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No one likes maintenance fees, overdraft fees, minimum balance and many other things that can make it difficult to manage checking accounts.

Many banks and financial institutions offer online checking accounts, making it difficult to find a free one. Getting a 100% free online checking account is challenging since many checking accounts claim free checking accounts when they actually charge hidden fees and other expenses.

Bottom Line: Here are our top picks for free online checking account no opening deposit no credit check, no overdraft fee, direct deposit, no minimum balance, state-of-the-art banking app, and more: Chime Free Online Checking Accounts, (Sign up Using this Link & Takes 2 minute only)

chime Free Online Checking Account with No Opening Deposit and No Credit Check
Source: Chime

This requires additional research to identify those checking accounts that offer completely 100% free online checking accounts with no opening deposit and no credit check.

Aside from that, finding a free online checking account is made even more difficult for those with poor credit, and some banks will even refuse to open an account if you have a history of unpaid overdraft fees, missed or late payments, and a variety of other minor violations. Some banks go even further to check for things such as bad checks, check fraud, and negative balances by partnering with a company known as Chexsystems to conduct additional checks.

Let’s not be worried!!! A free online checking account with no monthly fee, overdraft fee, free atm, the ability to get paid early from direct deposit, and a variety of other features has been identified after intensive research.

Without further ado, let us introduce you to the #1 free checking accounts that offer all of the benefits and features of a traditional checking account while also requiring no initial deposit and no credit check to open.

Chime is a free online checking account that offers all of the features and benefits of a traditional checking account, as well as the #1 online banking app, which has received an average rating of 4.8 stars from its users.

Let me now introduce you to a list of eight free online checking accounts, with Chime being ranked as the number one online checking account.

List of Free Online Checking Account No Opening Deposit No Credit Check

Checking AccountsFeeHow To Apply
Chime$0Click here to apply
NearSide$0Click here to apply
Acorns$0Click here to apply
VaroMoney$0Click here to apply
First Citizen Bank$0Click here to apply
Bethpage$0Click here to apply

1.Chime

Chime free  online checking account
Source: Chime.com

Chime is the name of a pure online banking service that charges no fees at all. It is a super online banking solution for users who are having a difficult time opening an account or want to enjoy the complete online banking solution that is used by over 10 million members.

With Chime, it only takes 2 minutes to open a new free online checking account. Is it fast enough for you?

Although it was founded in 2013, this online banking solution is one of the fastest growing in the industry. Its spectacular mobile apps make it easy to manage your account on the go without any hassle.

In terms of security and banking features that they offer to the  users without charging any hidden fees whatsoever makes them places top in our list, and at this time, there are no competitors who can beat the Chime features and service.

Central National Bank is the company that owns and operates Chime.

To be honest, I have no choice but to use Chime for my banking needs because it provides a plethora of benefits and security features that encourage me to use Chime in my mobile banking app.

If you take a look at the app, you will notice that it is the most widely used and highly rated app in the online banking category.

In addition to the numerous benefits given by Chime, we have listed some of the most key benefits below.

  • No monthly fee
  • Get paid 2 days early for your direct deposit
  • Fee-Free Overdraft
  • Build Credit without worry of interest
  • 60,000 Fee-Free ATMs
  • Send and Receive Money
  • Security and control
  • And more

Chime and its members place a high value on safety as a priority. As a result, Chime has implemented a security feature that makes the app one of the safest in the world of online banking services.

Also, it is important to note that the customer support provided by Chime is simply amazing to witness, as they provide 24/7 customer support via phone, chat, email, and a help center, among other channels.

So, without a doubt, Chime is the best free online checking account available, as it offers all of the features and security necessary to enjoy a completely authentic online banking experience.

2.GO2BANK

Go2Bank is a part of Green Dot Corporations that was founded in 2001 and serves more than 33 million customers.

go2bank
Source: Go2Bank

It is one of the few online checking accounts that is at the top of the list. 

It offers almost the same features and benefits to chime and for this reason this is our 2nd best option on the list. 

It has state of art banking apps and many other features without any charge. 

