Low-cost checking accounts in Indiana

There are 43 Bank On certified checking accounts available to residents of Indiana. Of those, 25 carry a $0 monthly maintenance fee and 39 charge no overdraft fees at all. 20 come from local or regional institutions rooted in Indiana, while 23 are offered by national banks serving customers across the country.

Certified accounts
43
$0 monthly fee
25
No overdraft fees
39
Local institutions
20

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+

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+

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.

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.

Woodforest National Bank

WBank 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

BCU

Go 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.

Republic Bank

Simple Access

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

First Farmers Bank & Trust

Foundation 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

First Financial Bank NoWorry

Rebuild

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
55,000+

Peoples Bank Step Forward

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

Civista Bank

Access 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

Farmers & Merchants State Bank

Clean Start 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

First Savings Bank

Reset 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

Lake City Bank

Getting Ahead 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

Stock Yards Bank & Trust Bank On SYB

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

The Hometown Savings Bank

THSB On Track 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

The National Bank of Indianapolis

Pathway 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

Wintrust Community Banks Money

Smart Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$10
Overdraft fees
None
Free ATMs
6+

KeyBank Hassle-Free

Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$10
Overdraft fees
None
Free ATMs
KeyBank

First Harrison Bank

Easy Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$25
Overdraft fees
None
Free ATMs
N/A

Farmers and Mechanics Federal Savings Bank

BASIC Personal Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$1.00
To open
$10
Overdraft fees
Yes
Free ATMs
2+

First Merchants Bank

Simple Access

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.00
To open
$0
Overdraft fees
None
Free ATMs
40,000+

Centier Bank

Smart Choice Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.00
To open
$25
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

U.S. Bank

Safe Debit Account

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

First Bank

Richmond Easy Fit Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.95
To open
$25
Overdraft fees
None
Free ATMs
55,000+

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+

Fifth Third Bank

Express Account

Bank On Certified
  • 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

Flagstar Bank

Flagstar One Account

Bank On Certified
  • 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

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$10
Overdraft fees
None
Free ATMs
2+

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+

Lake City Bank

Essential Checking

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.

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+

Horizon Bank

Fresh Start

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

First Mid Bank & Trust Blue Sky

Account

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

Old National Bank

EZ Access Checking Account

Bank On Certified
  • 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

Bank On Certified
  • 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

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+

Busey Bank

Bridge Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$15.00
To open
$100
Overdraft fees
Yes
Free ATMs
40,000+

Next steps for Indiana residents