this is a variable-rate account
  • No monthly fee ($10 Per Month for balances below $1,)

Gold Money Market

Open Account

Earn a higher interest rate with a with a Gold Money Market account.

  • Only $25 initial deposit
  • No monthly fee ($10 Per Month for balances below $1,)
  • Maximum $, deposit per client
  • Minimum balance to earn interest is $1,; this is a variable-rate account

Mortgage & HELOC

Find a Open a bank account online with no opening deposit Officer

There's no place like home. When you're ready to make a move, let us make it happen.


A checking account is a current account at a bank or credit union that holds money for a short-term period. There are many free online checking accounts with no opening deposit and no credit check at various institutions to keep your money for multiple uses. You do not have to hold large amounts of money in your house or at your workplace since it is not secure.

The money you save in a checking account is available for withdrawals any time you are in need. There are many uncertainties in life, and if possible, you need to have ready funds to cater for their expenses. Emergency issues such as sickness, accidents, food, compulsory travels, electricity and water bills, among many others, require you to have a checking account where you will settle the payments as soon as possible.

Usually, checking accounts come with debit cards. These are payment cards that link to your account and enable you to spend money in your bank account without you having to visit your bank for withdrawals. You can withdraw cash at an ATM point that accepts cards or use the card to purchase goods and services online. Debit cards also allow you to send money to other bank accounts or mobile wallets online.

How do I open a checking account?

Since many banks and credit unions offer checking accounts, the first step is to choose the most appropriate bank according to your personal preferences. Most information about banks and the services offered is all over the internet, as you will find out here. Do your research to know the best account you can open.

Things you need to check for any account include the following.

  • Monthly fees
  • Minimum balance
  • Transaction limits
  • ATM fees
  • Printed statement fees, and
  • Foreign transaction open a bank account online with no opening deposit opening an account, there are several things you must have. They include the following.

    • Identification document. You can provide you’re Passport, Driver’s license, or any other government identification document.
    • Address. You must have the correct address of the place you live. You also need to prove that you reside within that area. You will require things like bill utilities, credit card bills, or any other relevant document showing your physical address.
    • Opening deposit. Some checking accounts require you to deposit some money as soon as you open your account, while others allow you to deposit at a later date. However, it is good to deposit something in your account upon opening it.

    The systematic process of opening a checking account is as below.

    • Gather all the application information. Before visiting a branch or signing up online, ensure that you have all the details for opening the account. There is no need to start the process only to realize that you do not have certain information that forces you to start looking for it.
    • Apply for the account. Now that you have all the required information, you can then apply for the checking account online or at a physical branch. Open a bank account online with no opening deposit concerned bank might run your details in the ChexSystems to see you’re banking history or make a hard inquiry from credit bureaus. If approved, then you can proceed.
    • Sign the terms and conditions. Every financial institution requires you to agree with their terms and conditions. Before deciding, you must understand what their terms and conditions entail.
    • Make your opening deposit. You may deposit immediately after opening your account or later, depending on your bank conditions.
    • Activate online banking. Almost all banks now support online banking. You can thus activate the online banking feature so that you can manage your funds online. An online checking account allows you to send money with a checking account number instantly using your phone.
    • Lastly, get a debit card. Checking accounts come with debit cards. You can receive yours either immediately or after some days, depending on your bank. Next, you have to activate the card either online or at your bank’s branch.

    Which are the top 10 finic fish pod online checking accounts with no opening deposit and no credit check?

    The following are some of the checking accounts you can open to avoid opening a balance or having bad credit.

    1) Chime


    Chime is an online financial institution that does not have a physical branch. Account opening and all transactions are purely online. The bank does not run ChexSystems for applicants when registering, and thus your banking history will not affect your Chime checking account application.

    Moreover, Chime does not require a minimum deposit when opening your account. You can deposit money later in your account. You will get a debit card that you can use for online and physical store transactions. You can also use the card to obtain cash at ATM points.

    Additionally, Chime does not charge maintenance or overdraft fees. Direct deposits are faster, and you can access your money two days earlier than traditional banks. Interestingly, Chime has a feature called SpotMe®, through which they can offer you free overdraft up to $ Your money at Chime is FDIC insured.

    2) GoBank


    You can avoid the $20 minimum deposit and $ sign-up fee when you open your account online. The bank allows you to open a checking account online irrespective of your credit history. You will not undergo ChexSystems scrutiny nor credit checks during the account creation.

    Once you apply for the account, you will get a free debit card that you can use to withdraw funds at ATM points or pay for goods and services at stores that accept the card. The Gobank has a lot of in-network ATMs that you can use for free.

    Unfortunately, if you use an out-of-net ATM, you will part with a $3 fee for out-of-net withdrawals. You will also pay $5 if you lose your card and need a replacement. Furthermore, you will need to pay a $ monthly fee unless you deposit at least $ every month. When depositing cash into your account, you will part with $ per deposit.

    3) nbkc Bank Everything Account

    NBKC Bank

    There is no minimum deposit for opening the account. Therefore, you can deposit some money at a later date after opening the account. Moreover, the checking account has no minimum balance requirement meaning that you can have any amount in your bank account. You will also not pay any monthly fees.

