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Advertiser Disclosure: CardSavings.com is an independent, advertising-supported website. Certain offers that appear on this site are from companies from which CardSavings.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardSavings.com does not include all financial services companies or all financial products available in the marketplace.
Account Type
  • Personal Accounts
  • Business Accounts
  • Kid & Student Accounts
Bank Type
  • Online Bank
  • Traditional Bank
Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Fee
  • Interest Bearing
Bank
  • Valley National Bank
  • HSBC
  • Chime
  • Fifth Third Bank
  • Axos Bank
  • CIT Bank
  • Quontic Bank
  • LINQTO
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  • Sort by Minimum to Open - Low to High
APY
0.00%
Monthly Fee
$50
Signup Bonus
Earn Up to $2500
Product Details
  • Minimum to Open: $0

Additional Info

  • Start an HSBC Premier relationship today. You'll enjoy premium banking with both local and global benefits and access to wealth solutions offered through HSBC Securities, (USA), Inc*.

  • Discover what HSBC Premier can offer you

    - Access to wealth products, insights and advice from an HSBC Wealth Relationship Manager through HSBC Securities (USA) Inc.

    - Easily open an account online, from the comfort of your home.

    - Manage your banking needs across different time zones, with 24/7 support.

    - Manage your money around the world - from global transfers to multi-currency needs.

    - New to the U.S.? Build your U.S. credit history with one of our credit cards. Or if you're buying a new home, you can use your international credit history to apply.

    - Go beyond banking with special offers, referrals for tax advice, relocation services, and more. 

  • Here's how the offer works:

    You could earn $1,500 or $2,500 if you open a new, eligible HSBC Premier checking account from July 1, 2024 through November 22, 2024, and complete qualifying activities.

    - Get a $1,500 Cash Bonus: Add New Money of $100,000 to $249,999 in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.

    - Get a $2,500 Cash Bonus: Add New Money of $250,000+ in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.

    - Cash Bonus will be deposited into your new checking account within 8 weeks of meeting all the offer requirements. 

  • Minimum Balance to Avoid Monthly Maintenance Fees:

    - Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR

    - Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR

    - Any HSBC U.S. residential mortgage loan serviced by HSBC.  Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included.

    - Consumers who maintain Private Bank status.

  • Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

  • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.


Apply Now on Fifth Third Bank's secure site
APY
0.00%
Monthly Fee
$0
Signup Bonus
$325
Product Details
  • Minimum to Open: $0

Additional Info

  • Earn $325 when opening an eligible Fifth Third checking account with qualifying activities. Offer expires September 30, 2024.

    - Open a new checking account by 9/30/2024. Enter your offer code.

    - Make direct deposits totaling $2000 or more within 90 days of account opening.

  • The $325 bonus will be added to your new account within 10 business days of completing qualifying activity requirements.

  • Offer is not available to anyone who has an ownership interest (including, but not limited to, primary owner or joint owner) in any existing Fifth Third checking or a Fifth Third checking account that closed within the last 13 months. 

  • No monthly service fee.

  • No minimum balance requirements.

  • Free overdraft protection transfers.

  • You can avoid fees at over 40,000 partner ATMs nationwide.

  • Fifth Third Bank, National Association. Member FDIC.

APY
0.00%
Monthly Fee
$0
Signup Bonus
$400
Product Details
  • Minimum to Open: $0

Additional Info

  • Business owners get up to $400 welcome bonus!*

  • Open a business checking account by October 31 and get up to $400 when you use promo code NEW400 on your application.* $100 will be earned for each statement cycle, up to $400 when you meet three requirements:

    1) the average daily balance in your Basic Business Checking account or Business Interest Checking Account is greater than $50,000,

    2) you have completed ten (10) point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases with a minimum of $3 per transaction,

    3) You must also have bill pay set up and connected to your Basic Business Checking account or Business Interest Checking account. The bill pay transaction minimum is $10.

  • Zero opening deposit and cash deposits accepted

  • Zero minimum monthly balance requirements

  • Two outgoing domestic wire fee reimbursements monthly

  • Unlimited domestic ATM fee reimbursements

  • Enhanced Visa benefits and first 50 checks free

  • Dedicated relationship manager and more

  • QuickBooks Integration: Business owners can link their Axos Small Business Banking account to their QuickBooks account, making it easier to track expenses and manage their businesses. 

