Having a checking account service at disposal is a blessing in need for its liquidity and unlimited withdrawals and deposit features. Checking accounts service are quite popular for commercial, student, and business purposes; one can avail this service at free of cost or at bare minimal amount. You do not feel the pressure of cash crunch with a checking account and some of them also offer reward points and a fair interest rate. You can open a checking account in a bank branch or through a financial institution site. Withdrawing from a checking account is through checks and ATM’s and for any purchase; you can use the debit or credit card.

The checking account service lets you directly transfer through electronic fund transfer. Also try to maintain a certain balance to avoid any fees in case of interest bearing checking account. You can easily earn an interest rate of minimum of 2.02% on your checking account. Yet, in the case of basic banking services, a checking account without any interest is a good go for you miss out paying any fees. Also, your credit scores does not have any impact in case of just basic deposits, withdrawals, or even closing dormant checking accounts. Do ensure to take all necessary steps to stay compliant while applying for checking account overdraft protection. Now that you wish to access checking account services, ensure that you have no history of bounced checks, late fees payment, mismanaged account and unresolved closed accounts. It’s very essential that you choose your bank or the financial institution judiciously that offers the best and true checking account service and listed below are some of the best.

• Charles Schwab Bank
  The checking account service offered by this investment company if by far the best for its low fees, no minimum balance and access to ATM all over the world at free of cost. You have access to almost all the latest online services such as bill pay, transfer, debit card, and many more, except that you can’t deposit cash. In case of international travel, the checking account service offered by this company in terms of accessing ATM is a jackpot as there are no fees associated.
• Ally Bank
  Best for its online services, you can also access the account on almost everyday basis without any fees.
• Capital One 360
  You have access to the best checking account features and the account itself with minimum or no balance. Also, you get access to the best online features
• Discover Bank
  This online checking account is one of the best in the industry with cash back earning of $360 on a yearly basis. Almost all transactions, transfer, deposits, and bill payments are free of charge
• USAA Federal Savings Bank
  This account is ideally designed for military members, veterans and their respective families. Also, you get access to cashback rewards checking, overdraft protection service and early access to pay checks.
• SIMPLE
  Regardless of your balance amount, you do not need any minimum deposit amount and no monthly maintenance fees are charged.
• CHIME
  Offers low cost online checking account service with access to early direct deposit service with no fees chargeable
• Axos Bank
  This is one of the best rewards checking accounts that offer several free banking options with access to first 50 checks free with a Rewards checking account.