Checking accounts usually have monthly fees or require a high minimum balance to waive the monthly fees. Below are several popular checking accounts with zero monthly maintenance fee and no minimum balance requirement.

Capital One 360 Checking Account

There’s no minimum balance requirement or monthly fee with Capital One 360 Checking Account. In addition, it features:

• No overdraft fees. If you overdraw your account, you will need to replenish your balance promptly.
• No foreign transaction fees, so you can use your debit card outside the U.S. without incurring any extra costs.

In addition to 450 branch locations across the US, Capital One also has 41 Capital One Cafes that provide a place to bank, work, grab a cup of coffee and get financial advice.

Discover Cashback Debit Account

If you want a checking account that offers 1% cashback on debit card transactions, Discover Cashback Debit Account is for you. It provides 1% cash back on up to $3,000 in debit card purchases each month.

Please note that Discover is an online bank, so, there are no physical locations. Discover does provide access to over 60,000 fee-free Allpoint and MoneyPass ATMs

Alliant Credit Union High-Rate Checking

If you happen to be using out-of-network ATMs frequently, Alliant Credit Union High-Rate Checking might be suitable for you, providing up to $20 per month in ATM fee rebates if you use out-of-network ATMs.

Please note that Alliant Credit Union only has one physical location in Illinois.