A smiling customer talking with one of our bankers

Checking accounts

Everyday banking that doesn't cost you a thing

No monthly fees, no minimum balance and your pay up to 2 days early. Open an account online in minutes.

Open an account Compare accounts

Monthly fees

Early pay

2 days

To apply online

5 min

Everyday Checking

Simple, fee-free banking for day-to-day spending.

Monthly fee$0

Minimum balanceNone

Opening depositAny amount

Early payUp to 2 days

Contactless debit cardIncluded

Open Everyday Checking

Everything you need, nothing you don't

No monthly fees

No maintenance fees and no minimum balance on Everyday Checking.

Get paid early

Set up direct deposit and receive your pay up to 2 days early.

Card controls

Freeze and unfreeze your debit card instantly in the app.

Send money fast

Pay friends and family in seconds using just their phone number or email.

Fee-free ATMs

Withdraw cash for free at thousands of ATMs in our partner network.

Overdraft cover

Link a savings account to cover payments when your balance runs low.

Bank on the go

Your account in your pocket

Spending insights

See where your money goes, with purchases sorted into categories automatically.

Instant notifications

Get an alert every time your card is used or money arrives.

Mobile check deposit

Snap a photo of a check to deposit it without visiting a branch.

Bill pay

Schedule one-off or recurring payments to any company or person.

Everyday Checking

$2,418.60

Available balance

Payroll deposit

Today

+$1,850.00

Grocery store

Yesterday

−$64.21

Coffee shop

Yesterday

−$4.75

Electric bill

Mon

−$92.40

How it works

Open an account in three steps

Step 1
Apply online
It takes about 5 minutes. Have your ID and Social Security number ready.
Step 2
Add money
Transfer from another bank or deposit a check in the app.
Step 3
Start spending
Use your digital card straight away. Your physical card arrives in 5–7 days.

FAQs

Your questions answered

You can open Everyday Checking with any amount. Premium Checking needs $25 to open.

When your employer sends pay electronically, we make it available as soon as we receive notice, up to 2 business days before payday.

If you've linked a savings account, we move money across automatically. Without it, payments that would overdraw your account are declined, so you're never charged an overdraft fee.

The monthly fee is waived when you keep a $500 average daily balance or receive $1,500 in direct deposits that month.

Yes, your card works wherever card payments are accepted. Premium Checking customers get two foreign transaction fees waived each month.

Yes. You can add a joint owner when you apply or at any time afterwards. Both owners have full access to the account.

Ready to switch your everyday banking?

Open a checking account online in about 5 minutes.

Open an account Talk to us

Checking accounts

Everyday banking that doesn't cost you a thing

No monthly fees, no minimum balance and your pay up to 2 days early. Open an account online in minutes.

Open an account Compare accounts

Monthly fees

Early pay

2 days

To apply online

5 min

Everyday Checking

Simple, fee-free banking for day-to-day spending.

Monthly fee$0

Minimum balanceNone

Opening depositAny amount

Early payUp to 2 days

Contactless debit cardIncluded

Open Everyday Checking

Everything you need, nothing you don't

No monthly fees

No maintenance fees and no minimum balance on Everyday Checking.

Get paid early

Set up direct deposit and receive your pay up to 2 days early.

Card controls

Freeze and unfreeze your debit card instantly in the app.

Send money fast

Pay friends and family in seconds using just their phone number or email.

Fee-free ATMs

Withdraw cash for free at thousands of ATMs in our partner network.

Overdraft cover

Link a savings account to cover payments when your balance runs low.

Bank on the go

Your account in your pocket

Spending insights

See where your money goes, with purchases sorted into categories automatically.

Instant notifications

Get an alert every time your card is used or money arrives.

Mobile check deposit

Snap a photo of a check to deposit it without visiting a branch.

Bill pay

Schedule one-off or recurring payments to any company or person.

Everyday Checking

$2,418.60

Available balance

Payroll deposit

Today

+$1,850.00

Grocery store

Yesterday

−$64.21

Coffee shop

Yesterday

−$4.75

Electric bill

Mon

−$92.40

How it works

Open an account in three steps

Step 1
Apply online
It takes about 5 minutes. Have your ID and Social Security number ready.
Step 2
Add money
Transfer from another bank or deposit a check in the app.
Step 3
Start spending
Use your digital card straight away. Your physical card arrives in 5–7 days.

FAQs

Your questions answered

You can open Everyday Checking with any amount. Premium Checking needs $25 to open.

When your employer sends pay electronically, we make it available as soon as we receive notice, up to 2 business days before payday.

If you've linked a savings account, we move money across automatically. Without it, payments that would overdraw your account are declined, so you're never charged an overdraft fee.

The monthly fee is waived when you keep a $500 average daily balance or receive $1,500 in direct deposits that month.

Yes, your card works wherever card payments are accepted. Premium Checking customers get two foreign transaction fees waived each month.

Yes. You can add a joint owner when you apply or at any time afterwards. Both owners have full access to the account.

Ready to switch your everyday banking?

Open a checking account online in about 5 minutes.

Open an account Talk to us