{"id":96819,"date":"2025-05-12T04:07:07","date_gmt":"2025-05-12T08:07:07","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=96819"},"modified":"2025-05-12T14:28:03","modified_gmt":"2025-05-12T18:28:03","slug":"best-checking-account","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/best-checking-account\/","title":{"rendered":"The Best Checking Accounts: No Fees, Great Perks, Zero BS"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"96819\" class=\"elementor elementor-96819\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b5e1b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1b5e1b0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-224c21c\" data-id=\"224c21c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c23a8c elementor-widget elementor-widget-text-editor\" data-id=\"7c23a8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In this post, I&#8217;ll take you through some of the best checking accounts available. Feel free to jump to the ones you&#8217;re most interested in!<\/p><p><em>Please note: I do not have any affiliation with the following banks. Bank offers are subject to change, so for the latest information on their products, always visit their official website.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f24010 elementor-widget elementor-widget-image\" data-id=\"7f24010\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image1-5.jpg\" class=\"attachment-large size-large wp-image-89111\" alt=\"\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image1-5.jpg 1024w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image1-5-300x200.jpg 300w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2023\/02\/image1-5-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9b76516 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"9b76516\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cb75ee5\" data-id=\"cb75ee5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b3d76f elementor-widget elementor-widget-heading\" data-id=\"7b3d76f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Charles Schwab<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bc6a87 elementor-widget elementor-widget-text-editor\" data-id=\"3bc6a87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.schwab.com\/\" target=\"_blank\" rel=\"noopener\">Charles Schwab <\/a>ranks among the most reliable checking accounts, and rightly so. It comes with the most benefits and is the account I personally use. The benefits include:<\/p><ul><li>Free foreign transactions<\/li><li>Unlimited ATM reimbursements worldwide<\/li><li>An APY (that&#8217;s Annual Percentage Rate)<\/li><li>No minimum balance or monthly maintenance fees<\/li><\/ul><p>If you regularly travel to different countries or need a checking account with the best advantages, you should look no further than the Charles Schwab checking account.<\/p><p>However, you need to get a Charles Schwab brokerage account to open a checking account with them. The brokerage account is entirely free, so you do not have to worry about fees or minimum balance requirements. All you have to do is create the account. After that, you do not have to use it.<\/p><p>The only disadvantage that comes with the Charles Schwab checking account is the low number of physical branches. While this is fine for most people, it can be a significant inconvenience for people who deal with foreign currencies regularly.<\/p><p>However, a Charles Schwab checking account should entice anyone who does most of their banking online or is lucky enough to have a branch near them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a991f6 elementor-widget elementor-widget-heading\" data-id=\"3a991f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Chime<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-409fe2a elementor-widget elementor-widget-text-editor\" data-id=\"409fe2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you&#8217;re looking for a checking account that does more than the ordinary, <a href=\"https:\/\/www.chime.com\/\" target=\"_blank\" rel=\"noopener\">Chime<\/a> is a great option. You get a mobile checking account that offers a number of benefits like:<\/p><ul><li>No maintenance fees<\/li><li>Free overdraft protection up to $200 with SpotMe<\/li><li>No transfer fees<\/li><li>No foreign transaction fees<\/li><li>No fees at any of the 60,000+ in-network ATMs<\/li><\/ul><p>Additionally, you can receive your paycheck earlier by as much as two days and <a href=\"https:\/\/www.iwillteachyoutoberich.com\/automate-your-finances\/\">automate savings<\/a> so that the account automatically pulls a specific amount from the deposits and allocates it to a separate savings account.