5 Best Banks in Florida That Offer Free Checking

Besides being home to the sunniest days in the U.S., Florida is home to many financial institutions proactive in assisting customers with growing wealth.

The best banks in Florida offer free checking along with full-service banking products. Online banking is all the rage but there remains value in banking at traditional banks with branch locations. Local banks can provide instant cash deposits, cashier’s checks, notary services, same-day wire transfers, in-person financial advice and more.

Sometimes the best banks are the smaller banks in Florida that offer free checking. With the many banks in Florida, it can be difficult to choose the best option. That's why we've pinpointed the top banks in Florida and picked out options that benefit customers.

Free checking is the top benefit that can save bank customers up to $144 per year. Another benefit is cash-back rewards where money in deposited directly into customer accounts for using their debit cards.

5 Best Banks in Florida That Offer Free Checking

1. BBVA Bank

Known for its award-winning app, BBVA offers a totally free checking account. That means there's no minimum balance or direct deposit requirements for the BBVA Free Checking Account. No ATM fees nationwide at more than 64,000 AllPoint®, participating 7-Eleven® and BBVA USA ATMs.

But there's more. Manage your account, make transfers, pay bills and deposit checks, view balances — all directly from your smartphone, computer, or tablet. Earn cash back for qualifying purchases at your favorite shops and restaurants. BBVA Bank has 45 locations throughout Florida if you prefer in-person banking.

Customers get FREE access to over 64,000 Allpoint ATMs nationwide where cash and checks can be deposited. Use your Visa debit card for everyday purchases to earn cashback. BBVA Bank even offers a second chance account for people with ChexSystems records or bad credit.

BBVA Free Checking Features

  • Opening Deposit – A minimum $25 opening deposit is required.
  • No monthly Service Charge – There are no monthly service charges.
  • Online banking – Complimentary online banking, free bill pay, mobile check deposits, and online statements.
  • ATM Fees – No ATM fees nationwide at 64,000 BBVA USA and participating non-bank ATMs. Deposit cash and checks at Allpoint® Network ATMs.
  • Cashback – Earn cash back on everyday purchases using your debit card.
  • FDIC-insured – BBVA USA, Member FDIC.
  • Branches – 45 branches in Florida.

Earn more for your money - 1.61% APY High Yield Savings

2. Bank OZK


Bank OZK was named “Best Bank in the South” by MONEY®. The bank was graded on competitive checking and savings account options and ATM fees, and above-average customer service according to a J.D. Power’s 2019 Customer Satisfaction study.

Bank OZK Free Checking Features

  • Opening deposit – $100 opening deposit.
  • Monthly fees – No Monthly Service Fee.
  • Free online banking – Online banking, online bill pay and mobile banking.
  • Custom debit card – Design your custom debit card.
  • Customer service – Toll-free Telephone banking.
  • Mobile wallets – Pay with your Bank OZK Visa debit card at participating merchants in-store and in-app directly from your smartphone.
  • Branches – 43 branches in Florida.

3. Fifth Third Bank


Fifth Third Bank offers a free checking account called the Fifth Third Free Checking plus Extra Time®. Customers get all the benefits of a checking account with no monthly service charge. Plus, get additional time to make a deposit and avoid overdraft fees.

Fifth Third Free Checking Features

  • Minimum balance – No minimum balance required.
  • Opening deposit – No minimum deposit to open your account.
  • Overdraft protection – Fifth Third Extra Time® gives you more time to make a deposit and avoid overdraft fees (anytime before midnight ET the next business day).
  • Check writing – Unlimited check writing.
  • Savings rate – Relationship Interest Rate on Relationship Savings.
  • Fees – No Overdraft Protection Transfer Fee.
  • Branches – 166 branches in Florida.

4. Keys Federal Credit Union


Keys Federal Credit Union offers the Keys Totally Free Cash Back Checking Account. Start earning cash-back rewards immediately when you take your Keys Debit MasterCard home from account opening. Keys Federal Credit Union is headquartered in Key West and is the 52nd largest credit union in Florida.

Keys Totally Free Cash Back Checking Features

  • Zero balances – No minimum balance requirements.
  • Fees – No monthly maintenance fees.
  • Rewards – Cash back Rewards and FREE Nationwide ATMs (see table below).
  • Free ATMs – Unlimited, surcharge free access at all Keys FCU ATMs and more than 1,000 Presto! ATMs at all Publix Super Markets.
  • No cut-off time – Real-time transactions (no 2 p.m. cut-off).
  • Branches – 4 branches in Florida.

5. First Horizon Bank


First Horizon Bank offers the FirstView Checking Account with no monthly service charge. Free digital and mobile banking keep you connected to your account at all times. Start saving with a Traditional Savings account at no extra cost.

Firstview Checking Features

  • Fees – There’s no monthly service.
  • Free ATMs – Get your cash for free at more than 43,000 ATMs in the Allpoint Network.
  • Opening deposit – Minimum deposit needed to open account $50.
  • Savings account – FirstView Checking comes with an optional, no-service charge traditional savings account for primary and joint account holders.
  • Branches – 22 branches in Florida.

Final thoughts on banks in Florida

There are many banks in Florida offering free checking but, many have conditions like a direct deposit or a minimum balance rquirement. We looked for banks that offered totally free checking and narrowed it down to these five banks in Florida.

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