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Don’t you hate it when you look at your checking account and see less money there because of fees you were charged? As technology and the internet have grown, companies have stepped up and recreated the wheel, so to speak.A  A number of banks have introduced free online checking accounts that are easy to use and full of features. Many accounts out there require to keep a minimum amount of money in your account otherwise they hit you with a fee for your account. Some banks simply charge you a monthly fee for your account, it’s not even a matter of keeping a minimum dollar amount. Now that you know what to avoid I want you to see why an online checking account is good for you.
Online checking accounts, like Capital One’s 360 Checking and Everbank, offer up better rates for you. ATM Fees – Many online banks are part of large ATM networks that allow you to take money out of a variety of places (this makes sense since there may not be a physical branch that exists).
Fewer and Lower Fees Overall – Online checking accounts tend to just have fewer fees and the ones they have tend to be lower. They also offer check scanning through their smartphone app so you don’t have to leave your house or mail anything in order to deposit your checks. I think 360 Checking makes a great checking account for those that have 360 Savings or anyone else looking for a good all-around free online checking account. I have to say, any time I’ve heard of someone who uses USAA products they absolutely glow about their customer service. For months where your balance is above $5,000 you are eligible for free online bill pay and free ATM reimbursements for ATM fees you payA (this can be very helpful if you find yourself using all kinds of ATMs or you don’t want to worry about finding the correct branch). Another interesting aspect of Everbank is the availability of online check deposits.A  With a high-speed connection and a scanner you can deposit checks from the comfort of your home!A  They also offer mobile banking. If you are looking to earn a higher interest rate on your deposits and you have the money to deposit, then Everbank can be a great option for you. And check this out – Everbank is so confident that you will like your account that they offer a $50 satisfaction guarantee! Ally offers interest on the deposits you have with with rates that vary depending on the amount on deposit.


Ally looks like a good, free online checking account with nice perks like free checks and free ATM’s. To be fair, brick-and-mortar banks are finally wising up and are starting to catch up to online banks. I know you’re smart but I have to tell you to make sure you understand the terms for any account you are looking into opening.
Glen Craig is married and the father to four children that he spends the day chasing as a stay-at-home-dad.
Each person needs to evaluate what they want from a checking account and see what works best for them to maximize their account. A Most banks will charge you an ATM fee if you use an ATM outside of their network, even online ones.
A You won’t get rich off the interest but you do have the opportunity to earn some money. A Online checking accounts tend to have more reasonable fees and in many cases eliminate fees that other banks charge. A Well most online checking accounts, or at least the ones we like, don’t have minimum balance requirements. A They tend to make transferring your money to other accounts easy as well as offer up bill pay options so you can make sure you get your bills paid on time. A They generally provide financial and insurance products to military members and their families but they have a number of products, like checking, that are available to the general public.
A They will reimburse you $15 in ATM fees charged by other banks and not charge you for the first 10 ATM withdrawals. A There’s also unlimited Web BillPay so you can take care of your bills without needing stamps.
A Try out their Yield Pledge Checking account for three months and if you aren’t completely satisfied they will send you a check for $50. A Rather than heading out to deposit a check, you can now scan a check and send the image online for deposit.
A Many offer up their own online options and with smartphones getting smarter you can do most of your banking without leaving your home.


I have belonged to a credit union since I got out of school, but checking (and ATMs) are not only free, I actually get some (small) return. A Understand that there are many checking accounts out there that are chock full of serpentine fees just waiting to suck your hard-earned money out.
A The rates these banks offer tend to be exponentially higher that what the national average is for checking (it may still be low but I like the idea of being able to earn something usable). A Still other online accounts just not charge you when you use other ATMs (there may be a limit but it’s still a cool perk). A I loved my ING Direct accounts and from what I have seen so far Capital One has kept all the great features and customer service that made ING Direct great. A To qualify (should you feel you really want to close your account), you must use their online bill pay feature at least three times and you must notify Everbank that you will be closing your account and why within 30 days of your 3-month account opening.
A Credit unions also offer up good options for consumers as well and are worth looking into (we include USAA above). A Take a look at the fee structure of any checking account you are considering and make sure you understand if there are any set fees or if there is anything you need to do to avoid the fees. A Some banks just don’t have enough branches for you and you get stuck paying ridiculous fees to get your money. A You hear stories all the times about Traditional Bank X introducing some new fee to their customers. A I love getting check but it can be a pain to run out, usually with the kids, to deposit it. I’ll probably keep my ING checking open, though, just in case they decide to bring it out.
A Online banking has come along way and it makes sense to use an online bank due to their ease of use and lower fees. Now I get 1% back on ever expense that accepts a credit card and I get high yield interest on my savings at ING.




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