The Best Second Chance Banks and Credit Unions in Montana

Chime is a fast-growing internet-only financial company and our top choice for a second chance bank account.

And, best of all, Chime accepts almost all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or the credit bureaus.

Features include mobile deposits, direct deposit, online bill payment, NO monthly or annual fees, NO overdrafts fees¹, NO credit check, and NO CheckSystems. Opening an account is super easy. It takes about 2 minutes and you don’t have to make an initial deposit. Here’s what we like:

No Monthly Fees

For the past couple of years, Chime’s huge growth has come at the expense of the big banks and their outrageous fees. And it’s one of the best features of a Chime account. There are no monthly or annual service charges, no minimum balance requirement, no foreign transaction fees, no fees at over 60,000 ATMs², and no fees for mobile and online bill pay.

Deposit Cash for FREE at Over 8,500 Walgreens

Having access to a physical location for cash deposits is important to Chime members. And now it’s easy. All you have to do is go into a Walgreens store, hand the cashier the cash you want to deposit along with your Chime card, and the deposit will show up in your account immediately. This offers Chime members more walk-in locations than any other bank in the U.S. With over 78% of the country within 5 miles of a Walgreens, this is a significant benefit for millions.³

Smart Technology

Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

You can transfer funds to friends and family, Chime members or not… and they can claim their money instantly⁴ without any additional apps. The Chime app also has a series of notifications that you can turn on or turn off so you stay in complete control. Misplaced or lost your card? You can instantaneously turn off your card using the app. No wonder over 300,000 customers have given the app a 5-star review.

Customers First

Chime was one of the first to offer a “round up” option. If you use your Chime card on a purchase of $10.65, Chime gives you the option of automatically rounding up to $11.00 and putting the remaining $.35 in your free Chime savings account. And that adds up over time! Plus, Chime pays 0.50% Annual Percentage Yield (APY)⁵ in interest on that savings account.

If you use direct deposit with your Chime account, you can get your paycheck up to 2 days early⁶. And Chime is just saying no to big bank NSF charges with a fee-free overdraft program up to $200. Finally, Chime just recently launched their Credit Builder credit card with no interest and no annual fee. We don’t think there is another company innovating for their customers like Chime.

Get a Chime Account Today!
Chime is a financial technology company, not a bank. Banking services and debit card issued by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. See additional disclaimers below.

For many people, having access to a local bank branch is paramount when setting up a checking account. With over 16,000 ATMs and 4,800 branches across the country, the Chase Secure Banking account might be the perfect fit.

Here are some of our favorite features with this account:

• NO credit check
• NO ChexSystems
• NO minimum deposit to open
• NO overdraft fees
• FREE access to over 16,000 Chase ATMs
• FREE Chase Online Bill Pay
• FREE money orders and cashier’s checks

Highly Rated Mobile App

Available for iOS and Android, the Chase Mobile app offers 24/7 access to your account. The app is highly rated, earning 4.8 stars out of 5 on the App Store and 4.4 stars out of 5 on Google Play.

You can transfer funds, deposit checks, send money with Zelle, set up account alerts and notifications, and lock your card if it’s been lost or stolen.

The app also has incredibly helpful budgeting tools, personalized insights, and the ability to check your credit score for free.

How The Account Works

Opening the Chase Secure Banking account is easy. They verify your name, address, and social security through Experian, but don’t pull a credit report or credit score. Chase doesn’t use ChexSystems for this account, either. Account approval is immediate, there’s no opening deposit requirement, and you’ll receive your Chase Secure card within a matter of days.

Chase doesn’t offer overdraft services with this account as you can only spend the money you have available and the account does not include paper checks.

Chase Secure Banking carries a $4.95 monthly service fee that cannot be waived. But combined with all the free services and the $100 cash bonus when you use the card for 10 purchases within 60 days, the monthly fee doesn’t pose a problem for most customers. And, you’ll have peace of mind with Chase’s Zero Liability Protection if you detect and report unauthorized transactions.

