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How to open a checking account online with no deposit required
- Review Updated:March 28, 2025
Thinking about opening a checking account online with no deposit? Upgrade's Rewards Checking Plus might be worth a look! It's an online checking account that skips the monthly fees, which is always a plus. But there's a few more worth looking at too.
Top Checking Accounts With No Deposit
Service Everyday Checking Account
Minimum Deposit
$0
Fees
No monthly service fee
Features
Earn up to 0.75% discount on certain loans, depending on tier level and get paid up to 2 days early with direct deposit.
Upgrade Rewards Checking Account
Minimum Deposit
$0
Fees
No monthly service fee
Features
Earn up to 2% cash back on debit card purchases, get paid 2 days early with direct deposit and enjoy competitive savings account interest rates.
Current Banking
Minimum Deposit
$0
Fees
No monthly service fee
Features
Earn cash back on debit card purchases, get paid 2 days early with direct deposit, and earn up to 4.00% APY up to $6,000.
You can definitely open a free online checking account – no opening deposit but be prepared to make a deposit within 30 days or the account may be closed.
It’s fairly simple to open a checking account online nowadays. Not having the initial deposit does not have to prevent you from opening a checking account.
While most banks require a minimum opening deposit that can range up to $100, we have found an online-only bank that does not require an opening deposit.
But first, to open a free online checking account with no deposit you'll need a few things:
- Name
- Home address
- Date of birth
- Citizenship status
- Social security number
- Phone number
- Email address
You should also set aside 10-15 minutes of uninterrupted time because most bank sites will automatically log you off after a few minutes of inactivity.
Best online savings rates
The national savings rate is 0.41% APY. This online bank pays way more.
CIT Bank
Platinum Savings
Upgrade
PREMIER SAVINGS
