The Best Checking Accounts With the Lowest Fees of 2023
Finding a low-fee checking account can be a challenge, especially with consistent increases in fees and minimum requirements from banks. WHConcern recognizes low-fee checking accounts are crucial for those who want to save some extra money. Here's our best picks for lowest fee checking accounts.
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Get StartedWe analyze online checking accounts in the U.S. to uncover which have the best earnings, benefits, and the lowest fees. Learn more about our methodology here. Bank awards methodology
1. Best No-ATM-Fee Checking Account
Radius Bank Radius Hybrid
High yield checking. Free ATM access worldwide. Access to overdraft line of credit.
Best Feature: No fees for monthly service and ATMs at all.
Radius Hybrid wins thanks to its low fees. With the Radius Bank Hybrid Account, you’ll never have to pay a monthly service fee or ATM fee. And, if you use an out-of-network ATM, you get unlimited refunds of those fees. This account also comes with high-yield interest rates to help you earn more for your checking.
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Earn
Earn a high APY on the portion of the balance that is over $2,500
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Fees
No ATM fees on Radius ATMs, unlimited rebates for out-of-network ATMs
No monthly maintenance fee
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Benefits
Free access to overdraft line of credit (interest rate applies)
Radius Pay a Friend feature allows you to send money with ease
Mobile app available on the Apple App Store and Google Play
2. Best Checking Account with Free Checks
Ally Bank Interest Checking
No monthly fees. Up to $10 in monthly ATM fee refunds. 24/7 live customer service.
Best Feature: Free standard checks and cashier’s checks.
Ally Bank’s Interest Checking deserves an award for its overall fee policy that includes unlimited, free standard checks and cashier’s checks. Most other checking accounts only offer the first checkbook for free. Ally’s online checking account also comes with no monthly fees, ATM fee rebates, and free overdraft transfers (from other Ally accounts).
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Earn
Earn a high APY, depending on your account balance
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Fees
No monthly fees
Free ATM access at 43,000+ Allpoint ATMs and up to $10 in monthly
Free Ally standard checks and cashier’s checks
No overdraft protection transfer fee
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Benefits
Popmoney feature allows you to send money to friends with ease
Live 24/7 customer service
Mobile app available on the Apple App Store and Google Play
3. Best Low-Fee Checking Account
Axos Bank Rewards Checking
Strong interest rate on a checking account.
Best Feature: Unlimited domestic ATM fee refunds
The Axos Bank Rewards Checking account encourages customers to fulfill a few requirements in order to earn a very attractive interest. In addition to having no monthly fee, the account also provides unlimited refunds of ATM fees charged by any domestic ATM.
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Earn
Earn a competitive APY
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Fees
No monthly fee
No overdraft fees
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Benefits
Unlimited ATM fee refunds for domestic ATMs
Free mobile check deposit
Access to mobile banking apps for iOS and Android devices
Looking for your perfect checking account? We can help.
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