10 checking accounts with no overdraft fees in 2026

Consumers paid more than $12 billion in overdraft and non-sufficient funds (NSF) fees in 2024, according to a FinHealth Spend Report that also found that accountholders who paid these charges averaged $380 a year.

We've selected 10 checking accounts that don't charge overdraft fees, giving more weight to those that also forego maintenance fees and opening deposit and balance requirements, and provide access to a large network of free ATMs

1. Capital One 360 Checking® Account

In addition to not charging overdraft fees, Capital One 360 Checking doesn't have a monthly maintenance fee or minimum balance requirement. Account holders have access to a network of over 70,000 free Capital One®, MoneyPass and Allpoint® ATMs.

2. Ally Bank Spending Account

The Ally Bank Spending Account comes with no overdraft fee, monthly maintenance fee, minimum deposit or minimum balance requirement. Ally's free ATM network includes more than 75,000 Allpoint® ATMs.

3. Discover® Cashback Debit Account

Discover® Cashback Debit Checking comes with optional free overdraft protection, which draws on funds in your Discover savings account to cover transactions. There's no monthly maintenance fee and account holders don't need to make a minimum deposit or maintain a minimum balance.

You can also earn 1% cash back on up to $3,000 in debit card purchases each month and Discover's free ATM network includes more than 60,000 Allpoint® and MoneyPass® ATMs.

4. Axos Bank Rewards Checking

With Axos Bank Rewards Checking, there's no overdraft fee, maintenance fee, minimum balance or initial deposit requirements. If you do meet certain direct deposit or daily balance minimums, however, you may be eligible for higher APY rates.

5. Betterment Checking

Betterment Checking customers don't have to worry about overdraft fees or account minimums. Betterment will also reimburse all your out-of-network ATM fees worldwide, including foreign transaction fees.

6. Wealthfront Cash Account

Wealthfront Cash Account customers don't pay maintenance or overdraft fees and they can make free transfers into a connected Wealthfront investment account. The Palo Alto, California-based fintech company operates a network of over 19,000 free ATMs.

7. Alliant Credit Union High-Rate Checking

Alliant Credit Union High-Rate Checking has no overdraft fees, monthly service fee or minimum balance requirement. Account holders can access over 80,000 free ATMs.

8. Citi Access Checking

Citi Access Checking doesn't have overdraft or returned item fees. There is a $5 monthly service fee but it can be waived with a minimum $250 in enhanced direct deposits each month. Customers get access to 65,000+ fee-free ATMs.

9. Wells Fargo Clear Access Banking

Wells Fargo Clear Access Banking customers don't pay overdraft or returned item fees. There is a $5 monthly service fee but it can be waived with a $250 electronic deposit or for account holders age 13 to 24.

10. Chime® Checking Account

Chime Checking Account members who have a Chime Visa debit card or Credit Builder card and receive a qualifying direct deposit of $200 or more a month can enroll in SpotMe® and have up to $200 in overdrafts covered. They also enjoy access to more than 47,000 fee-free ATMs.

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Information about the Discover Cashback Debit Account has been collected independently by CNBC Select and has not been reviewed or provided by the issuers prior to publication.

Ally Bank, Capital One Bank, Citibank, Wells Fargo Bank and Discover® Bank are members of the FDIC. Alliant Credit Union is a member of the NCUA.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.