<\/p><p>You can learn how to automate your finances in by watching the video below:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1fb3e3 elementor-widget elementor-widget-video\" data-id=\"d1fb3e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/tE1s4Eg6SCE&quot;,&quot;lazy_load&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db56e6a elementor-widget elementor-widget-heading\" data-id=\"db56e6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Axos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28a5559 elementor-widget elementor-widget-text-editor\" data-id=\"28a5559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.axosbank.com\/\" target=\"_blank\" rel=\"noopener\">Axos<\/a> offers three different checking accounts, with each one coming with various benefits. The Essential checking account has various benefits such as:<\/p><ul><li>No API required\u00a0<\/li><li>No monthly fee\u00a0<\/li><li>No minimum balance<\/li><li>No overdraft fees<\/li><li>Mobile deposits<\/li><li>Unlimited ATM reimbursements for US ATMs<\/li><\/ul><p>You will, however, pay a 1% transaction fee for all foreign transactions. The only difference between the Essential and Rewards checking accounts is that the latter offers an APY of up to 3.30%. The Cashback checking account is similar to the Essential checking account, only that it requires an average balance of $1500 to get 1% cashback up to $2000 per month. If your average daily balance falls below that, you will earn .50% cashback. However, the cashback only applies to signature-based transactions, meaning that you have to run the debit card as credit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2727f0d elementor-widget elementor-widget-heading\" data-id=\"2727f0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HSBC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb6029 elementor-widget elementor-widget-text-editor\" data-id=\"4eb6029\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.us.hsbc.com\/\" target=\"_blank\" rel=\"noopener\">HSBC<\/a> offers a few checking accounts that you can choose from, including the Basic Banking checking account, the Choice Checking account, the Advance checking account, and the Premier checking account. Although HSBC does not offer any great propositions, it is an excellent option for those looking for a truly global bank because they have physical branches across the world. However, there are some significant drawbacks to using HSBC.\n\nThe downsides include:\n<ul>\n \t<li>You do not get an APY with Basic Banking and Choice checking accounts<\/li>\n \t<li>You will pay a 3% foreign transaction fee that applies to all checking accounts except the Premier World Debit<\/li>\n \t<li>The Choice Checking account charges a $15 monthly fee if you do not meet the minimum balance requirements<\/li>\n \t<li>Both Basic Banking and Choice checking accounts do not offer any ATM reimbursements<\/li>\n \t<li>You will pay a $2.50 fee for every transaction on out of network ATMs<\/li>\n \t<li>You will pay a $25 monthly fee if you do not meet the minimum balance requirements for the Advance checking account<\/li>\n \t<li>The Premier checking account requires a $50 monthly payment under the same conditions<\/li>\n \t<li>You must maintain a minimum balance of $5,000 with direct deposits or $10,000 for the Advance checking account<\/li>\n \t<li>The Premier checking account requires a minimum balance of $75,000 across all accounts<\/li>\n \t<li>The Advance checking account offers ATM reimbursements four times per statement, but in the US only exclusive of New York<\/li>\n<\/ul>\nIf you do not have an international lifestyle, own homes in multiple countries, or do business internationally, the availability of branches all over may not be worth the extra cost.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1767b8 elementor-widget elementor-widget-heading\" data-id=\"c1767b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ally<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a989d80 elementor-widget elementor-widget-text-editor\" data-id=\"a989d80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.ally.com\/\" target=\"_blank\" rel=\"noopener\">Ally<\/a> is one of the online-only banks that&#8217;s growing in popularity lately. Some of the pros that come with the Ally checking account include:<\/p><ul><li>Tiered APY up to .25%<\/li><li>No monthly fee applies<\/li><li>No overdraft fees<\/li><li>Overdraft coverage up to $250 with CoverDraft<\/li><li>You do not have to maintain a minimum balance<\/li><li>Mobile deposits<\/li><li>ATM reimbursements worth up to $10 per statement<\/li><\/ul><p>The cons are listed below:<\/p><ul><li>A foreign transaction fee of up to 1% of the transaction<\/li><li>Lack of physical branches<\/li><\/ul><p>Although Ally has a reliable checking account, it is not comparable to Charles Schwab.