APY
Up to 1.01%
Monthly Fee
$10
Signup Bonus
$400
Product Details
  • Minimum to Open: $100

Additional Info

  • Business owners get up to $400 welcome bonus!*

  • Open a business checking account by October 31 and get up to $400 when you use promo code NEW400 on your application.* $100 will be earned for each statement cycle, up to $400 when you meet three requirements:

    1) the average daily balance in your Basic Business Checking account or Business Interest Checking Account is greater than $50,000,

    2) you have completed ten (10) point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases with a minimum of $3 per transaction,

    3) You must also have bill pay set up and connected to your Basic Business Checking account or Business Interest Checking account. The bill pay transaction minimum is $10.

  • Up to 1.01% APY*

  • $100 minimum opening deposit

  • Pay no monthly maintenance fee with an average daily balance of at least $5,000

  • Unlimited domestic ATM fee reimbursements

  • 100 free items per month, $0.50 per item thereafter (debits, credits, and deposited items)

  • Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)

  • Get the most value from your checking account.

  • QuickBooks Integration: Business owners can link their Axos Small Business Banking account to their QuickBooks account, making it easier to track expenses and manage their businesses. 

APY
0.00%
Monthly Fee
$0
Signup Bonus
$0
Product Details
  • Minimum to Open: $0

Additional Info

  • No monthly/annual maintenance fees

  • No transfer fees

  • No minimum balance fees

  • No foreign transaction fees

  • Overdraft fee-free with SpotMe®: SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

  • Get paid up to 2 days early with direct deposit: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

  • Over 60,000 fee-free ATMs: Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

  • Chime Visa® Debit Card: After you sign up, we mail you a fancy new Debit Card. 

  • Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Please see the back of your Card for its issuing bank.


Apply Now on Quontic Bank's secure site
APY
Up to 1.10%
Monthly Fee
$0
Signup Bonus
$0
Product Details
  • Minimum to Open: $100

Additional Info

  • Earn 1.10% APY on all balances: 

    10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY per account balance tier.

    If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.10% APY. Please visit our website for list of non-qualifying activities. APY means Annual Percentage Yield.

  • Open an account online in just 3 minutes.

  • 90,000 surcharge free ATMs across the nation.

  • No monthly maintenance fees or minimums.

  • FDIC Insured and secured.

Apply Now on CIT Bank's secure site
APY
Up to 0.25%
Monthly Fee
$0
Signup Bonus
$0
Product Details
  • Minimum to Open: $100

Additional Info

  • No account opening or maintenance fees

  • Multi-tiered account

  • Current APY: 0.10-0.25%; $25K min balance for higher APY

  • Daily compounding interest

  • Free online banking with Bill Pay, Zelle, Samsung Pay and Apple Pay

  • Use any U.S. ATM to access funds. No CIT fees on ATM transactions and up to $30 per month reimbursement to offset other bank's charges

  • FDIC insured


Apply Now on HSBC's secure site
APY
0.00%
Monthly Fee
50$
Signup Bonus
Earn Up to $2500
Product Details
  • Start an HSBC Premier relationship today. You'll enjoy premium banking with both local and global benefits and access to wealth solutions offered through HSBC Securities, (USA), Inc*.

  • Discover what HSBC Premier can offer you

    - Access to wealth products, insights and advice from an HSBC Wealth Relationship Manager through HSBC Securities (USA) Inc.

    - Easily open an account online, from the comfort of your home.

    - Manage your banking needs across different time zones, with 24/7 support.

    - Manage your money around the world - from global transfers to multi-currency needs.

    - New to the U.S.? Build your U.S. credit history with one of our credit cards. Or if you're buying a new home, you can use your international credit history to apply.

    - Go beyond banking with special offers, referrals for tax advice, relocation services, and more. 

  • Here's how the offer works:

    You could earn $1,500 or $2,500 if you open a new, eligible HSBC Premier checking account from July 1, 2024 through November 22, 2024, and complete qualifying activities.

    - Get a $1,500 Cash Bonus: Add New Money of $100,000 to $249,999 in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.

    - Get a $2,500 Cash Bonus: Add New Money of $250,000+ in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.

    - Cash Bonus will be deposited into your new checking account within 8 weeks of meeting all the offer requirements. 

  • Minimum Balance to Avoid Monthly Maintenance Fees:

    - Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR

    - Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR

    - Any HSBC U.S. residential mortgage loan serviced by HSBC.  Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included.

    - Consumers who maintain Private Bank status.

  • Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

  • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.


Apply Now on Fifth Third Bank's secure site
APY
0.00%
Monthly Fee
0$
Signup Bonus
$325
Product Details
  • Earn $325 when opening an eligible Fifth Third checking account with qualifying activities. Offer expires September 30, 2024.

    - Open a new checking account by 9/30/2024. Enter your offer code.

    - Make direct deposits totaling $2000 or more within 90 days of account opening.