Banking With A Leader

Chase claims to be involved with 40% of Americans in some way or another. There can be comfort in size, reach, and stability. Chase has all of that and the assurance they will be there for a long, long time.

If you’ve wanted to bank with Chase and wondered if you’d qualify, we think you’re going to be really happy with the Chase Secure Banking account.

Get a Chase Secure Banking account today!

NorthOne is a fast-growing company built specifically around business banking solutions for freelancers, entrepreneurs, and small business owners. In addition to dramatically streamlining the application process, NorthOne doesn’t check your credit and doesn’t use ChexSystems. Here’s a recap:

• FREE business Mastercard debit card
• FREE access at over 1,000,000 ATMs nationwide
• FREE online and mobile app
• FREE live chat (not a chatbot), telephone, or email support
• FREE in-app invoice creator
• NO minimum monthly balance requirement
• NO NSF fees
• NO ACH transfer fees
• NO credit check or ChexSystems

Banking Services

NorthOne doesn’t require a minimum account balance and charges a $10 monthly fee that includes unlimited transactions in your account. These include ACH payments, bill pay, debit card usage, mobile deposits, and transfers. The only other fee is $15 for wire transfers.

You can also grant read-only access to employees or your accountant or bookkeeper. This keeps your account safe while also giving access to those who need it.

Integrations

With NorthOne business banking, you can connect your account to an almost unlimited number of third-party apps. NorthOne integrates with business tools including Paypal, Stripe, Square, Etsy, Shopify, Airbnb, Amazon, Venmo, Toast, Uber, Lyft, Quickbooks, FreshBooks, Wave, Expensify, and many more. Through these integrations, you can sync transaction details, collect payments, see and pay invoices, send payroll, pay contractors, and more.

If creating and sending invoices, quotes, and estimates is critical to your business, NorthOne offers a free stand-alone invoice creator that integrates seamlessly with the banking app. We’ve tried it and think it’s an elegant solution.

Envelopes

NorthOne has created a feature that helps you plan for and manage important expense categories. They call these sub-accounts “Envelopes” and you can set up as many as you want. This allows you to set aside funds you know you’ll need in the future such as taxes or payroll. You can set custom rules for your envelopes and easily move money back and forth as needed.

Application Process

NorthOne targets account approvals within one to two business days. Information required to open an account includes name, address, and social security number or tax identification number. If applicable, NorthOne may ask for a copy of your business license and business formation documents. After you’re approved, you’ll need to make a $50 minimum opening deposit.

NorthOne is one of the most competitive business bank accounts for entrepreneurs and small business owners. Their combination of services and offerings, the fast application process, and customer support create an outsized competitive advantage for both the bank and its customers. Every small business owner understands how critical that is for success.

Open an account today!

Acorns is making a name as a place to invest money for the long term, but what we really like is that they offer both checking and savings accounts. Best of all, Acorns doesn’t use ChexSystems or a credit report to approve accounts! That makes Acorns Spend another of our favorite second chance checking accounts. As a company built to compete with the largest banks, Acorns offers some extraordinary benefits.

We love the heavy metal tungsten Visa debit card and the world-class smartphone app that allows you to manage every aspect of your new checking account such as budgeting, spending, and security.

Another nice option is the ability to round up on every purchase and Acorns will take that money and automatically put it in a savings account. This really helps build a nest egg.

It takes about 2-3 minutes to sign up and not only do you get a checking and savings account, but you also have access to an investment account once you’re ready to consider that. And, it’s free.

Here’s more:

• FREE Visa® debit card
• FREE bank-to-bank transfers
• FREE physical check sending online or through the mobile app
• FREE mobile check deposits
• FREE or reimbursed ATM withdrawals nationwide
• NO minimum balance of overdraft fees
• NO credit check; ChexSystems OK
• FDIC insured

There is a $3 monthly fee that is easily covered by the ATM fee reimbursement and other goodies included with the account. To get the $75 bonus, all you have to do is set up Acorns Spend as your direct deposit method with your employer and receive 2 direct deposits of at least $250 each ($500 total).

