No one likes opening a bank account with lots of requirements. 

Opening a bank account online has become increasingly popular, especially for those who are looking for a free online checking account with no opening deposit, fee, credit check, or minimum balance requirement. 

Fortunately, there are several banks that allow you to open bank account online with no deposit and even with bad credit or no credit.  

Let me share with you the details of banks with free checking accounts with no deposit or credit check, focusing on the benefits and features they offer to help you regain control of your financial life.  

Our Top Picks and Why:

Bank Name With Free Checking Account: Chime (Sign up now, it takes only 2 minutes)

Why Chime: No Monthly fee, no opening deposit required, no credit check requirement, no overdraft fee, no minimum balance requirement, 

Important features: State of art Banking app, Serious security, funds are FDIC insured up to $250,000, FDIC member, and 60,000 fee-free ATM. 

Sign up now: Click here to sign up, and enjoy online banking solutions. 

4 Top Banks With Free Online Checking Account No Opening Deposit, No Credit Check 

Here are the best banks with free checking accounts with no deposit or credit check requirement. 

#1. Chime

Chime is a mobile banking app company that offers an online banking app with various features and benefits. The Chime mobile banking app is available on both Android and iOS devices and provides a convenient way to manage your money. 


It provides a user-friendly platform and a range of features to help you manage your finances without the burden of high fees or minimum balance requirements.

It partners with two banks, The Bancorp Bank and Stride Bank, to offer checking and savings accounts, ensuring that the accounts are FDIC insured. The app is designed to help you manage your finances more efficiently and avoid traditional banking fees.

Some of the key features of the Chime app include:

  • Online banking with no monthly fees: Manage your account without incurring any monthly fees.
  • Overdraft Fee-Free with SpotMe: Chime provides an optional, no-fee overdraft service called SpotMe, which allows users to overdraw their accounts up to $200 without incurring any fees.
  • Mobile check deposit: Deposit checks directly through the app.
  • Mobile payment app support: Integration with digital wallets like Apple Pay, Google Pay, and Samsung Pay.
  • Instant Transfers: Chime enables instant transfers between friends and family using the Pay Anyone feature.
  • Member-first features: Chime focuses on providing features that prioritize the needs of its users.
  • Personalized security settings: Set up two-factor and fingerprint authentication for added security.
  • Encrypted payments: ensure the safety of your transactions.
  • FDIC insured funds: Your funds are insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC3.

Benefits of using the Chime app include:

  • Security: Chime provides various security features, such as two-factor authentication, fingerprint authentication, and secure processes, to protect users’ information
  • Fee-free overdraft: Chime’s SpotMe feature allows you to overdraft without incurring any fees.
  • Get paid early: With direct deposit, you can receive your paycheck up to two days earlier than with traditional banks.
  • No hidden fees: Chime does not rely on fees and aims to protect its members.
  • 24/7 support: Chime offers support through phone, email, and in-app channels, as well as a Help Center.
  • Ease of use: The app is designed to be user-friendly and easy to navigate.
  • Convenience: Manage your money from anywhere, anytime, using your smartphone.

#2. CashApp

Cash App is a mobile payment service that allows users to send and receive money, invest in stocks and Bitcoin, and access various banking features through a simple and user-friendly interface. 

Here are some of the key features and benefits of using Cash App banking:

Features of Cash App Banking

  1. Send and receive money: Cash App allows you to send and receive money instantly with just a few taps on your smartphone.
  2. Linking bank accounts: Users can link their bank accounts to Cash App for seamless transactions and easy money transfers.
  3. Cash Card: Cash App offers a customizable debit card called Cash Card, which can be used at ATMs or for making purchases.
  4. Direct deposits: Cash App supports ACH direct deposits, so you can receive your paychecks, tax refunds, and other payments directly into your Cash App account.
  5. Investing: you can invest in stocks and Bitcoin directly through the app, with as little as $1.
  6. Boost Rewards: Cash Card users can benefit from Boost Rewards, which provide discounts and cashback at a variety of merchants.

Benefits of Using Cash App Banking

  • No fees: Cash App does not charge any fees for sending or receiving money, so it is a good choice for peer-to-peer transactions.
  • Convenience: Cash App has a simple, easy-to-use interface that makes it easy for you to keep track of their money and transactions.
  • Speed: Transactions on Cash App are typically instant, allowing you to quickly send and receive money.
  • Security: Cash App uses encryption and fraud detection technology to protect users’ information and transactions.
  • Accessibility: Cash App is available to users in the United States, making it a widely accessible banking option.
  • Financial management: Cash App allows you to track their spending, investments, and account balances all in one place.

Overall, Cash App banking offers a range of features and benefits that make it a convenient and user-friendly option for managing finances, sending and receiving money, and investing.

FREE Open Bank Account Online with No Deposit & Bad Credit

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