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8eb761 elementor-widget elementor-widget-heading\" data-id=\"a8eb761\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Capital One 360<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c43d8d elementor-widget elementor-widget-text-editor\" data-id=\"4c43d8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.capitalone.com\/bank\/\" target=\"_blank\" rel=\"noopener\">Capital One 360<\/a> checking accounts come with various benefits. They include:\n<ul>\n \t<li>An APY of 0.10% on all balances<\/li>\n \t<li>No monthly fees or minimum balance requirements<\/li>\n \t<li>No foreign transaction fees<\/li>\n<\/ul>\nThe major disadvantages of the Capital One 360 checking account include:\n<ul>\n \t<li>It only has a few branches in a few cities<\/li>\n \t<li>No ATM reimbursements<\/li>\n<\/ul>\nIdeally, the APY should not contribute to your decision to get a Capital One checking account.\n\nIf you already have a Capital One credit card, nothing should stop you from getting a Capital One 360 checking account. Not only does it closely compare to the Charles Schwab checking account, but you also benefit from the possibility of having all your accounts consolidated.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af838ba elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"af838ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you\u2019ve read this far, you\u2019d LOVE my New York Times Bestselling book\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d955e1a elementor-widget elementor-widget-text-editor\" data-id=\"d955e1a\" data-element_type=\"widget\" data-e-type=\"widget\" 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data-submit-text=\"Download My Free First Chapter\" aria-live=\"assertive\" value=\"wpforms-submit\">Download My Free First Chapter<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc8076f elementor-widget elementor-widget-heading\" data-id=\"cc8076f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discover<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4de5ac elementor-widget elementor-widget-text-editor\" data-id=\"c4de5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSome of the most significant advantages for those with <a href=\"https:\/\/www.discover.com\/online-banking\/checking-account\/\" target=\"_blank\" rel=\"noopener\">Discover<\/a> checking accounts include:\n<ul>\n \t<li>No monthly fees<\/li>\n \t<li>No minimum balance requirements<\/li>\n \t<li>Mobile deposits<\/li>\n \t<li>No foreign transaction fees<\/li>\n \t<li>1% cashback on debit card purchases worth up to $3,000<\/li>\n<\/ul>\nThe Discover checking account has a few disadvantages including:\n<ul>\n \t<li>It offers no APY<\/li>\n \t<li>Discover has no physical branches<\/li>\n \t<li>You may have difficulty getting a Discover card accepted internationally<\/li>\n<\/ul>\nAlthough there is nothing terrible about the Discover checking account, it also has no standout positive aspect. Although they offer a 1% cashback on credit card purchases, you have to skip the credit card rewards program to use the debit card.\n\nUnless you already use Discover credit cards, you may not want to switch to the Discover checking account. On the other hand, it may also offer an excellent proposition for people that want to <a href=\"https:\/\/www.iwillteachyoutoberich.com\/closing-a-credit-card\/\">get rid of credit cards<\/a> and need a debit card that offers a cashback program.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-794b612 elementor-widget elementor-widget-heading\" data-id=\"794b612\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Chase<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5899410 elementor-widget elementor-widget-text-editor\" data-id=\"5899410\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/personal.chase.com\/personal\/checking\" target=\"_blank\" rel=\"noopener\">Chase<\/a> has three checking account options. The Chase Total Checking account comes with:\n<ul>\n \t<li>No APY<\/li>\n \t<li>A $12 monthly fee which is nullified if you have $500 worth of direct deposits, a $1,500 balance at the beginning of every day, an average balance of $5,000 in both checking and <a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-savings-account\/\" target=\"_blank\" rel=\"noopener\">savings accounts<\/a><\/li>\n \t<li>No minimum balance requirements<\/li>\n \t<li>No ATM reimbursements or foreign transaction fees<\/li>\n<\/ul>\nThe Chase Premier Plus Checking account offers:\n<ul>\n \t<li>0.01% APY<\/li>\n \t<li>A $25 monthly fee is waived if you have an average balance of $15,000 across the checking and savings accounts or a Chase mortgage with linked payments<\/li>\n \t<li>ATM reimbursements four times per statement<\/li>\n<\/ul>\nLike the Chase Premier Plus Checking account, the Chase Sapphire Checking account:\n<ul>\n \t<li>Fee charges are $25, monthly fee is waived for account holders with an average balance of $75,000 across the savings and checking accounts<\/li>\n \t<li>Has no minimum balance requirements<\/li>\n \t<li>Offers unlimited ATM reimbursements<\/li>\n<\/ul>\nThe most significant disadvantage with any of the Chase checking accounts is the requirements you need to fulfill to have the monthly fee waived. However, it offers an excellent option for those planning on getting a Chase savings account and can quickly meet the balance requirements to have the monthly fee waived.