By  Wed Feb 19, 2014

Free Checking Accounts at the Top 10 U.S. Cities 2014

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 vauvau / Flickr | http://www.flickr.com/photos/vauvau/11819045224/

1. New York, New York - Population: 8.18 million

 

1. Apple Bank for Savings (Branches in the area: 19): ExtraValue Checking

  • Just $100 to open
  • Free first order of personalized wallet-style checks

2. M&T Bank (Branches in the area: 8): Free Checking

  • $25 minimum opening deposit
  • Get a custom-design M&T debit card

3. Amalgamated Bank (Branches in the area: 7): Standard Checking

  • Just $100 to open
  • Surcharge-free access to the Allpoint ATM network
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 Neon Tommy / Flickr | http://www.flickr.com/photos/neontommy/9890396483/

2. Los Angeles, California - Population: 3.79 million

 

1. Hanmi Bank (Branches in the area: 9): Bonus Checking

  • $500 minimum to open
  • Earns interest when requirements are met

2. Popular Community Bank (Branches in the area: 2): Totally FREE Checking

  • $50 to open
  • Surcharge-free access to the Allpoint ATM network

3. Broadway Federal Bank (Branches in the area: 3): Free Checking

  • $50 to open
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 Rick Harris / Flickr | http://www.flickr.com/photos/rickharris/9034443100/

3. Chicago, Illinois - Population: 2.7 million

 

1. North Community Bank (Branches in the area: 52): Free Checking

  • $100 minimum to open
  • 3 free ATM transactions per month at non-bank affiliated ATMs

2. TCF Bank (Branches in the area: 42): TCF Free Checking

  • $25 to open
  • Free coin counting

3. Popular Community Bank (Branches in the area: 7): Totally FREE Checking

  • $50 to open
  • Surcharge-free access to the Allpoint ATM network
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 cemaxx / Flickr | http://www.flickr.com/photos/86729451@N08/12367139184/

4. Houston, Texas - Population: 2.1 million

 

1. BBVA Compass Bank (Branches in the area: 34): ClearConnect Checking

  • $25 minimum to open
  • Excess withdrawal and excess branch deposits fee apply after a certain number per month

2. Cadence Bank (Branches in the area: 11): Free Checking

  • $50 to open
  • Real-time online card monitoring system and discounts on gift cards

3. Bank of Texas (Branches in the area: 10): Free Checking

  • $50 to open
  • Free access to any ATM nationwide
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 Ryan Schreiber / Flickr | http://www.flickr.com/photos/ryanschreiber/5162891089/

5. Philadelphia, Pennsylvania - Population: 1.53 million

 

1. Beneficial Bank (Branches in the area: 14): Free Checking

  • $0 to open
  • BankThanks merchant-funded rewards program and FinanceWorks money management tool

2. M&T Bank (Branches in the area: 7): Free Checking

  • $25 minimum opening deposit
  • Get a custom-design M&T debit card

3. Republic Bank (Branches in the area: 7): Absolutely Free Checking

  • $0 to open
  • Free first order of Republic Bank standard checks
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 Dru Bloomfield / Flickr | http://www.flickr.com/photos/ryanschreiber/5162891089/

6. Phoenix, Arizona - Population: 1.45 million

 

1. BBVA Compass Bank (Branches in the area: 14): ClearConnect Checking

  • $25 minimum to open
  • Excess withdrawal and excess branch deposits fee apply after a certain number per month

2. Bank of Arizona (Branches in the area: 3): Free Checking

  • $50 to open
  • Free access to any ATM nationwide

3. New York Community Bank (Branches in the area: 6): My Community Free Checking

  • $1 to open
  • Earn cash back on qualifying Visa check card purchases
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 Kyle Monahan / Flickr | http://www.flickr.com/photos/kylemonahan/5956317834/

7. San Antonio, Texas - Population: 1.33 million

 

1. BBVA Compass Bank (Branches in the area: 23): ClearConnect Checking

  • $25 minimum to open
  • Excess withdrawal and excess branch deposits fee apply after a certain number per month

2. IBC Bank (Branches in the area: 11): Free Checking

  • $50 to open
  • Free introductory order of 50 checks

3. Farm Bureau Bank (Branches in the area: 1): Performance Checking

  • $100 minimum initial deposit
  • Earn interest depending on your account balance
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 Ernie Tyler / Flickr | http://www.flickr.com/photos/ernietbiker/8023005452/

8. San Diego, California - Population: 1.31 million

 

1. AmericanWest Bank (Branches in the area: 4): Free Checking

  • $25 minimum to open

2. BBVA Compass Bank (Branches in the area: 2): ClearConnect Checking

  • $25 minimum to open
  • Excess withdrawal and excess branch deposits fee apply after a certain number per month

3. Seacoast Commerce Bank (Branches in the area: 2): Free Checking

  • $100 minimum opening deposit
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 skys the limit2 / Flickr | http://www.flickr.com/photos/52949402@N03/5705173195/

9. Dallas, Texas - Population: 1.2 million

 

1. BBVA Compass Bank (Branches in the area: 19): ClearConnect Checking

  • $25 minimum to open
  • Excess withdrawal and excess branch deposits fee apply after a certain number per month

2. PlainsCapital Bank (Branches in the area: 6): Simply Free Checking

  • $50 minimum to open
  • No paper statements allowed

3. Bank of Texas (Branches in the area: 6): Free Checking

  • $50 to open
  • Free access to any ATM nationwide
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 Flickr | http://www.flickr.com/photos/toprankblog/1183235402/

10. San Jose, California - Population: 0.95 million

 

1. Charles Schwab Bank (Branches in the area: 1): High Yield Investor Checking

  • $0 minimum to open
  • Earns interest and get unlimited fee rebates from any ATM nationwide

2. BBVA Compass Bank (Branches in the area: 1): ClearConnect Checking

  • $25 minimum to open
  • Excess withdrawal and excess branch deposits fee apply after a certain number per month

3. Umpqua Bank (Branches in the area: 1): emerge eChecking

  • $25 to open
  • Paperless statements required
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