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Top Nationwide Checking Accounts Powered by Axos Bank

Nationwide is best known as an insurance company but also offers checking accounts through Axos Bank.

Founded in 1925, Nationwide boasts a rich history in United States. The company is best known as Nationwide Mutual Insurance Company, but offers banking services through a partnership with Axos Bank.

Consumers can choose from a variety of checking accounts as well as mortgage and personal loans. Here is a look at Nationwide's top checking accounts.

Pros and Cons of Nationwide Checking Accounts

Pros

Cons

Advantage Checking

Best for best for earning interest

Interest: Up to 0.90% APY.

Minimum opening deposit: $100 deposit to open your account.

Monthly service fee: No monthly maintenance fees.

Overdraft fee: No overdraft or non-sufficient funds fees.

FDIC-insured: Member FDIC.

My Checking

Best for unlimited ATM reimbursements

Minimum opening deposit: $100 deposit to open your account.

Monthly service fee: $0.

Overdraft fees: No overdraft fees.

Get paid up to two days early: Sign up for direct deposit to get your paycheck early.

FDIC-insured: Member FDIC.

My First Checking

Best for best for teens ages 13-17

Minimum opening deposit: $50 minimum opening deposit.

Monthly service fee: $0.

ATM reimbursement: Up to $12 domestic ATM fee reimbursements per month.

Perks: Earn 0.10% APY.

FDIC-insured: Member FDIC.

Direct Checking

Best for best for no-fuss checking

Minimum opening deposit: $50 minimum opening deposit.

Monthly service fee: $5 monthly maintenance fee waived with direct deposit.

ATM reimbursement: Up to six (6) domestic ATM fees reimbursed per month.

Get paid up to two days early: Sign up for direct deposit to get your paycheck early.

FDIC-insured: Member FDIC.

Mobile® App Rated 4.8/5 Stars

There is good reason the Nationwide Mobile App is highly rated by consumers, with a 4.8/5 ranking on the Apple App store. 

The app offers several convenient features including mobile check deposit, transfer funds to third-parties and tools to manage your funds on the go.

Does Nationwide Charge Overdraft Fees?

If you're concerned about over-drafting your account, Nationwide offers an optional Overdraft Line of
Credit Program that will transfer funds to cover the item. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account.

Otherwise, without notice to you, Nationwide will either authorize or pay the insufficient item and
overdraft your account or decline or return the insufficient item without payment (a returned item).

If Nationwide authorizes or pays an item, you must pay back any overdraft immediately.

Best online savings rates

The national savings rate is 0.46% APY. This online bank pays way more.

CIT Bank

Platinum Savings
5.05% APY
/Month
Minimum $5,000 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured

CIT Bank

Savings Connect
4.65% APY
/Month
Minimum $100 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured

CIT Bank

6-Month CD
5.00% APY
/Month
Minimum $1,000 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured
Disclaimer: Our goal is to provide the most relevant and current information. However, the information is for informational purposes only and is not intended to be personal financial advice.

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