\n\nIf you can get the monthly fee waived, the Chase checking accounts are a great option since you benefit from mobile deposits and mobile banking, 0 foreign transaction fees, and ATM reimbursements. You also benefit from the convenience of walking into any Chase branch because they have branches in almost every major city.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78af763 elementor-widget elementor-widget-heading\" data-id=\"78af763\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">USAA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a67593f elementor-widget elementor-widget-text-editor\" data-id=\"a67593f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some of the perks of <a href=\"https:\/\/www.usaa.com\/\">USAA<\/a> checking accounts include:<\/p><ul><li>A 0.01% APY with $1,000 or more<\/li><li>No monthly fee<\/li><li>Although you spend $25 to open the account, you do not have to maintain a minimum balance after that<\/li><li>ATM reimbursements up to $15 per statement, but you pay a $2 fee to USAA on every ATM withdrawal after the first ten statements<\/li><li>People in the military do not have to pay an initial deposit and get a pre-filled 1199A<\/li><li>Service members also receive payments a day early<\/li><\/ul><p>They unfortunately do charge a 1% foreign transaction fee. USAA has physical branches in West Point, Colorado Springs, San Antonio, and Annapolis. Generally, you can easily find checking accounts where you are better than USAA. However, it may be an appealing option to people already doing a lot of business with USAA and that need to keep all their accounts in one place. For instance, they have one of the best car insurances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cda8ceb elementor-widget elementor-widget-heading\" data-id=\"cda8ceb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\"><b>The world wants you to be vanilla...<\/b><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad7a4b elementor-widget elementor-widget-text-editor\" data-id=\"2ad7a4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t&#8230;but you don&#8217;t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be0b399 elementor-widget elementor-widget-button\" data-id=\"be0b399\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\u00a0\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz\u2028<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab7b231 elementor-widget elementor-widget-heading\" data-id=\"ab7b231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is a Checking Account?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8c7359 elementor-widget elementor-widget-text-editor\" data-id=\"b8c7359\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A <a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-checking-account\/\" target=\"_blank\" rel=\"noopener\">checking account<\/a> refers to a specific bank account that allows you to withdraw quickly and deposit the money required for your daily transactions. The transactions may include depositing a received check, taking out money using your debit card, or setting up direct deposits for your paychecks.<\/p><p>They are among the <a href=\"https:\/\/www.bankbazaar.com\/savings-account-guide\/which-type-of-account-is-the-most-liquid.html#:~:text=Liquidity%20in%20finance%20by%20the,considered%20the%20most%20liquid%20accounts.\" target=\"_blank\" rel=\"noopener\">most liquid bank accounts<\/a>, meaning that they allow you to access your money quickly. Although they allow for unlimited withdrawals and deposits, some have daily maximum limits, depending on the bank you use.<\/p><p>The primary purpose of checking accounts is to hold money in a safe place in the short term so you can easily access it when you need to cover different expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79155ff elementor-widget elementor-widget-heading\" data-id=\"79155ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do You Need a Checking Account?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebc6dda elementor-widget elementor-widget-text-editor\" data-id=\"ebc6dda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Various studies indicate that <a href=\"https:\/\/www.fdic.gov\/analysis\/household-survey\/index.html#:~:text=An%20estimated%204.5%20percent%20of,the%20survey%20began%20in%202009.\" target=\"_blank\" rel=\"noopener\">millions of people do not have checking accounts<\/a>. Many people have developed a general distrust for banking institutions after the 2008 financial crisis. But having a checking account makes life a lot easier. Here are some of the reasons why you should have a checking account.