FinanceHero / United States / Banking
See fees, balance requirements, ATM costs, cards and digital access side by side.
Checking accounts
| Account | Balance / monthly fee | ATM / transfers | Card / app | Eligibility | Key caveat |
|---|---|---|---|---|---|
Capital One360 Checking | Opening: Not availableMinimum: USD 0No monthly fee or ongoing minimum balance. | ATM: No Capital One fee; in-network ATMs are fee-free. Other ATM owners may charge.Transfers: Zelle transfers free; wire fees may apply. | Debit card: YesApp: Yes | Age 18+; U.S. citizen or lawful permanent resident, eligible U.S. address, U.S. mobile number and SSN or ITIN; paperless account. | Funding of at least USD 0.01 is required for the account to count as opened. Cafes offer fewer services than branches. |
Ally BankSpending Account | Opening: USD 0Minimum: USD 0No monthly maintenance or low-balance fee.Interest: Variable APY: 0.10% below USD 15,000; 0.25% at USD 15,000 or more; provider dated 1 Oct 2026. | ATM: No fee at participating U.S. ATMs; other domestic ATM fees reimbursed up to USD 10 per statement cycle.Transfers: Standard and expedited transfers USD 0; outgoing domestic wires USD 20. | Debit card: YesApp: Yes | U.S. resident, U.S. street address, age 18+; SSN or tax identification number. | No branches. ATM reimbursements are capped and domestic; international transactions can cost up to 1%. |
Checked: 7 Oct 2026 · Sources: capitalone.com · ally.com
Fees may exclude statutory charges.