    The nbkc Bank everything account checking account earns interest of up to % APY. Therefore your money will give you meaningful returns. Once you open an account, you will get a debit card to use in over 32, ATMs countrywide. You can also use the card to pay for goods and services. Check deposits are free of charge.

    4) Varo Bank Account

    Varo Bank Account

    Varo does not require you to have a minimum balance when opening your bank account. Furthermore, the bank does not charge monthly fees nor overdraft fees for your checking account. Once you open an account with Varo, you will get a free Visa debit card that you can use in over 55 locations for free.

    The checking account is purely online, and you can access your funds and support for 24 hours. You can send and receive cash instantly from other Varo Checking account holders. Interestingly, your money is FDIC insured up to $, and thus you have no reason to worry about the safety of your funds.

    The account allows you to accept direct deposits two days earlier. You can get up to % Annual Percentage Yield from your direct deposits. You can as well get instant advance cash of up to $ Moreover, you will benefit from exclusive offers and cash backs.

    5) Ally Bank Interest Checking Account

    Ally Bank

    The checking account requires no minimum opening balance whatsoever. There are no monthly fees, and APY amounts to % for amounts less than $15, and up to % for amounts above $15, You can therefore save and earn some money at the end of the year.

    Once you open an account, you can receive a debit card that you can use to buy goods and services. Also, you can access thousands of Allpoint ATMs countrywide to withdraw cash.

    When adding money to your account, you have to transfer money from another account to your checking account, buy a money order, use a mobile check deposit, or use direct deposit. Another interesting thing with Ally bank is that they have incorporated almost every aspect of technology into their banking services. You can even transfer money by voice using Amazon Alexa.

    6) Alliant Credit Union High-Rate Checking

    Alliant credit union

    Alliant Credit Union is one of the easiest online credit unions to join. Although there is no joining bonus, the benefits you will get once in are many. The account has no monthly fees. The minimum opening deposit stands at zero. Since the institution is a non-profit one, you can get a high APY of up to % on your savings.

    For you to qualify for the Alliant Credit Union High-Rate Checking, you only need to opt-out of paper statements and carry out at least one electronic deposit per month.

    The account comes with a free Visa contactless debit card that you can use to access funds in over 80,+ fee-free ATMs. Again, you can pay for goods and services at places accepting the card. The Award-winning online banking app is also helpful to manage your funds online.

    7) Discover Bank Cashback Debit

    Discover Bank

    The minimum deposit to open the checking account is $0. Therefore, you can deposit money at a later date upon account opening. The account charges no monthly fee, and therefore, you will be able to save a bit.

    Once you open the account, you will qualify for a free ATM card that you can use to buy goods and services. You can access up to 60, fee-free ATMs countrywide.

    Furthermore, your money is also safe since it has FDIC insurance up to $, Even though the account has no APY, you can get 1% cashback if you spend up to $3, in debit card purchases each month. The Discover bank cashback debit account also supports peer-to-peer money transfer, and thus you can send and receive money from your friends who have a similar account.

    8) Capital One Checking

    Capital One

    The account has no monthly fee and thus it is one way of saving money that could have disappeared as monthly maintenance charges. Also, the minimum opening deposit is zero, and therefore you will not have pressure to deposit a certain amount of money

    You will be able to earn % APY on your money. Like other checking accounts, your money in Capital One Checking is FDIC insured. Additionally, you will get a debit card and pay with it at places that accept it.

    You will also be able to use over 70, fee-free ATMs by Capital One, Allpoint®, and MoneyPass to withdraw cash. On your online app, you can even lock and unlock your card. It makes it convenient to lock your card if it gets lost to prevent unauthorized transactions.

    9) Axos Rewards Checking

    Axos bank

    Axos Rewards Checking also has no minimum deposit when opening the account. The minimum balance requirement is also zero. You can earn interest on your money for up to % APY.

    That is very impressive as you can earn large amounts of money if you make larger deposits. The account also has no monthly fees whatsoever. Once you open the account, you will get a free debit card that you can use to purchase goods and services. Your money has FDIC insurance up to vacation rentals by owner nags head nc,

    Furthermore, your online account has high security since it has a two-step verification method. The account has an automatic log-out feature so that if you stay inactive for long, you will have to log in once more when you come back.

    10) OnJuno


    OnJuno has no minimum balance requirements. The opening balance is zero, and thus, you will not have much stress trying to meet any minimum deposit requirement. The accounts’ monthly fee ranges from $0 to $ per month.

    Interestingly, the checking account earns you up to % APY for Basic Checking on balances of up to $5, If you opt for Metal Checking, you will still earn % APY, but there is a $ fee per month after six months of trials. You will still attain high APYs despite the fees.

    Additionally, you will be able to get a debit card that you can use to purchase goods and services. You will also have access to over 85, free ATMs for cash withdrawals. There are 5% Cash backs on the Premium Metal Card.

    Bottom line

    A checking account is critical to keep emergency funds such as those for hospital bills and accidents. The best checking account should have no monthly fee, no credit check, no ChexSystems, no minimum balance, and zero minimum opening deposit.

    Furthermore, a checking account with a debit card with cash backs plus free ATM access makes banking fantastic. When opening a bank or credit union account, make sure you read and understand all terms and conditions.

open a bank account online with no opening deposit


Leave a Reply

Your email address will not be published. Required fields are marked *