Let’s look at the all standout features 

  • No monthly fee ( with direct deposit)
  • No minimum balance requirements for opening new accounts
  • No hidden fee
  • Highly rated banking app
  • Overdraft protections
  • Paid 2 days early for your direct deposit
  • 90 thousand deposit locations without fee
  • 7% cashback
  • Referral program to earn extra money
  • Free ATM networks
  • Able to lock and unlock card with a second from the app
  • And many more

Overall, Go2Bank is a great choice when it comes to free online checking accounts and it earns our second highest recommendation.

It offers all the features and benefits that require you to do online banking without worrying about anything.

Sign up today and get the best online banking experience today.

3. Nearside – Best Pick for Small Business Checking

If you are a small business owner looking for a free online business checking account that does not charge any fees, then Nearside is the best possible option available on the market at the present time.

Thousands of small business owners rely on it for safe and secure online banking, and you can join them by signing up for an account.

The application process is very simple and straightforward, and it only takes a few minutes to complete the application and gain access to online checking accounts after you have signed up.

In addition to the numerous benefits that Nearside provides to its users, the following are some of the advantages of having an online checking account.

  • No monthly fee at all
  • No monthly balance requirements 
  • No NSF fee
  • Ability to earn cashback and perks 
  • No debit card replacement fee 
  • No opening deposit required
  • And many more

One of the most distinctive features of the Nearside is the ability to earn automatic cash rewards from participating affiliate online and in-store retailers.

To get started, simply create an account with Nearside and begin enjoying the benefits of an online business checking account for yourself.

4.VaroMoney

VaroMoney is a mobile app-based banking company that is based in California and began operations in 2015. The company is only available in the United States. The service is similar to Chime’s online banking in that it provides a comprehensive solution.

Due to the fact that this is only an online banking solution, it provides a highly rated app that allows users to manage their finances easily and without difficulty.

A wide range of advantages are available to VaroMoney users, and the following is a list of the most notable of these advantages.

  • No credit check ( if you have any issue of opening account because bad credit then this online banking companies will not look at your credit history to open accounts)
  • No minimum balance
  • No monthly fee
  • No overdraft fee
  • There are more than 55k ATMs around the country. 

So if you are planning to open a purely online banking solution, then it can be added as a second option for you since Chime is the best free online checking account in the market right now. 

5.First Citizen Bank

South Carolina’s First Citizen Bank was established in 1898 as a savings and loan association.

Despite the fact that banks provide free basic checking accounts, you have the option to upgrade to a premium account by paying an additional monthly fee.

There are numerous notable features, such as security alerts, Card Freezes, and insured transactions, among others.

With a free checking account, you can obtain Visa debit cards, which will make spending more convenient and straightforward. You can request new debit cards directly from the digital banking app on your smartphone.

Using the checking account, you can make direct deposits into your account or withdraw cash from it. It can also be used to make payments and to spend money on groceries and other online purchases, among other things.

Despite the fact that this article is about no opening deposit, this bank requires a minimum of $35 dollars in order to open an account.

So, if you are only interested in online checking accounts that require no initial deposit, Chime is a great option because it requires no initial deposit and offers a variety of benefits.

6.Bethpage

Bethpage was founded in 1941 in Long island New York.

The Bethpage online checking account offers some unique benefits that make it stand out from the crowd, making it an excellent choice for any Bethpage customer looking to get started with online banking.

Anyone who prefers using a bank that also offers other financial products, such as a savings account or even investment products, will especially enjoy having access to all these benefits while saving money on all their banking needs.

To sum it up, Bethpage online checking is a great account for people that want to save money on their banking costs every month.

They offer a convenient app and rewards system using their own loyalty points called notes.

Open Checking Account Online Instantly with No Deposit Required

Opening a checking account online is an easy process but it’s difficult to choose the institution or bank to open a checking account online instantly with no deposit or no credit check. 

Since there are thousands of institutions offering online checking accounts with different terms and conditions and different types of fees which some include hidden fees. 

So it is highly important to research to understand which companies offer the best online checking account that is free of hidden fee and others extra fee that are usually not visible at a first glance. 

For that reason, we have reviewed lots of checking account platforms and provide the best 8 online checking accounts that you need to take a look into before signing up for any online checking account institution.

Is there truly free checking account no credit check no deposit?

Yes, there are at least one free checking accounts that do not require credit checks nor deposit.

That is Chime checking accounts.

It offers true free online banking experience that at the moment no other financial institution provides as far as I know.

