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Beyond being an interest-bearing account, it has several features that most consumers seem to enjoy in a checking account. PNC Bank Free Checking – Here’s a truly free checking account. The score has been as high as 690 recently. My first cash back reward amounting to $25 occurred online checking accounts really quickly without needing to spend a fortune.

USAA Bank Free Checking- A newcomer to our list, USAA Bank has been a consumer favourite for as long as I can remember. Isn’t it annoying when you look at the requirements of checking online checking accounts accounts of many traditional/brick and mortar banks. Higher balances can tap into bigger rates.

Only takes $25 to open an account, and there are no minimum balance requirements or monthly fees. While other banks offer base checking for free, USAA offers their full lot of services free of charge.

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