Discover the best no-fee online checking accounts for 2023, offering features like interest earnings, easy mobile deposits, and widespread ATM access. These options are FDIC insured and tailored to meet diverse banking needs with minimal costs, making digital banking simple and reliable.

Top Free Digital Checking Accounts of 2023

In an increasingly digital world, fast and convenient banking has become essential. Online checking accounts offer quick access to your funds and streamlined transactions from any location. Some of these digital accounts also come with interest earnings, adding extra value to your banking experience. Below, explore a selection of no-cost or low-cost online checking options, each tailored to different financial needs and preferences.

EverBank
If earning interest on your checking balance is a priority, EverBank is a strong choice.

Their interest rates start at 0.25% APY for balances up to $9,999, increasing with larger deposits. These rates often outperform standard savings and money market accounts. Additionally, the Yield Pledge Promise guarantees these accounts remain among the top 5% in performance compared to competitors.

Capital One 360
Previously known as ING Direct, Capital One 360 offers a no-fee checking account that also accrues interest. The platform is intuitive, enabling check deposits through simple photo submissions via your smartphone. It also provides widespread ATM access across the country.

FNBO Direct
FNBO Direct features a free online checking account with an appealing 0.65% APY interest rate. It comes with a free Visa Debit Card and easy fund transfers via mobile apps or email, making banking straightforward and accessible.

All these accounts are FDIC insured, ensuring that your deposits are secure and protected.