1. Bank Accounts With No Opening Deposit

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Bank Accounts With No Opening Deposit

You must first open a share savings account with a minimum deposit of $5 before you can open a checking account. There are no minimum balance or monthly service charges. They offer free mobile banking, free online bill pay, and access to 55,000+ Allpoint ATMs Nationwide. Account holders can also get paid up to 3 days early with direct deposit. A checking account is a deposit account with your bank whereby you can access funds easily and at any time without limitations. You can call it an emergency account if you want. If you made a mistake and closed your bank account with some uncleared fees or overdrafts, you can apply for a second chance checking with no opening deposit. Ally Bank offers a checking account that doesn’t have a monthly maintenance fee or a minimum opening deposit. It also offers a little interest, 0.1 percent APY on balances less than $15,000.