Do you want to open a bank account totally free in 2023? Alfredo Barandiarán analyzes for Responsible Economy all the checking accounts that you can open for free in the United States with the features they offer: yields, ATMs…Welcome!
Banks that offer free checking accounts of 2023
We have made a list with all the banks that offer current accounts without commissions and their main characteristics. Then you have all the information about each checking account:
- It is very easy to avoid monthly commissions
- Welcome bonus of 200 dollars fulfilling conditions
- More than 16,000 ATMs in the United States
- $25 minimum deposit
- Very low interest rates
- It is very easy to avoid monthly commissions
- More than 16,000 ATMs in the United States
- $100 minimum deposit
- No welcome bonus
- High interest rates if you have a lot of savings
- It is very easy to avoid monthly commissions
- Nearly 12,000 ATMs
- $25 minimum deposit
- Welcome bonus of 300 dollars fulfilling conditions
- High interest rates on CDs
- No fees and no requirements
- Nearly 60,000 ATMs
- Welcome bonus of 250 dollars fulfilling conditions
- High interest rates on CDs
- No fees no direct deposits
- Fee-free withdrawals from ATMs around the world
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs
- No fees no direct deposits
- More than 60,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on Savings
- No fees no direct deposits
- More than 50,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs and Savings
- Commissions of $10 if you do not meet requirements
- No fees at Citibank ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs
Chase
Chase total Checking is a checking account that you can open for free but you must meet one of the following requirements:
- Electronic deposits made into this account totaling $500 or more.
- Have more than $1,500 in the checking account.
- Have $5,000 in all Chase accounts.
You can withdraw money without commissions at all Chase ATMs, bank transfers have high commissions, the interest rate of the account is 0.01 and CDs up to 4%. It has a $200 welcome bonus whenever you make a direct deposit.
| Pros | Cons |
|---|---|
| High number of branches | Free but with minimum requirements |
| High number of ATMs | Low returns on savings account |
| $200 Welcome Bonus |
Ally
Ally checking account has no fees and no deposit is required. You can open the account with zero dollars.
You can withdraw money without commissions in more than 43,000 ATMs, outgoing transfers have a commission of $25, the linked savings account has a yield of 3.3% and CDs of 4.25%:
| Pros | Cons |
|---|---|
| No commissions no requirements | No branches |
| No minimum deposit | No welcome bonus |
| High number of ATMs free |
Frequent questions
Here we answer all the questions you ask us about free checking accounts:
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Updated the day 1 September, 2023 by Alfredo Barandiarán
Alfredo Barandiarán is not only passionate about finance and the economy, but also has more than 10 years of experience helping people find the best possible financial product. He has worked for 5 years at Iahorro and 2 years at Atrapacrédito. He has currently been running the financial comparator Responsible Economy for 3 years. I graduated in business from Complutense University of Madrid and has studied at ESIC and CEF. You can see all the professional experience of Alfredo Barandiarán on his LinkedIn profile
