Search / Checking accounts by state / Illinois Low-cost checking accounts in Illinois There are 63 Bank On certified checking accounts available to residents of Illinois. Of those, 41 carry a $0 monthly maintenance fee and 55 charge no overdraft fees at all. 33 come from local or regional institutions rooted in Illinois, while 30 are offered by national banks serving customers across the country.
Certified accounts 63
$0 monthly fee 41
No overdraft fees 55
Local institutions 33 Verve, a Credit Union
Verve Essential Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Verve network of free ATMs nationwide 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+ 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+ 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. 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+ 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. Simmons Bank Affordable Advantage
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. Hanmi Bank
Choice 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
First National Bank of Omaha
Access Debit Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified First National Bank of Omaha
Free Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 55,000+ American Bank & Trust Company
Edge 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. Byline 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
Catholic and Community Credit Union
Great Start 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. Carrollton Bank
Basic Banking 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. CIBC Bank USA
EasyPath 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. Earthmover Credit Union Pace
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs 8+ First Farmers Bank & Trust
Foundation 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
First Independence Bank
First Choice 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. First Financial Bank NoWorry
Rebuild Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 55,000+ First Savings Bank
of Hegewisch Community First 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
Kane County Teachers (KCT) Credit Union Worry
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. Old Second National Bank Renew
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
Peoples Bank Step Forward
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
Reading Cooperative Honest
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. Streator Onized Credit Union
Fresh Start Checking 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. Sterling Federal Bank
BankOn 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. 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. 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. 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+ 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+ Great Lakes Credit Union
Fresh Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
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 Free
To open $25
Overdraft fees None
Free ATMs MoneyPass Network First Bank
Chicago All Star e-Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $25
Overdraft fees None
Free ATMs 20,000+ SIU Credit Union
Rebound Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $25
Overdraft fees Yes
Free ATMs 80,000+ Republic Bank of Chicago Elements
Basic Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $25
Overdraft fees None
Free ATMs 55,000+ Morton Community Bank
Smart Start Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $25
Overdraft fees None
Free ATMs 37,000+ Quad City Bank and Trust QCBT
BankOn Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $50
Overdraft fees None
Free ATMs Money Pass Network Cathay Bank
Everyday Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs PULSE Select® / Money Pass® First Merchants Bank
Simple Access Online bill pay Mobile check deposit Debit card
Monthly fee $4.00
To open $0
Overdraft fees None
Free ATMs 40,000+ U.S. Bank
Safe Debit Account Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $25
Overdraft fees None
Free ATMs USA network North Shore Bank
Balance Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 33,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 65,000+ 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+ Self-Help Federal Credit Union
Access Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs surcharge-free ATMs nationwide 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+ 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+ CBI Bank & Trust Bank
On Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs CBI Bank & Trust locations Armed Forces Bank
Safe Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs MoneyPass Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 40,000+ First Mid Bank & Trust Blue Sky
Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs First Mid ATMs First Bank
Imagine Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees Yes
Free ATMs 55,000+ First Eagle Bank
Eagle Fresh Start Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs MoneyPass Old National Bank
EZ Access Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $6.95
To open $50
Overdraft fees Yes
Free ATMs 55,000+ Providence Bank & Trust Neighborhood
Connect Account Online bill pay Mobile check deposit Debit card
Monthly fee $7.95
To open $25
Overdraft fees None
Free ATMs 55,000+ 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+ Dime Community Bank
Basic Checking Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $100
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. 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+ UMB Bank
Check-Free Banking Online bill pay Mobile check deposit Debit card
Monthly fee $20.00
To open $1000
Overdraft fees Yes
Free ATMs UMB Next steps for Illinois residents