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No fee checking accounts	Spending with your debit card. Pros Just five minutes to open an account online There are some fees, but most are avoidable Highly-rated mobile banking app. SoFi offers a strong interest rate in addition to cash-back opportunities and a bonus. APY: Up to 3. How we rate banks and credit unions.

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With accounts built for every stage of life, you'll get free Online Banking, Mobile Banking, no fees at TD ATMs, plus overdraft options to help you avoid fees. You don't have to pay for checking. See the best free checking accounts at traditional banks, neobanks and credit unions. Just starting out? There is no monthly maintenance fee on our Advantage Safebalance Banking account if you're under age