Best Free Checking Accounts 2025 Free Checking. Some of the best free checking accounts can be found at online banks, which typically charge fewer fees than traditional banks. In 2025, sofi checking and savings won.

The best checking accounts in 2025 are free, and most offer perks to their customers. Avoid monthly fees by going with one of the best free checking accounts, which means you don’t have to worry about minimum balances or direct deposits.