Open Free Checking Account

Bank for Free

Online banking and online savings accounts offer us a tremendous convenience, many banks offer online banking services free of charge. Checking accounts generally come with some type of fee. OpenFreeCheckingAccount.com is a search engine that is powered by Google. OpenFreeCheckingAccount.com allows you to search the internet to find the best banking offers, free checking account offers, online savings account offers and the banks that are offering those deals.

As we all know, many banks have come under scrutiny for their lending standards, which has resulted in a tightening of the lending process. Banks will still need to generate revenue in order to hit their goals. What this means for you is that your savings and checking accounts will probably end up seeing more fees. Be that as it may, there are still banks that are offering customers an opportunity to open a free checking account. Many banks are even offering money to open a checking account with them. There are several banks offering anywhere from $50 to $150 if you open an account with them.

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You may have heard of a recent project called Move Your Money. This is something that is gaining a lot of momentum in the media and elsewhere. It basically presents the notion of what would happen if everyone pulled their money out of big banks and placed them into small community banks. It is a grass root effort to get the big banks to show the regular people a little respect by hitting them where it hurts...in the wallet.  

There are a lot of advertisements for free checking accounts, but when you read the fine print you'll usually find that they really aren't free. Some of the checking accounts often have conditions such as: minimum deposit balance; some charge a monthly fee; some banks offer free checking if you conduct all of your deposit and withdrawal transactions from the ATM and they charge you a fee if you use the bank lobby; other banks require direct deposit in order to qualify. 

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Many bank savings accounts offer free checking if you open a savings account with them. These savings accounts sometimes require minimums in order to qualify for the free checking account; otherwise, you might find yourself paying banking fees for both your savings and your checking accounts.Free checking account offers vary from bank to bank. In order to get the best deals, you need to really look around.

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Deals with free checking account that some banks are offering:

1. Gas cards  
2. Open new account and get free cash  
3. Free cash with direct deposit  
4. Free checks for life  
5. Free wire transfers  
6. Free ATMs  
7. Free online banking  
8. No fees with regular use of check card  
9. Free check safekeeping  
10. Free online bill pay  
11. Unlimited monthly check writing  
12. Free Debit Card  

What is your bank offering?

Banks don't usually pay interest on money in your checking account, so this could be a down side even if your checking account is free. If this is the case, you are losing potential interest that you could be earning on your money. A fantastic solution to this problem is an online account in a high yield savings account. You can open an online account and link it to your checking account. These online accounts with companies like Capital One, ING, OnBank, CitiBank, Emigrant, UnivestDirect, Wells Fargo, Wachovia, Bank of America, KeyBank, Chase, WaMu, TD Banknorth, E*TRADE and more offer you a chance to earn a higher than normal interest rate. While there have been merger between some of these large banks, service is expected to remain the same or better, which in the long run should be a win-win for the consumers.

By choosing online banking, you can literally have your cake and eat it too. Which bank is best for you? That’s what OpenFreeCheckingAccount.com is here for. Use our search engine help you find the right bank and the best deals for you. Some bank will have minimum deposit requirements in order to qualify for their high yield accounts; while some like Capital One do not.

The number one complaint people have with their banks is fees. Sometimes it feels like you keep your bank account open simply to pay fees. The interest rates that banks pay are ridiculously low, while the interest rates that they charge you on your credit cards and their loans to you are ridiculously high. Even a two year old can do the math on this, and the math show that you end up poorer. Imagine being able to save that extra checking account fee and what you that will mean over the course of a year. What  will that mean over the course of several years? Many people find a bank and they become comfortable with it and even though they pay more than their account generates, they continue to stick with it. You don't have to take it any more...do something about it. Move your money to a bank that not only shows you the respect you deserve, but that shows you how much they value your business.

Another option is considering a community bank or a credit union. The fees charged by these institutions are generally more tame and in some cases nonexistent. They also have been know to pay higher interest rates than some of the big banks. The bottom line is that there are options, just do your research and don't be afraid of changing to a different bank that might be offering a free checking account or simply better service and less fees. You are the boss of your money and you need to keep it that way.