If you’ve struggled with poor credit or ChexSystems, Acorns might be the perfect account.

Get An Acorns Account!

Current is another web-only national bank that has some really great features… and has become one of the fastest-growing checking accounts for consumers who want it all without all the costs and hassles.

Why are we featuring Current on our website? It’s simple: they don’t use ChexSystems or your credit report to open a new account. Sign-up takes about 2 minutes and Current has extremely high acceptance rates. But what’s really cool are the incredible features offered with this account:

• NO minimum balance
• NO deposit required to open an account
• NO overdraft fees when you overdraw by up to $100 with Overdrive™
• NO fees at over 40,000 ATMS in the U.S.
• Get your paycheck up to 2 days early with direct deposit
• Earn 4.0% interest on your balance up to $6,000
• Earn points for unlimited cashback at participating retailers
• Send money instantly for free
• An elegant but simple smartphone app
• 24/7 member support

Current offers a really unique service it calls Gas Hold Removals. What’s a gas hold? Some gas stations may apply a hold from $50 to $100 when you use a debit card to pump gas. If you only pumped $10 of gas, but the gas station places a $100 hold on your funds, you won’t have access to the $90 difference for up to 3 business days! The Current debit card will immediately refund the hold so you have access to all your funds. We haven’t found that benefit anywhere in the marketplace.

Here’s what’s really important, though. Deposits are FDIC-insured up to the highest possible amount allowed: $250,000. We love the features, we love the smartphone app, and we love Current. That makes us think you’ll love them too.

Get a Current Account Now!
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Metropolitan Commercial Bank, Members FDIC.

The SoFi Money Checking Account is offered by SoFi Bank. It’s a checking and savings account on steroids and we love that. Plus, they don’t use ChexSystems to approve accounts.

You get a debit MasterCard and a very slick smartphone app. You can make deposits, write checks, utilize electronic bill pay, and transfer money. There are no monthly fees or overdraft fees. Plus, you earn interest on all the money in the account! The sign-up process can take less than 60 seconds. With over 2.5 million members, SoFi is a bank you can count on!

The $325 bonus comes in two parts. When you deposit at least $10, SoFi will credit your account $25. When you set up direct deposit from an employer, SoFi will credit your account $300 and bump the interest rate you earn to 1.25% APY. The bonus and interest rate are some of the highest we’ve seen.

• No account fees
• No minimum balance
• No fees at over 55,000 ATMs
• Access to SoFi member benefits like career coaching and financial advising
• Automated bill pay
• Freeze debit card on-the-go

SoFi Money has been great! The account was easy to open and I got my debit card a few days later. The smartphone app is easy to use and I can check everything from my computer, too. I’ve had some issues with ChexSystems in the past and SoFi Money seems to be the perfect account.

Gena M., SoFi Money Customer

Get a SoFi Account Now!

Aspiration is a socially and environmentally conscious company that can help you make more sustainable choices — while making the most of your money. Their Spend & Save account combines both checking and savings and opening an account takes just a couple of minutes. Aspiration does not use ChexSystems or your credit report to open an account.

Free or Monthly Fee – You Choose

With an Aspiration account, you decide how much your monthly fee will be — starting at $0. Through its “Pay What Is Fair” model, the company trusts customers to choose a monthly fee that’s fair for your wallet and fairly reflects the service you get from Aspiration. You can change your fee at any time.

For $7.99 per month, you can also choose to become an Aspiration Plus member and earn extra perks: 5% APY interest on savings, 10% cashback on certain purchases, and a debit card made of recycled ocean plastic.

