Open checking account online instantly with no deposit

Fresh Start Checking is perfect for you if you're looking to leave past checking account problems in the dust. A new start with a Fresh Start checking account means you have no minimum opening balance, a minimal monthly service fee, and unlimited check writing. It's everything you'll need to get back on track with everyday banking.

  • No minimum balance requirements
  • $5 monthly service charge
  • $2 monthly paper statement charge. This charge is waived if enrolled in eStatements.
  • Debit Card transaction daily limit is $500, ATM daily limit is $200
  • Unlimited check writing
  • Overdraft and NSF fees are waived

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Checking Benefits and Conveniences

  • Fee-free ATMs

    Access your cash at 32,000+ fee-free MoneyPass ATMs from coast-to-coast. 

  • Online & Mobile Banking

    Secure banking, anytime, anywhere. 
    24/7 access to check balances, pay bills,
    transfer money, and even open a new account.

  • Bank Securely

    Your account is safe with FDIC insurance and fraud coverage. 

  • Mobile Check Deposit

    Deposit checks using your phone or tablet app. 
    Download the mobile app.

  • Text & Email Alerts

    Get alerts on balances, transactions, and security to setup alerts.

  • Digital Wallet

    Link your debit card to your phone using Apple Pay or Samsung Pay®

Get started with your account.

  • Online and Mobile Banking

    Manage your personal banking from anywhere with a web-enabled device in hand.

    • Money management
    • Pay loans and draw on lines of credit
    • Pay Bills
    • Thumbprint or passcode secure login
    • Facial Recognition (iPhone X only)
    • View eStatements and account history

    Download App Today!

         


    Online Banking User Guide 

  • Set up your Account

    Activate your debit card, fund your account, set up direct deposit, create online credentials and download our mobile app with these easy-to-use resources.


    Learn more

  • Use Your Account

    Maximize your account experience by setting up online bill pay, scheduling automatic payments, and other handy features.


    Learn more

  • Kickstart your Savings when you Enroll in Easy Save!

    Round up each debit card purchase to the nearest dollar to turn your change from everyday purchases into savings.

    The change from your debit card purchases is accumulated and automatically transferred daily from your checking account to your savings account.

    Enroll in Easy Save

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Which bank can I open an account with online with no deposit?

Banks that Don't Require an Opening Deposit.
Ally Bank. Ally Bank is a high-interest option with unique online integrations such as mobile check deposits, money transfers by voice, and automated savings programs. ... .
Axos Bank. ... .
Capital One. ... .
Discover. ... .
Monorail. ... .
State Farm. ... .

What bank gives you money just for opening an account?

The Chase Total Checking account has a $225 sign-up bonus, and all you have to do is sign up and set up direct deposit within 90 days. Unlike other banks, Chase doesn't require you to deposit a certain amount. As long as you set up direct deposit, you'll receive a bonus within 15 days.

What is the easiest bank account to open online?

The 8 Easiest Banks To Join.
Chime. Chime1 is probably the easiest to join. ... .
TD Bank. To sign up with TD, users can go online and enter their basic information, including a driver's license number or state ID. ... .
United Bank. United Bank has the same requirements as TD. ... .
Synchrony. ... .
Chase Bank. ... .
Axos Bank. ... .
Ally. ... .
Wells Fargo..

What bank account can I open with no deposit?

9 Free Online Bank Accounts You Can Open With No Deposit.
Ally Bank..
Axos Bank Essential Checking..
Betterment Checking..
Capital One 360 Checking..
Chime – Note: Chime is a financial technology company, not a bank. ... .
Discover Bank..
Navy Federal Credit Union EveryDay Checking Account..
State Farm Bank Standard Checking..

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