Low-cost checking accounts in Alaska

Alaska has one of the smallest sets of certified accounts in the country — 12 of them, against a national median of around 32, which places it #50 of the 51 states and territories we track. Only 1 of those come from an institution rooted in Alaska; the other 11 are national banks whose accounts appear on every state list. At 8% local against a 36% median, Alaska leans unusually hard on national providers.

9 of the 12 carry a $0 monthly maintenance fee; the 3 that do charge run from $5 to $12 a month. 8 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $100. None of the 12 operate an overdraft program at all.

One Alaska institution supplies the state-based listings on this page: Northrim Bank.

Certified accounts
12
$0 monthly fee
9
No overdraft program
12
Local institutions
1

Discover Bank

Cashback Debit Checking Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

nbkc bank

Everything Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
90,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

LendingClub

Level Up Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Unlimited ATM fee rebates

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Ally Bank

Spending Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
75,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Alliant Credit Union

High-Rate Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
80,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Alliant Credit Union

Teen Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
80,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Quorum Federal Credit Union

QFlex Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

KeyBank Hassle-Free

Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$10 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
KeyBank

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Northrim Bank

Easy Banking Account

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$100 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
MoneyPass

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

BMO

Smart Money Checking

NationalBank On Certified

Costs you per year

$60.00

$5.00 a month, every month.

Monthly fee × 12
$5.00 × 12 = $60.00
To open
$25 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
40,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Wells Fargo

Clear Access Banking

NationalBank On Certified

Costs you per year

$60.00

$5.00 a month, every month.

Monthly fee × 12
$5.00 × 12 = $60.00
To open
$25 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
10,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

nbkc bank

Money Market Account

NationalBank On Certified

Costs you per year

$144.00

$12.00 a month, every month.

Monthly fee × 12
$12.00 × 12 = $144.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
90,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Next steps for Alaska residents