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During times of financial hardship, it’s easy to damage your banking reputation. Overdraft fees, bounced checks, or involuntary account closures end up in your ChexSystems report, which can prevent you from getting traditional checking accounts.
If you’ve made mistakes like these in the past, here’s a list of the best free checking accounts you can qualify for despite an imperfect banking history.
The 8 Best Free Online Checking Accounts With No Opening Deposit or Credit Check in 2022
The Best Free Online Checking Accounts Compared
| Account | Credit or ChexSystems Check | Minimum Deposit | Monthly Fees | Interest on Deposits |
| Chime Checking | No | $0 | $0 | 1% APY (via linked savings account) |
| Current Individual | No | $0 | $0 | 4% APY |
| Dave Spending | No | $0 | $0 | None |
| Dora Everyday Checking | No | $0 | $0 | None |
| GO2Bank Mob |