Search / Checking accounts by state / Florida Low-cost checking accounts in Florida There are 57 Bank On certified checking accounts available to residents of Florida. Of those, 32 carry a $0 monthly maintenance fee and 54 charge no overdraft fees at all. 27 come from local or regional institutions rooted in Florida, while 30 are offered by national banks serving customers across the country.
Certified accounts 57
$0 monthly fee 32
No overdraft fees 54
Local institutions 27 BayFirst National Bank
Essential Checking 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
Bank of America
SafeBalance Banking 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. Ameris Bank
Opportunity Checking 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
Centennial Bank
Simply 100 Checking Account 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
Chase
Secure Banking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 14,000+ First Horizon Bank
Access Checking Account 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
LendingClub
Level Up Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs -1+ nbkc bank
Everything Account 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 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. ServisFirst Bank
Simple Access Account 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. Trustmark Advantage
Checking 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
Woodforest National Bank
WBank Account 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
Capital One
360 Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 70,000+ First-Citizens Bank and Trust
Sure Advantage 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
Bank OZK
Freedom Advantage Checking 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
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. City National Bank
Safe Check 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
MidWestOne Bank
Freedom Checking 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. 3Hill Credit Union
Simple Checking 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
BankUnited National Association
BankUnited Essentials Checking 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
Discover Bank
Cashback Debit Checking Account 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. BayFirst National Bank
Teen Checking 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
ConnectOne Bank Totally
Free Checking 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. Floridacentral Credit Union
Compass Checking 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
Grow Financial Credit Union Checkless
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 70,000+ Prime Meridian Bank Prime
BankOn Account 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
Republic Bank
Simple Access Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs None Sunstate Bank
Basic Checking 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
Alliant Credit Union
High-Rate Checking 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 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 Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 75,000+ Wintrust Community Banks Money
Smart Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $10
Overdraft fees None
Free ATMs 6+ Popular Bank Popular
Easy Access Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs 55,000+ Valley National Bank
Valley Journey Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs 230+ Santander Bank Santander
Essential Checking Online bill pay Mobile check deposit Debit card
Monthly fee $4.00
To open $10
Overdraft fees None
Free ATMs Santander TD Bank TD
Essential Banking Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $0
Overdraft fees None
Free ATMs TD Capital City Bank
Empower Checking Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $10
Overdraft fees None
Free ATMs Capital City Bank ATMs Fifth Third Bank
Express Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs nationwide network of fee-free ATMs Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 60,000+ Dade County Federal Credit Union
Simple Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Stearns Bank, N.A.
BankONStearns Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Alive Credit Union
Fresh Start Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees Yes
Free ATMs surcharge-free ATMs Self-Help Credit Union
Personal Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs Self-Help CU Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 65,000+ BrightStar Credit Union
Fresh Start Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $1
Overdraft fees None
Free ATMs 4+ Flagstar Bank
Flagstar One Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $1
Overdraft fees None
Free ATMs 56,000+ Regions Bank
Regions Now Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $10
Overdraft fees None
Free ATMs 2+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 40,000+ Seacoast National Bank
On Opportunity Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 55,000+ Cadence Bank
BudgetSmart Checking 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. 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. FAIRWINDS Credit Union
Freedom Builder Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 35,000+ Wells Fargo
Clear Access Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 10,000+ Synovus Bank Budget
Checking Online bill pay Mobile check deposit Debit card
Monthly fee $10.00
To open $100
Overdraft fees None
Free ATMs Synovus and Publix Presto! nbkc bank
Money Market Account Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $0
Overdraft fees None
Free ATMs 90,000+ Busey Bank
Bridge Checking Online bill pay Mobile check deposit Debit card
Monthly fee $15.00
To open $100
Overdraft fees Yes
Free ATMs 40,000+ Trustco Bank Home Town
BankOn Account Online bill pay Mobile check deposit Debit card
Monthly fee $25.00
To open $50
Overdraft fees None
Free ATMs 55,000+ Next steps for Florida residents