Low cost and no cost checking from local and national banks.
Hidden maintenance fees, out-of-network penalties, and strict deposit minimums cost the average American over $150 a year. LowCostChecking analyzes the fine print of hundreds of banks to find the true, absolute lowest-cost checking account for your specific balance and spending habits.
Free · No account required · Powered by the CFE Fund Bank On roster
No overdraft fees
Every certified account is structured so you can't be charged for spending more than your balance.
Low or no monthly fee
Maintenance fees capped at $5/month or less — many are free, with no minimum balance traps.
Real digital access
Online bill pay, mobile check deposit, and a debit or prepaid card — standard, not extras.
What is Bank On?
Bank On is a national movement led by the nonprofit Cities for Financial Empowerment Fund (CFE Fund) that connects people with safe, affordable bank and credit union accounts. Certified accounts follow strict national standards: no surprise overdraft fees, low opening deposits, and full digital access — so you stay in control of your money.
Research shows the biggest barrier to banking is fear of unexpected fees. Bank On certified accounts are designed specifically to remove that worry.
Learn more about what unbanked consumers wantOne standard. Many banks. Zero hidden fees.
The Bank On National Account Standards were set by the Cities for Financial Empowerment Fund so that anyone — regardless of income or banking history — can open a safe, affordable account. We surface only the accounts that meet that bar.