Whichever account you choose, there are no minimum balance requirements. There are no fees at over 55,000 ATMs and no fees for paper checks you receive when you open the account. You can’t overdraft on your Spend & Save Account, so you don’t have to worry about overdraft fees, either.

If you set up direct deposit, your money will get to your account up to 2 days early. There is a $10 opening deposit required.

Do Well. Do Good.

Aspiration has created a banking experience they hope will match your environmental values. This includes a pledge that deposits won’t fund fossil fuel exploration or production and providing a personal impact score to help you shop to match your values. Another cool feature we like is that with every “round up” purchase you make, Aspiration will plant a tree.

If you upgrade to the Aspiration Plus account, there are a host of “Planet Protection” features. For example, Aspiration will provide carbon offsets to match the calculated carbon output for every gas purchase you make. You’ll get 10% cash back on purchases from the “Conscience Coalition” which includes retailers such as Blue Apron, Warby Parker, Imperfect Foods, and Toms.

This is the only banking product we’ve reviewed that offers the opportunity for members to spend and save with an environmentally friendly purpose.

Banking Your Way

There’s a lot to like about Aspiration: With NO ChexSystems and NO credit check, getting an account is easy and the smartphone and online apps are beautifully organized. Plus, you get rewarded for spending smarter and making an impact on your own carbon footprint.

Open an Aspiration Account Today!

Clearwater Credit Union offers a second chance account for those who have had trouble in the past qualifying for a traditional checking account. It’s called SmartSpend Checking and it is designed to provide you with all the basics while keeping costs down.

SmartSpend Checking does not have a minimum balance requirement and has a monthly service fee of $7.50. The account comes with unlimited check writing capabilities and even allows you to earn dividends on your account balance!

In order to become a member at Clearwater CU, you are required to have a connection to at least one of 20 eligible counties. Even if you do not live or work within their boundaries, you can contact them and request to further review your membership application. Their branches can be found in Missoula, Stevensville, and Butte.

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Rather than referring to your ChexSystems history, First Security Bank only requires two forms of ID when you apply for a checking account. It’s important to note that one ID must be government-issued.

We like their Totally Free Checking account because it has no monthly service fees and no minimum balance requirements. All that is needed to open the account is a $50 opening deposit. From there, you will receive a free Visa debit card, access to online banking with bill pay, and even a free thank you gift!

The Totally Free Checking account can be applied for online or in person. First Security Bank has several branches in Bozeman, Belgrade, Three Forks, Big Sky, and West Yellowstone.

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Garfield County Bank is another great example of a non-ChexSystems bank that only requires proper ID when you apply for an account. You will need to provide two forms of ID, one of which must be government-issued, and your social security card.

We recommend their Pay Less Checking account if you want a simple way to manage your money while avoiding pesky service fees. There are no minimum balance requirements and no monthly service charges. If you want check images to be returned with your monthly statement, you will need to pay a $6.75 monthly fee. If you do not need check images, the account is free each month.

To get started, you can give them a call or stop by their branch in Jordan, Montana.

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GO2bank is an offering of pre-paid card giant GoBank and we think it’s a step in the right direction. Like some of the newer “challenger banks” GO2bank will deposit your direct deposit check up to 2 days early and has cashback rewards on several categories of purchases. This account also makes you eligible for the GO2bank credit card, which has no annual fee or required credit check.

One significant drawback to many online-only bank accounts is that they have no way to accept cash deposits. But GO2bank accepts cash deposits at over 90,000 Green Dot locations nationwide. However, participating retailers may charge you a fee.

If you direct deposit over $500, your monthly maintenance fee of $5.00 is waived. And, they offer a pretty sweet overdraft protection program, but it has a gotcha charge of $15 if you don’t replace the funds within 24 hours.

Account-holders will appreciate the ability to budget their money with the help of a mobile app, budgeting tools, and a savings vault. In fact, they pay 1% on all money in the saving vault up to $5,000.

