Low-cost checking accounts in District of Columbia

There are 24 Bank On certified checking accounts available to residents of District of Columbia. Of those, 14 carry a $0 monthly maintenance fee and 23 charge no overdraft fees at all. 3 come from local or regional institutions rooted in District of Columbia, while 21 are offered by national banks serving customers across the country.

Certified accounts
24
$0 monthly fee
14
No overdraft fees
23
Local institutions
3

Discover Bank

Cashback Debit Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Bank of America

SafeBalance Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
Yes
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Alliant Credit Union

High-Rate Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
80,000+

Alliant Credit Union

Teen Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
80,000+

Ally Bank

Spending Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
75,000+

Chase

Secure Banking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
14,000+

LendingClub

Level Up Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
-1+

nbkc bank

Everything Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
90,000+

Quorum Federal Credit Union

QFlex Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Capital One

360 Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
70,000+

City National Bank

Safe Check

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

First National Bank

eStyle Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

Industrial Bank

Community Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

DC Federal Credit Union Bank

On Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$5
Overdraft fees
None
Free ATMs
in-network

Amalgamated Bank

Purpose Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$3.00
To open
$25
Overdraft fees
None
Free ATMs
40,000+

TD Bank TD

Essential Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.95
To open
$0
Overdraft fees
None
Free ATMs
TD

M&T Bank

MyWay Banking Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.95
To open
$25
Overdraft fees
None
Free ATMs
2,000+

Citi

Access Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$0
Overdraft fees
None
Free ATMs
65,000+

PNC Bank

Simple Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$0
Overdraft fees
None
Free ATMs
60,000+

BMO

Smart Money Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
40,000+

Wells Fargo

Clear Access Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
10,000+

Truist Confidence

Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

United Bank

Essential Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$7.00
To open
$25
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

nbkc bank

Money Market Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$12.00
To open
$0
Overdraft fees
None
Free ATMs
90,000+

Next steps for District of Columbia residents