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Finding a Bank·3 min read

Discover Local Banking Options with LowCostChecking.com

By Brian Farrey, Founder & Editor·Last reviewed August 20, 2026

More than 300 financial institutions and 41,000+ branches offer Bank On certified accounts. LowCostChecking.com helps you find the ones near you.

Finding the right financial institution doesn't mean you have to rely on massive, impersonal banks. The Bank On movement is fundamentally a grassroots effort, with locally-led partnerships bridging the gap between consumers and community organizations.

At LowCostChecking.com, our goal is to help you easily locate these community-focused financial institutions. More than 300 financial institutions currently offer Bank On certified accounts. This means there are over 41,000 branch locations in the U.S. where you can open a safe, affordable account. Whether you are looking for a local credit union or a community bank, choosing a certified account guarantees a transaction-based starter account that can help you confidently enter the financial marketplace. By utilizing LowCostChecking.com's platform, you can connect directly to local banking options that prioritize your financial stability.

About the author

Brian Farrey

Founder & Editor

Brian Farrey is a technology executive who has spent his career building data systems for operations-heavy businesses. He built LowCostChecking.com after finding that the CFE Fund's Bank On certified account roster — the best public list of no-overdraft-fee checking accounts in the United States — existed only as static documents, with no way to search it by ZIP code.

More about this project

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