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How the average person can save money quickly and easily

Best Free Checking Accounts

Checking Account SavingsThe majority of consumers with checking accounts pay monthly maintenance fees for the service, but you don’t have to pay fees to get a checking or saving account. Here are five best free checking accounts available in the U.S.

Maintenance fees can add up to an average of over $250 a year, which is why so many are looking for free checking. It’s money that you could put to better use elsewhere.

1st Bank – If you are looking for a free checking account with no minimum balance requirement and no monthly service charge, 1st Bank may be the right choice for you. A free checking account with 1st Bank offers all of the following benefits: free banking from anywhere using your mobile device, free downloads of your banking transactions to Quicken or Quickbooks, email and text based account notifications, free online e-statements and online bill payment services. 1st Bank’s free checking accounts are currently only available in Colorado, Arizona, or Riverside County, California.

First Citizens Bank & Trust Free Checking – If you’re looking for a free checking account with added benefits, consider opening an account with First Citizens Bank & Trust, where you can enjoy the freedom of no direct deposit requirements, no minimum daily balance requirements and $0 monthly maintenance fees. First Citizen’s free checking account also comes with free online banking, online bill pay, free e-statements and a free Visa check card with Visa extras rewards, which helps you earn points that you can redeem for products & services from a number of participating merchants. First Citizens bank currently has branches located throughout South Carolina and Georgia. There is a minimum opening deposit of $100.00 which is waived for college students.

PNC Bank Free Checking – PNC bank offers a basic free checking account with no minimum balance requirement, no monthly service charges, free transactions at over 7,200 PNC ATMs, unlimited check writing, free Visa check cards and standard online banking & bill pay. PNC also makes it very easy to find branches and ATM’s across the U.S. when you are on the go, using their reality mobile application. There is a minimum opening deposit of $25.00.

TCF Bank Free Checking– This bank may not be familiar to you, but that’s no reason to bypass the awesome deal on a free checking account from TCK Bank that comes with $0 monthly maintenance fees and no minimum daily balance requirement. TCF Bank’s free checking account also includes a free debit card, unlimited check writing, online bill payment, mobile & text banking, online statements and the convenience of making deposits to your checking account at over 430 branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, Arizona and South Dakota. There is a minimum opening deposit of $25.00.

USAA Free Checking – If you’re looking for one of the best free checking accounts on the market, consider opening an account with USAA. There are no minimum daily balances to maintain, no debit card fees, no check writing fees and you also get free checks and reimbursements for out-of-network ATM usage. What’s more, USAA’s free checking account also includes free online bill payment services, mobile and text banking, free online check images, online statements and the convenience of making deposits to your account at many UPS Store locations throughout the U.S. There is a minimum opening deposit of $25.00.

You may also want to consider another option for free checking account services, which may be right around the corner at your local credit union. Many credit unions offer free checking accounts that can be opened for a one time membership fee as low as $5.00. Whether you move to a free checking account at a bank or at your local credit union, you will gain the benefit of some extra cash in your pocket at the end of every month that can add up to thousands of dollars in savings in the long run.

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