  • The $325 bonus will be added to your new account within 10 business days of completing qualifying activity requirements.

  • Offer is not available to anyone who has an ownership interest (including, but not limited to, primary owner or joint owner) in any existing Fifth Third checking or a Fifth Third checking account that closed within the last 13 months. 

  • No monthly service fee.

  • No minimum balance requirements.

  • Free overdraft protection transfers.

  • You can avoid fees at over 40,000 partner ATMs nationwide.

  • Fifth Third Bank, National Association. Member FDIC.

Apply Now on Axos Bank's secure site
APY
0.00%
Monthly Fee
0$
Signup Bonus
$400
Product Details
  • Business owners get up to $400 welcome bonus!*

  • Open a business checking account by October 31 and get up to $400 when you use promo code NEW400 on your application.* $100 will be earned for each statement cycle, up to $400 when you meet three requirements:

    1) the average daily balance in your Basic Business Checking account or Business Interest Checking Account is greater than $50,000,

    2) you have completed ten (10) point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases with a minimum of $3 per transaction,

    3) You must also have bill pay set up and connected to your Basic Business Checking account or Business Interest Checking account. The bill pay transaction minimum is $10.

  • Zero opening deposit and cash deposits accepted

  • Zero minimum monthly balance requirements

  • Two outgoing domestic wire fee reimbursements monthly

  • Unlimited domestic ATM fee reimbursements

  • Enhanced Visa benefits and first 50 checks free

  • Dedicated relationship manager and more

  • QuickBooks Integration: Business owners can link their Axos Small Business Banking account to their QuickBooks account, making it easier to track expenses and manage their businesses. 

Apply Now on Axos Bank's secure site
APY
Up to 1.01%
Monthly Fee
10$
Signup Bonus
$400
Product Details
  • Business owners get up to $400 welcome bonus!*

  • Open a business checking account by October 31 and get up to $400 when you use promo code NEW400 on your application.* $100 will be earned for each statement cycle, up to $400 when you meet three requirements:

    1) the average daily balance in your Basic Business Checking account or Business Interest Checking Account is greater than $50,000,

    2) you have completed ten (10) point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases with a minimum of $3 per transaction,

    3) You must also have bill pay set up and connected to your Basic Business Checking account or Business Interest Checking account. The bill pay transaction minimum is $10.

  • Up to 1.01% APY*

  • $100 minimum opening deposit

  • Pay no monthly maintenance fee with an average daily balance of at least $5,000

  • Unlimited domestic ATM fee reimbursements

  • 100 free items per month, $0.50 per item thereafter (debits, credits, and deposited items)

  • Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)

  • Get the most value from your checking account.

  • QuickBooks Integration: Business owners can link their Axos Small Business Banking account to their QuickBooks account, making it easier to track expenses and manage their businesses. 

Apply Now on Chime's secure site
APY
0.00%
Monthly Fee
0$
Signup Bonus
$0
Product Details
  • No monthly/annual maintenance fees

  • No transfer fees

  • No minimum balance fees

  • No foreign transaction fees

  • Overdraft fee-free with SpotMe®: SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

  • Get paid up to 2 days early with direct deposit: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

  • Over 60,000 fee-free ATMs: Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

  • Chime Visa® Debit Card: After you sign up, we mail you a fancy new Debit Card. 

  • Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Please see the back of your Card for its issuing bank.


Apply Now on Quontic Bank's secure site
APY
Up to 1.10%
Monthly Fee
0$
Signup Bonus
$0
Product Details
  • Earn 1.10% APY on all balances: 

    10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY per account balance tier.

    If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.10% APY. Please visit our website for list of non-qualifying activities. APY means Annual Percentage Yield.

  • Open an account online in just 3 minutes.

  • 90,000 surcharge free ATMs across the nation.

  • No monthly maintenance fees or minimums.

  • FDIC Insured and secured.

Apply Now on CIT Bank's secure site
APY
Up to 0.25%
Monthly Fee
0$
Signup Bonus
$0
Product Details
  • No account opening or maintenance fees

  • Multi-tiered account

  • Current APY: 0.10-0.25%; $25K min balance for higher APY

  • Daily compounding interest

  • Free online banking with Bill Pay, Zelle, Samsung Pay and Apple Pay

  • Use any U.S. ATM to access funds. No CIT fees on ATM transactions and up to $30 per month reimbursement to offset other bank's charges

  • FDIC insured


Advertiser Disclosure: CardSavings.com is an independent, advertising-supported website. Certain offers that appear on this site are from companies from which CardSavings.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardSavings.com does not include all financial services companies or all financial products available in the marketplace.
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