Online Checking Account Tips and Guide 

Insurance

It is highly important to make sure your checking account comes with FDIC or NCUA insurance. Remember, even banks and credit unions are risky, so it’s important to have this protection and you should always be aware of potential dangers.

Minimum deposit requirements

Make sure to read the fine print where you open your account (online or in-person) to learn about any monthly maintenance fees.

Most traditional banks waive maintenance fee when you have met a certain monthly amount threshold. 

But with the list of checking accounts above, most of them are completely free accounts with no monthly fee. 

Fees

Fees are an essential part of checking accounts of traditional banking systems. But, in recent decades, there are many financial institutions offering completely free online checking accounts. The reason for offering a free checking account is because there are no physical locations and everything is managed through online such as apps. So it saves a ton of money for institutions and so they can afford to provide true free online checking accounts. 

A no-fee checking account can save you money over time. They are generally offered by smaller banks, credit unions, and online banks which lack the overhead of a physical branch. No-fee checking accounts give you the chance to open an account without paying a monthly fee, although there may be some requirements. 

If you maintain a certain balance in your checking account or meet other qualifications, you may even be able to avoid ATM fees with reimbursements from your bank. No-fee accounts may also offer debit rewards programs or unlimited check writing that could help you save money. You don’t pay any additional withdrawals or maintain minimum balances when using non-network ATMs.

ATM network

With free online checking accounts, you can avoid ATM fees and walk away with a few extra dollars in your pocket. Before you choose a bank account, make sure to review the fine print and find out how many ATMs are available in-network and how much the bank or credit union will reimburse you for fees incurred outside of the network.

Rewards

In the past decade, there have been many institutions and banks offering cashback on every purchase. So it is another key point to keep in mind when opening checking accounts. 

Mobile app features

With the rise of mobile banking, almost all banks now offer free mobile checking accounts. These apps allow you to deposit checks and check account balances while on the go.

Consider features like AutoDeposit, Bill Pay, and direct bank connection. These capabilities allow you to keep track of payments without having to physically visit a bank.

So it is essential to look for checking accounts that offer high rated mobile apps.

Final Thought

As per what we’ve discussed so far about opening a free online checking account, it’s critical that you conduct your banking transactions with the most secure company possible to ensure that your money is not at risk.

We have taken into consideration how important bank security is and our top pick reflects that and one of the great features of the app is that it has the best mobile app, which allows you to be notified for each transaction instantly and see what is going on with your bank account as a result.

We will actively conduct research to identify the best free online checking account platform, and we will update our list to ensure that it continues to meet our quality guidelines, so you can be confident that you are receiving the best possible online banking solution for your needs.

FAQs

Can I open a bank account online without going to the bank?

Opening a checking account does not have to be difficult in this day and age, and you do not have to visit a physical location in order to open a checking account. There are a plethora of financial institutions available today, and many modern banks allow customers to open bank accounts online without having to visit a physical location.

With online banking becoming such a popular method of account opening, it is critical that you open an account with a financial institution that has a high level of security and a mobile banking solution so that you can check up for an account at the touch of a button when opening an account.

There are many financial institutions that offer free checking accounts such as Chime, Current, Nearside and many others. 

Can I open a checking account with no money?

If you think back seven to ten years, it was nearly impossible to open a checking account without any money because almost all banks require a minimum opening deposit to open a new account and you must maintain a certain amount in order to avoid fees. Today, however, this is no longer the case.

However, if you look at banking today, you will find that there are plenty of  banks and financial institutions that provide free checking accounts with no fees attached. Additionally, there is no monthly fee and no requirement to maintain a monthly balance. That is exactly what the big banks and corporations are doing to entice customers to conduct their banking transactions with them.

What banks do not require a credit check to open a checking account?

In today’s world, credit plays an important role in almost every financial transaction. A credit check is required even to open a checking account due to the large amount of fraud that is occurring and the amount of money that is being lost by bank institutions. As a result of this, banks are imposing numerous qualification requirements to open a checking account. As a result, there are only a few financial institutions that allow you to open a checking account without first conducting a credit check. 

They are, however, difficult to come by, which is why we have compiled a list of financial institutions that provide the option of opening checking accounts without a credit check. So, if you have bad credit, make sure to check out the companies we’ve listed in this post, which will allow you to open a checking account online and manage your bank account through a smartphone application.

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