Bank Bonuses With No Monthly Fee
Why pay monthly fees when you can get paid instead? These banks offer sign-up bonuses with truly free accounts - no monthly fees, no minimum balance requirements, no hoops to jump through.
Why No Monthly Fee Matters
Average annual cost of a $12/month checking fee
What you pay with these no-fee accounts
Plus you get a sign-up bonus
Free Checking Account Bonuses
Axos Bank
Axos Rewards Checking
SoFi
SoFi Checking & Savings
Citizens Bank
Citizens One Deposit
Fifth Third Bank
Fifth Third Momentum Checking
Huntington Bank
Huntington Unlimited Plus Business
KeyBank
KeyBank Key Smart Checking
Capital One
360 Checking
Ally Bank
Ally Interest Checking
Discover Bank
Discover Cashback Debit
Free Savings Account Bonuses
BMO
BMO Alto Online Savings
American Express
American Express High Yield Savings
Citibank
Citi Accelerate Savings
Capital One
360 Performance Savings
Discover Bank
Discover Online Savings
PNC Bank
PNC High Yield Savings
Ally Bank
Ally Online Savings
Marcus by Goldman Sachs
Marcus High-Yield Savings
Best Banks for No-Fee Accounts
Online Banks
SoFi, Ally, Discover, Capital One 360 - These banks have no physical branches, so they pass savings to customers with no fees and higher APYs.
Credit Unions
Many credit unions offer free checking with bonuses. Check local credit unions in your area.
Neobanks
Chime, Current, Varo - App-based banks often have no fees, though bonuses may be smaller or require referrals.