<\/p><ul><li>A checking account allows you to get paid quickly. With many people living from paycheck to paycheck, getting paid on time is a priority. Having a checking account allows your employer to set up direct deposits so you get the money deposited directly into your account without any extra fees or time. In addition, you gain access to the funds immediately when they get into your account.<\/li><li>It also offers security and protection since it leaves a paper trail. For example, if you get robbed while carrying cash, you cannot recover the money. On the other hand, a checking account allows you to access time-stamped transaction data that indicates how much money was in the account, a specific time, and where the money went.<\/li><li>Access to online budgeting tools which give you more control over your finances.<\/li><li>Ease of paying recurring bills.<\/li><li>The convenience of using a debit card.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70adfe3 elementor-widget elementor-widget-heading\" data-id=\"70adfe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Are Online Checking Accounts Safe?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ddaf3c elementor-widget elementor-widget-text-editor\" data-id=\"8ddaf3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Banks and credit unions have a big responsibility to keep your accounts safe, with no doubts about the safety of your online checking account. All banks and credit unions use state-of-the-art complex security software and encryption methods to protect all accounts. You can quickly contact the bank you have an online checking account with for more information on how they protect your online checking account. Some banks also have insurance policies to safeguard balances above a specified amount so that you will have your money refunded in case of any losses.<\/p><p>You can improve the\u00a0<a href=\"https:\/\/www.forbes.com\/advisor\/banking\/how-to-protect-your-online-banking-information\/\" target=\"_blank\" rel=\"noopener\">safety of your online checking account<\/a> by protecting your cell phone and any devices used to access the account. Also, create strong passwords that no one can guess. Additionally, you should avoid using public computers to access online checking accounts since you may leave behind a trail of data that someone can use to access it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26aa151 elementor-widget elementor-widget-heading\" data-id=\"26aa151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Factors To Consider When Selecting a Checking Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39e1533 elementor-widget elementor-widget-heading\" data-id=\"39e1533\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">User Experience<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85d5078 elementor-widget elementor-widget-text-editor\" data-id=\"85d5078\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When choosing a checking account, always consider the user experience. The ideal checking account should be accessible to anyone.<\/p><p>You should avoid any credit unions and localized options since most of them have geographic restrictions, although they come with several benefits. If you have a credit union in your area of residence, find out if they offer free checking accounts.<\/p><p>Most people bank online, but you may have to visit a physical branch in some cases.<\/p><p>Only online options may not meet your needs in such cases. Also, scrutinize the interface of the online banking portal to ensure that it makes it easy for you to complete your transactions without any complications.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad85367 elementor-widget elementor-widget-heading\" data-id=\"ad85367\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f2c369 elementor-widget elementor-widget-text-editor\" data-id=\"6f2c369\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although you may come across some checking accounts that charge <a href=\"https:\/\/www.iwillteachyoutoberich.com\/get-bank-and-overdraft-fees-waived\/\">overdraft fees<\/a>, the ideal checking account should not have any fees.<\/p><p>Some of the <a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-avoid-bank-fees\/\">standard fees<\/a> you need to avoid when treating a checking account include minimum balance, ATM fees, and maintenance costs.<\/p><p>While most of the checking accounts listed above come with cashback and APY offers, you are likely to get better cashback offers and higher APYs with your\u00a0<a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-choose-a-credit-card\/\">rewards cards<\/a> and savings account, respectively.<\/p><p>In addition, the ideal checking account should not have any transaction fees or monthly fees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8635df elementor-widget elementor-widget-heading\" data-id=\"d8635df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Convenience<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c09ddf0 elementor-widget elementor-widget-text-editor\" data-id=\"c09ddf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ideally, try as much as possible to avoid checking accounts from banks and credit unions that only cover a specific region.