{"id":142,"date":"2022-08-05T19:48:09","date_gmt":"2022-08-05T19:48:09","guid":{"rendered":"https:\/\/modestmoneytips.com\/?p=142"},"modified":"2022-08-05T19:48:09","modified_gmt":"2022-08-05T19:48:09","slug":"the-top-8-free-checking-accounts-in-2023","status":"publish","type":"post","link":"https:\/\/modestmoneytips.com\/index.php\/2022\/08\/05\/the-top-8-free-checking-accounts-in-2023\/","title":{"rendered":"The Top 8 Free Checking Accounts in 2023"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"468\" src=\"https:\/\/modestmoneytips.com\/wp-content\/uploads\/2023\/08\/pnc_insights_p_financial-literacy-important-1024x468.webp\" alt=\"\" class=\"wp-image-421\" srcset=\"https:\/\/modestmoneytips.com\/wp-content\/uploads\/2023\/08\/pnc_insights_p_financial-literacy-important-1024x468.webp 1024w, https:\/\/modestmoneytips.com\/wp-content\/uploads\/2023\/08\/pnc_insights_p_financial-literacy-important-300x137.webp 300w, https:\/\/modestmoneytips.com\/wp-content\/uploads\/2023\/08\/pnc_insights_p_financial-literacy-important-768x351.webp 768w, https:\/\/modestmoneytips.com\/wp-content\/uploads\/2023\/08\/pnc_insights_p_financial-literacy-important-696x318.webp 696w, https:\/\/modestmoneytips.com\/wp-content\/uploads\/2023\/08\/pnc_insights_p_financial-literacy-important-1068x489.webp 1068w, https:\/\/modestmoneytips.com\/wp-content\/uploads\/2023\/08\/pnc_insights_p_financial-literacy-important.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Many banks today are offering checking accounts without any fees, allowing you to benefit from free services and no interest rates. With the abundance of these banks, banking doesn&#8217;t have to drain your wallet.<\/p>\n\n\n\n<p>A plethora of banks are offering services without charging you. These banks boast expansive ATM networks, robust apps, and enticing reward schemes. Here&#8217;s a quick look at some top-notch free checking accounts.<\/p>\n\n\n\n<p><strong>Bank of America &#8211; Avail Cash Bonus<\/strong><br>I primarily bank with Bank of America due to its widespread presence and numerous ATMs and branches. The bank stands out for its user-friendliness, manageable fees, and vast reach.<\/p>\n\n\n\n<p>Bank of America currently offers a $100 Bonus for newcomers. To claim it, open a new online checking account via a specific Bank of America promotional link and meet certain conditions.<\/p>\n\n\n\n<p>Three account types are eligible for this bonus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Advantage SafeBalance Banking\u00ae<\/strong>: $25 initial deposit &amp; $4.95 monthly fee, which can be waived for students below 25 or Preferred Rewards enrollees.<\/li>\n\n\n\n<li><strong>Advantage Plus Banking\u00ae<\/strong>: $100 initial deposit &amp; $12 monthly fee, which is waivable under specific conditions.<\/li>\n\n\n\n<li><strong>Advantage Relationship Banking\u00ae<\/strong>: $100 initial deposit &amp; $25 monthly fee with waivers available under certain conditions.<\/li>\n<\/ul>\n\n\n\n<p>Ensure a direct deposit totaling $1,000 within the first 90 days to receive the bonus.<\/p>\n\n\n\n<p>Remember, the promotional code is DMF100CIS, which gets auto-filled when you click through our links.<\/p>\n\n\n\n<p>Member FDIC.<\/p>\n\n\n\n<p><strong>Chase Total Checking\u00ae &#8211; A Rewarding $200<\/strong><br>Open a new Chase Total Checking account, set up a direct deposit within three months, and enjoy a $200 bonus within 15 working days.<\/p>\n\n\n\n<p>While there&#8217;s a $12 monthly fee, certain conditions can get this fee waived.<\/p>\n\n\n\n<p>What&#8217;s to like? A handsome $200 bonus and Chase&#8217;s significant presence.<\/p>\n\n\n\n<p>Branch details available on locator.chase.com.<\/p>\n\n\n\n<p><strong>Discover Cashback Debit &#8211; Earn Up To $360<\/strong><br>Discover Bank shines with its cashback debit checking account, offering 1% cash back on up to $3,000 monthly expenses. That&#8217;s a potential annual reward of $360!<\/p>\n\n\n\n<p>Discover is also renowned for minimal fees, with several attractive features like free standard checks, online bill pay, and no-fee ATM transactions at over 60,000 ATMs.<\/p>\n\n\n\n<p>The highlight? An unprecedented 1% cashback on debit card expenses.<\/p>\n\n\n\n<p><strong>Consumers Credit Union &#8211; Maximizing Interest at 5.00% APY<\/strong><br>If you&#8217;re in search of a rewards checking account with an impressive interest rate, look no further. Consumers Credit Union promises up to 5.00% APY, albeit with certain conditions.<\/p>\n\n\n\n<p><strong>Axos Bank<\/strong><br>This bank occasionally rolls out new account bonuses. The present offer is a $300 bonus, subject to specific requirements. The bank&#8217;s rewards program, with tiered interest rates, is quite attractive.<\/p>\n\n\n\n<p>Axos offers no minimum balance, zero service fees, and even reimburses ATM fees.<\/p>\n\n\n\n<p>What&#8217;s commendable? The rewards program, which provides higher interest for your usual banking activities.<\/p>\n\n\n\n<p><strong>Ally Bank Checking<\/strong><br>I&#8217;m a loyal Ally Bank user, primarily because of their top-tier online banking services. They offer compelling deposit products, attractive interest rates, and nominal fees.<\/p>\n\n\n\n<p>Why is it a favorite? Competitive interest rates and an extensive range of financial products.<\/p>\n\n\n\n<p><strong>LendingClub Bank<\/strong><br>Formerly Radius Bank, LendingClub Bank from Boston is a game-changer with their checking account rewards. The bank offers an impressive interest rate on significant balances and limitless 1% cashback on specific debit card transactions.<\/p>\n\n\n\n<p>The attraction? An interest-bearing account with an unlimited 1% cash back feature.<\/p>\n\n\n\n<p><strong>NBKC Bank<\/strong><br>An emerging online bank, NBKC offers a competitive interest rate on all balances. With no hidden fees and a comprehensive mobile app, it&#8217;s a strong contender.<\/p>\n\n\n\n<p>What sets it apart? A lucrative interest rate compared to competitors, coupled with additional perks.<\/p>\n\n\n\n<p>Note: The banks mentioned above, their features, and interest rates are based on data available at the time of writing. Always check the respective bank&#8217;s official site for the most updated information.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many banks today are offering checking accounts without any fees, allowing you to benefit from free services and no interest rates. With the abundance of these banks, banking doesn&#8217;t have to drain your wallet. A plethora of banks are offering services without charging you. These banks boast expansive ATM networks, robust apps, and enticing reward [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":421,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":{"0":"post-142","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-banking"},"_links":{"self":[{"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/posts\/142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/comments?post=142"}],"version-history":[{"count":3,"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/posts\/142\/revisions"}],"predecessor-version":[{"id":423,"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/posts\/142\/revisions\/423"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/media\/421"}],"wp:attachment":[{"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/media?parent=142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/categories?post=142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/modestmoneytips.com\/index.php\/wp-json\/wp\/v2\/tags?post=142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}