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Go Further from GTE Financial helps put you on the path to a better checking account. If you don’t qualify for a traditional account, the Go Further account will help you get there in as little as 12 months. We consider this a low-cost second chance checking. As long as you make a total deposit of $500 for the month, opt to receive eStatements and make 15 monthly transactions, the $9.95 maintenance fee is waived.

GTE Financial is one of the largest credit unions in the US. Membership is open to anyone through easy requirements and an online application process. The Go Further account includes:

• Free EMV-equipped debit card with built-in rewards
• Online and mobile banking tools
• Free bill pay service
• Easy money transfers through the Popmoney service

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LendingClub Banking, formerly Radius Bank, has a second chance checking account called Essential Checking. It’s an FDIC-insured checking account designed to help you manage your money with powerful technology and limited fees. Available to residents in all 50 states.

• Free MasterCard® debit card
• Free mobile banking with check deposit
• Free online banking with bill pay
• $10 minimum deposit to open account
• Monthly service charge of $9.00
• No minimum balance
• Ability to upgrade account after 12 months of responsible banking

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Lili was custom made for freelancers and independent contractors who are operating as sole proprietors and single member LLCs and we really like their offering. Lili aims to approve most accounts within 2-3 days, but some accounts are approved in 2-3 hours.

Lili offers a checking account and Visa debit card with no initial deposit or minimum balance requirement, no hidden fees, no credit check, and no ChexSystems. Lili makes getting your account easy! Here’s more of what we like:

• FREE business VISA debit card
• FREE (and very user-friendly) mobile app
• NO minimum balance
• NO NSF charges or fees
• NO credit check or ChexSystems
• Receive direct deposit funds 2 days earlier than many banks
• Mobile check deposit
• Unlimited fee-free transactions
• Takes 3 minutes to apply

Integrated Tools

The Lili smartphone app gives you access to tools to manage your expenses and taxes. You assign a category for each expense by swiping left for “life” or personal expenses and right for “work” or business. You can also add receipts to transactions, download quarterly and annual expense reports, and track spending in real-time. Lili will automatically assign an expense category based on the merchant, but allows you to edit the category as needed.

Buckets

Lili has an optional feature called “buckets” that allows you to set aside money in a savings account. The first of these is called a “Tax Bucket”, where you specify a percentage of your direct deposits you want to be saved for future tax payments. You can easily make adjustments and changes along the way and move the money back and forth from your checking account and tax bucket savings account. That way, you know the money will be there when you need to make tax payments.

The second of these buckets is called the Emergency Savings Bucket. You can automatically transfer at least $1 a day to this savings account to use for any larger purchase or unforeseen expense.

Robust for Most

Lili is best for small business owners who want a no-frills, no cost, no minimum balance bank account. You can run all your business and personal expenses through the account and can easily identify and separate them out for accounting and tax purposes. After your account is set up, you can add a business name or DBA name to the account. And you manage everything from the touch of your smartphone.

But there are some limits, too. Lili doesn’t offer checks and you can’t set up your account with an employer identification number. Depositing cash at Green Dot locations can cost up to $4.95 and mobile check deposits are limited to $6,000 per month.

Lili Pro

Lili recently announced a new set of features called Lili Pro. The cost is $4.99 per month and includes a no-fee overdraft up to $200 on debit card purchases and a robust and unlimited invoicing capability built into the smartphone app. On top of that, users receive 1.00% APY on savings account balances and a more robust expense tracking capability. The Pro version also offers cashback when you make purchases at over 14,000 merchants. If you’re not sure you want to sign up for Lili Pro, get Lili Standard (no cost) and you can upgrade later.

Application Process

You can set up an account online. If you’re a freelancer, you should receive approval and account access almost instantly. If you’re a sole proprietor or single-member LLC, approval can take a couple of days. You can fund your account using a mobile check deposit, direct deposit, ACH transfer, or by linking your Venmo, PayPal, or Cash App account.

