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 their clients with growing wealth.

The best banks in Florida offer free checking along with full-service banking products. Online banking is all the rage these days but there's still value in banking with traditional banks with branch locations. Local banks can provide instant cash deposits, cashier’s checks, notary services, in-person financial advice.

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. But there's more. Manage your account, make transfers, pay bills and deposit checks, view balances, and more — all directly from your smartphone, computer or tablet.

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

  • $25 opening deposit
  • No Monthly Service Fee
  • Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
  • Mobile check deposits
  • Unlimited check writing
  • Send, request and receive money using email or mobile number with Popmoney
  • No ATM fees nationwide at 64,000 BBVA USA and participating non-bank ATMs.
  • Automatic rebate of ATM fee charged by other banks.
  • Deposit cash and checks at Allpoint® Network ATMs.
  • Earn cash back on everyday purchases using your debit card
  • BBVA USA, Member FDIC

2. Bank OZK

For its annual Best Bank rankings, MONEY® reviewed more than 235 financial institutions in search of banks offering the perfect mix of personal and online services. The renowned finance influencer graded each bank 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.

When the results came in, we were clearly the “Best Bank in the South.” Cindy Wolfe, our Chief Banking Officer, credits our strong values. “Integrity and respect are so important to our team,” says Wolfe. “You can see it in the way we treat our customers. Money sees it too.”

Bank OZK Free Checking Features

  • $100 opening deposit
  • No Monthly Service Fee
  • Online Banking and Mobile Banking
  • eStatements
  • Unlimited check writing
  • Online Bill Pay
  • Toll-Free Telephone Banking

3. Fifth Third Bank

Fifth Third Bank and its offerings are limited to customers in Ohio, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Tennessee and West Virginia. If you live in these areas, you can open an account with this bank online.

Fifth Third Free Checking Features

  • No minimum balance required
  • No minimum deposit to open your account
  • Fifth Third Extra Time® gives you more time to make a deposit and avoid overdraft fees (anytime before midnight ET the next business day)
  • Unlimited check writing
  • No Overdraft Protection Relationship Interest Rate on Relationship Savings Fee
  • Toll-Free Telephone Banking

4. Keys Federal Credit Union

Keys Federal Credit Union A Keys Totally FREE CASH BACK Checking account is your best choice for free and convenient banking. You can start earning CASH BACK Rewards immediately when you take your Keys Debit MasterCard home from account opening. Plus, you’ll save even more time and money with free and convenient services like mobile banking, notary service, and electronic funds transfers to people and other banks, included with your account!

Keys Totally FREE CASH BACK Checking Features

  • No minimum balance requirements
  • No monthly maintenance fees
  • CASH BACK Rewards and FREE Nationwide ATMs (see table below)
  • Unlimited, surcharge free access at all Keys FCU ATMs and more than 1,000 Presto! ATMs at all Publix Super Markets
  • Real-time transactions (no 2 p.m. cut-off)

5. First Horizon Bank

First Horizon Bank A Keys Totally FREE CASH BACK Checking account is your best choice for free and convenient banking. You can start earning CASH BACK Rewards immediately when you take your Keys Debit MasterCard home from account opening. Plus, you’ll save even more time and money with free and convenient services like mobile banking, notary service, and electronic funds transfers to people and other banks, included with your account!

Firstview Checking Features

  • No minimum balance requirements
  • No monthly maintenance fees
  • CASH BACK Rewards and FREE Nationwide ATMs (see table below)
  • Unlimited, surcharge free access at all Keys FCU ATMs and more than 1,000 Presto! ATMs at all Publix Super Markets
  • Real-time transactions (no 2 p.m. cut-off)

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