Where can consumers find free checking accounts?

Credit Unions almost always offer free checking accounts, plus many other perks such as much lower interest rates, dividends, and free ATM cards. And contrary to what banks want you to believe, not all credit unions are exclusive. Many are open to the general public.

If you go to the website of the National Credit Union Administration, ncua.gov, mouse over the "Credit Union Data" tab and a drop-down menu appears. Click on "Find a Credit Union" and it will take you to a page that will help you locate a local credit union based on multiple search parameters. The site is helpful for many other kinds of information on credit unions, including which ones are the best to be a member of.

I've also included the web address for a credit union local to me, amocofcu.org, as an example.

Just about every bank wants to hold your money. I have not heard of any bank that does not offer a free checking account. The important issue with "free checking account" is "free", and what the terms or fine print of "free" mean.

I have had a free checking account for quite some time although if I go over specific limits in spending or deposits I have to pay a fee. In addition I am only allowed to write a few checks a month without a fee. So when deciding which bank you want to start an account with make sure you access your needs.1.

How much money are you allowed to deposit 2. How much are you allowed to spend 3. What fees will I be charged for debit and ATM fees etc.Another consideration is to see what banks offer incentives to opening a free checking account.

Banks are trying to lure more customers in by giving away cash even with a small deposit of $25. Be careful still and check the fine print. This incentive may not be the best for your situation and you will be taxed on the money.

Select your bank as you would a babysitter for your child and ask around about others experiences good or bad to help in making an educated decision.

Wachovia offers free checking accounts. If you are a college student chase and many other banks offer a student checking account that is free for a number of years.

In my opinion, the best free source for both checking and savings is ING Direct (and yes, you can get actual checks; you fill them out online, but actual checks, in addition to a debit card). Plus, you get interest on your checking account, 1% cash back on most purchases (atm; they run different specials at different times), no overdraft fees, free atm, free bill pay, FDIC insured (of course; they are a real bank), and their own sort of version of paypal. Plus, depending what specials and promo codes you have at a given time, they'll literally give you money; I opened my savings account first, and they gave me $25 for doing so after I deposited money from my own account (and on neither checking nor savings is there a minimum amount required at any given time).

As for checking? As long as I use my debit card 3 times in the first 45 days for 3 pinless transactions (or 3 of their people2people (aka their PayPal) transactions, or a combo of the two that adds up to 3) they'll put $50 in my checking account as well, too. If anyone wants, they're running a referral sort of special now; if I send a referral link to someone via email and they make an initial deposit into either kind of account of at least $250, ING gives them another $25 in that account.(I don't get $25; I do get $10, full disclosure.) But I mention it as a) for the savings deal of $25, it's only one in a house, and b) I don't know if that deal's going on still, and I received the code in the mail.

If you want an invite by email, poke me, and I'll send one; I'm happy to help out, if help it does. But no matter what ING? Best offer about.

I'm a total convert.

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