Everyday Banking

Checking Accounts

Total control of your money — fee-free banking, instant transfers, early direct deposit, and access to 55,000+ ATMs worldwide.

Monthly fee

$0

Always free (standard)

Fee-free ATM network

55,000+

Nationwide locations

Interest Checking APY

2.00%

On qualifying balances

Minimum to open

$25

Any account type

Choose Your Checking Account

Free Checking

$0 / mo

No conditions required

  • Open with just $25
  • Nexane Visa debit card included
  • 55,000+ fee-free ATMs
  • Mobile check deposit
  • Bill pay and instant transfers
  • First check order free
Most Popular

Interest Checking

$0 / mo

No monthly fee, ever

  • Earns 2.00% APY on balance
  • Up to $10/month ATM rebates
  • $50 overdraft buffer included
  • Early direct deposit (up to 2 days)
  • First 2 check orders free
  • Spending insights dashboard

Premium Checking

$12 / mo

Waived with $5,000 avg balance

  • Earns 2.50% APY on balance
  • Unlimited ATM rebates worldwide
  • $200 overdraft buffer included
  • Priority customer service line
  • Unlimited free checks
  • Free wire transfers (2/month)
All Checking Accounts Include
  • ✓ Nexane-Finance Visa debit card with tap-to-pay contactless technology
  • ✓ Mobile check deposit — snap a photo to deposit checks from anywhere
  • ✓ Free instant account-to-account transfers and online bill pay
  • ✓ Real-time transaction alerts and detailed spending category insights
  • ✓ Zero-liability fraud protection on all authorized debit card transactions
  • ✓ Direct deposit — funds available up to 2 business days early
  • ✓ Digital wallet compatibility: Apple Pay, Google Pay, and Samsung Pay
  • ✓ 24/7 account access via web and mobile banking
  • ✓ Joint account option — add a co-owner at any time
Overdraft Protection Options
Option How It Works Fee
Linked Savings Transfer Automatically transfers funds from your linked Nexane savings account when your balance runs low. $0
Overdraft Buffer (Interest/Premium) Built-in buffer of $50–$200 covers small overdrawn amounts at no charge. $0
Overdraft Line of Credit A small revolving credit line covers overdrafts. Interest accrues daily on amount used. 14.99% APR
Decline (Opt-Out) Transactions that exceed your balance are simply declined. No fee charged. $0
Disclosure: No minimum balance required to avoid fees on Free Checking. Interest Checking earns APY on the full daily balance. ATM rebates are credited monthly for Interest and Premium checking. NCUA insured up to $250,000 per depositor.
Open a Checking Account