Lili is open for business. Anyone who is their own boss: a sole proprietor, gigsters (ie. Uber and Lyft drivers), contractors, freelancers, or part-time entrepreneurs – you all qualify! Whether you opt for the fee-free Lili Standard account or the upgraded Lili Pro account, we think you’re going to like the way Lili helps you manage your growing business!

Open a Lili account now!

No matter your banking past, Navy Federal Credit Union offers traditional checking for all members in Alabama and across the US. With no review requirements of your banking history, NFCU is an excellent choice for active duty or retired US military, family members and government contractors. There are two banking choices to choose from: Active Duty Checking and Free eChecking.

Both account options come with a free NFCU debit card. There is no monthly service fee with direct deposit. Your account is protected from overdrafts with free savings transfers, a checking line of credit or an optional overdraft protection service. You also receive:

• Free mobile deposits
• Free bill pay
• Free traditional name-only checks
• Dividends credited monthly

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One of the most important steps to taking your business to the next level is the need to set up a business bank account. And if you get the right business account, it can give your growing business all the tools much larger businesses enjoy… without all the big business costs.

Novo understands small business owners and makes it easy to open and manage an account. As an online-only bank, you’ll find Novo strikes the right balance between technology, human touch, and real-world benefits. Here are some of our favorite features for Novo Business Checking:

• NO monthly fees
• NO minimum balance requirement
• NO ATM fees
• NO credit check or ChexSystems
• FREE Mastercard debit card
• FREE mobile app
• FREE transfers, mailed checks, and incoming wires
• FREE invoicing to create, send, and track invoices
• FREE mobile check deposit

Business Banking Made Easy

There are no monthly fees, no minimum balance requirements, no incoming wire fees, and no transaction fees with Novo. Novo even refunds all ATM fees. You’ll never be charged for incoming or outgoing ACH transfers, debit card replacements, paper statements, or stop payments.

If you’d like, Novo will send free paper checks for your use. You can also use the app to have checks mailed out. The gotcha with paper checks is that if you don’t have enough money to cover the check, Novo will charge a fee of $27 for insufficient funds. And if you deposit a check from a customer that doesn’t clear, you’ll get whacked for $27.

Novo doesn’t allow you to deposit cash. Instead, you’ll have to use vendors such as USPS, Walmart, and grocery stores to exchange your cash for a money order. Then you can use the mobile check deposit feature to deposit the money order. Novo may not be the right business account for you if your business deals with a lot of cash.

Business Tools

You can manage your account from your computer or the Novo smartphone app. This allows you to avoid the hassle of visiting a physical bank. And the Novo Reserves budgeting tool allows you to set aside funds in your checking account for expenses such as payroll or taxes.

We especially like their fully integrated invoicing feature which allows freelancers and contractors to send and manage unlimited invoices. You can make payments by ACH transfer and if you are using the Novo Stripe integration you can accept payments through your Stripe account.

Novo seamlessly integrates with popular business tools such as Stripe, Shopify, Zapier, Quickbooks, and Xero. You can also connect Square, Wave, PayPal, Venmo, Apple Pay and Google Pay.

Discounts

Novo has a program called Novo Perks that gives you perks on wide range of business software and services such as Stripe, Quickbooks, Gusto, Google, Hubspot, Booking.com, and many more. For example, you can get $20,000 in fee-free credit card processing with Stripe.

Application Process

It takes about 10 minutes to sign up for a Novo account. You’ll need personal and business information, which may include a social security number, business tax ID, and business formation documents. They do not check your credit or use ChexSystems.

Novo is growing quickly. Their offering is popular with small business owners. The account approval process is currently taking 1-2 business days and once you’re approved, you can get full access to your account with a simple $50 deposit.

We like Novo. We think you’ll like it, too.

Open an account today!

The Safe Debit Account is an account that almost anyone can use to store and transact money. You can use direct deposit, configure low balance alerts, and send money to family and friends within your account. The one thing that you won’t be able to do is write checks.

