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5 Best Banks in Florida That Offer Free Checking

The best banks and credit unions in Florida offer free checking with no strings attached along with full banking products.

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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. 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 most benefit customers.

Here are several favorites.

9 Best Banks in Florida

Features of our picks

1. GTE Financial Credit Union – 200 Welcome Bonus

Go Further Checking is designed to offer a hassle-free checking account with easy access to your money! Waive the $5.05 monthly fee by enrolling in eStatements AND making $500 in aggregate deposits per month OR making a combination of 15 monthly debit and/or credit card transactions.*

You must use Referral Code E599076ICB to open the new account plus bonus code “JOIN200” in order to get the $200 welcome bonus.

Full Access Checking Account Features

  • Access to 30,000 free ATMs.
  • 24/7 Virtual Banking (Online, Mobile or Telephone).
  • Get paid up to 2 days early with early direct deposit for a $3 fee.
  • Bill Pay, Zelle, and Friends & Family Transfers.
  • Unlimited check writing.
  • Account Balance Alerts.
  • Free Bill Pay
  • Remote Deposit – with the GTE Mobile App and Deposit2Go.
  • Note: To get the $200 Bonus you must use referral code E599076ICB during the application process and bonus code JOIN200. You'll get an opportunity to insert the referral code during the application process once you get to “Lastly, here's an awesome member benefit.”
Learn More

2.First National Bank

First National Bank offers a wide variety of products, from checking and savings accounts to personal and auto loans, mortgages, investing, retirement, and business solutions. FNB has accounts for all user needs but we are featuring the free checking product.

Freestyle Checking Features

  • Fees – No minimum balance requirement.
  • Debit card – Free Visa debit card with free Apple Pay, Samsung Pay, or Google Pay™.
  • ATM Network – Surcharge-free cash access at more than 550 First National Bank ATMs.
  • Check writing – Unlimited check writing.
  • Digital banking – Fast and free Online Banking, Mobile Banking, and Telephone Banking1.
  • Free deposits – Convenient and free deposits at First National Bank branches, ATMS, or through Mobile Banking.
  • FDIC-Insured – Up to $250,000 per depositor.
Learn More

3. First Citizens Bank

First First Citizens Bank offers a Free Checking Account with no monthly service charge when you enroll in paperless statements. Free digital and mobile banking keep you connected to your account at all times.

Free Checking Features

  • Fees – There’s no monthly service when you enroll in paperless statements.
  • No Minimum Balance – Never worry about maintaining a balance.
  • Opening deposit – Minimum opening deposit of $50.
  • 24/7 Banking – Enjoy free Digital Banking bill pay and 24/7 mobile deposits.
  • Branches – 26 branches in Florida.

4. Fifth Third Bank

Fifth Third Bank offers a free checking account called Momentum Checking. 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 is required.
  • Opening deposit – No minimum deposit to open your account.
  • Get paid early – Early direct deposit lets you get paid up to 2 days early.
  • 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.

5. 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.

Local banks can provide instant cash deposits, cashier’s checks, notary services, same-day wire transfers, in-person financial advice, and more.
But included a few online banks that are available to people in Florida because they offer savings account rates that pay 3.00% APY and higher.

How did we choose the best banks in Florida?

We looked at the banks and credit unions with free checking as the top benefit that can save bank customers up to $144 per year. Another benefit we reviewed is cash-back rewards where money is deposited directly into customer accounts for using their debit cards.

None of the biggest banks in Florida paid high rates on savings accounts, so we chose an online bank, SoFi Bank, as our top choice for a checking/savings combo account.

For the best credit union, we chose one that offers a welcome bonus and is easy for Florida residents to join.

10 Banks in Florida with the most of branches

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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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Best online savings rates

The national savings rate is 0.47% APY. This online bank pays way more.

CIT Bank

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


5.21% APY
Minimum $1,000 balance
No maintenance fees
Mobile & Online Banking
Deposits are FDIC insured

Quontic Bank

4.50% APY
Minimum $100 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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