Instead, the Safe Debit Account makes things easier by making the funds available via debit card. With a debit card, it is proven that account holders are much less likely to overdraw. With only a $4.95 maintenance fee, the account is very affordable to open and maintain. Another added benefit of this account is that you’ll get free monitoring of your credit score so you can ensure you are on the right track.

To open an account, you can apply online or visit one of US Bank’s branches in Montana. They can be found in Billings, Chester, Glendive, Hamilton, Great Falls, and several other cities across the state.

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Valley Bank of Helena will not refer to ChexSystems, Telecheck, EWS, or even a credit report when you apply for a checking account. Instead, all they require are two forms of ID. It’s important to note that at least one form of ID must be government-issued.

We like their Totally Free Checking account because, well… it’s totally free! There are no monthly service charges to worry about and no minimum balance requirements. All it takes to open this account is a $50 opening deposit. If you want to earn interest on your balance, check out their Easy Interest Checking account. It has all of the benefits of a free checking account plus the added benefit of bearing interest.

As the name would suggest, Valley Bank of Helena is primarily located in Helena. Visit a branch nearest you to get a checking account and reestablish a positive banking history!

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Valley Credit Union offers a true second chance to those who have had challenges in the past with managing a checking account. Their Opportunity Checking can help you improve your financial standing while providing you with most of the benefits of a traditional checking account.

Opportunity Checking requires an opening deposit of at least $50 and has a monthly service fee of $7.50. If you enroll in direct deposit, that fee will be reduced to just $5 each month. You will also receive a free Visa debit card, free eStatements, unlimited check writing, and access to online banking.

To join Valley CU, you will need to have a connection to one of 10 eligible counties in Montana. You can also join if you have a family member who is already a member. Visit their website or one of their branches in Billings, Bozeman, Columbus, or Roundup to see if you’re eligible!

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Varo Bank is another internet-only bank with services based on their mobile apps for Apple and Android devices. Varo doesn’t charge fees at 55,000+ Allpoint ATMs and offers strong budgeting tools and automatic savings programs.

When you open an account at Varo you can do so with no initial deposit. Plus, there are never any monthly maintenance fees, foreign transaction fees, transfer fees, or debit card replacement fees.

Finally, if Varo receives a payroll notification before your payday, it can deposit your money more quickly than many banks.

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Washington Savings Bank gives you the opportunity to start fresh with their Online Rewards Checking. We understand that you need an account with easy accessibility and plenty of options. Washington Savings Bank provides all the perks you need to rebuild your banking relationship.

With relaxed CheckSystems requirements, you’ll find it is easy to open an Online Rewards account. All you need is a minimum deposit of $10 and an online application. There is no minimum balance requirement, but there is a $14.95 monthly fee. After a year of good standing, you can convert your account to a free checking plan.

With Online Reward Checking, you have access to:

• A free Mastercard EMV debit card
• Free online banking and bill pay
• Free budgeting tools
• Free mobile banking
• Mobile deposit after 3 months of direct deposits
• Free eStatements

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Wells Fargo recently changed the Opportunity Checking account to Clear Access Banking. And we like one change, in particular. Wells Fargo has done away with overdraft and non-sufficient funds (NSF) fees. Clear Access Banking is a debit card-only account (no paper checks available) and if you attempt to purchase something without sufficient funds, the transaction will be denied. That’s a lot better than having the transaction approved and then discovering you’ve been hit with a $35 overdraft fee.

There is a $5 monthly fee, but that is be waived for account holders 24 years old and younger. This account is available to residents in all 50 states.

• The largest number of branches in the U.S.
• Minimum deposit of $25 to open an account
• Online bill pay and smartphone app
• Mobile check deposit
• Includes a Visa debit card
• Send and receive money through Zelle
• Additional features include account alerts, 24/7 fraud monitoring, and zero liability protection for your debit card

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