<\/p><p><a href=\"https:\/\/fintechmagazine.com\/top10\/top-10-largest-credit-unions-usa\" target=\"_blank\" rel=\"noopener\">Credit unions<\/a> offer a lot of benefits, but they only serve specific professions or areas.<\/p><p>In addition, you may have a preference for banking with a physical branch instead of doing all the banking online. Choosing a checking account from a bank with multiple physical locations allows you to do this.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee140a2 elementor-widget elementor-widget-heading\" data-id=\"ee140a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Reputation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acfa8d9 elementor-widget elementor-widget-text-editor\" data-id=\"acfa8d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Right off the bat, we excluded several checking accounts from our list. Mostly from major banks like Bank of America and Wells Fargo.<\/p><p>While not every major bank is horrible, a few of them definitely are. <a href=\"https:\/\/en.wikipedia.org\/wiki\/Wells_Fargo_account_fraud_scandal\" target=\"_blank\" rel=\"noopener\">Wells Fargo committed one of the largest banking scandals of all time<\/a>. And the list of horror stories from Bank of America is seemingly endless.<\/p><p>Some big banks are decent (like Chase), but we didn&#8217;t even consider offers from Wells Fargo or Bank of America. No matter how good their accounts are, I recommend staying away.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a327ac9 elementor-widget elementor-widget-heading\" data-id=\"a327ac9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Special Circumstances (cash and foreign currency use)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50e4ee6 elementor-widget elementor-widget-text-editor\" data-id=\"50e4ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As much as we love doing everything online, there are two good reasons to choose a checking account that has fewer perks in order to have a bank with a physical branch nearby.<\/p><p><strong>Large cash withdrawals or deposits:<\/strong><\/p><p>If, for whatever reason, you deal with large amounts of cash regularly, you really need a physical branch.<\/p><p>If you need to withdraw more cash than a typical ATM can handle even once or twice a year, it&#8217;s worth getting a checking account at a local bank.<\/p><p><strong>Foreign currency:<\/strong><\/p><p>If you deal with foreign currency regularly, it&#8217;s immensely helpful to have a physical branch nearby.<\/p><p>For example, if you are a freelancer and get paid from foreign banks, you may need to go to a physical bank location to cash that check.<\/p><p>Another perk of having a local branch: exchanging foreign currency back into U.S. dollars. Having a local branch completely solves any leftover foreign currency problems you may have after taking an international trip. You can simply walk in, give them whatever you have left, and they deposit it into your account at a decent exchange rate. No need to deal with getting ripped off at the airport.<\/p><p>So if you&#8217;re dealing with foreign currency or large amounts of cash even a few times a year, it&#8217;s worth getting a checking account with a local branch, even if the perks aren&#8217;t as good. Hopefully, one of the banks on this list has a local branch near you. If you&#8217;re not sure, start with Chase, since they have branches all over the U.S.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf6f180 elementor-widget elementor-widget-heading\" data-id=\"bf6f180\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs About the Best Checking Accounts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a766cd5 elementor-widget elementor-widget-heading\" data-id=\"a766cd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What do you need to open a checking account?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f366e81 elementor-widget elementor-widget-text-editor\" data-id=\"f366e81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To open a checking account with a US-based bank, you need the following:<\/p><ul><li>Social Security Number<\/li><li>Government-issued proof of identity and legal residency or citizenship such as a driver&#8217;s license, passport, or state ID.<\/li><li>Where applicable, a minimum initial deposit.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7490fef elementor-widget elementor-widget-heading\" data-id=\"7490fef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Which banks offer free checking accounts?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-416e034 elementor-widget elementor-widget-text-editor\" data-id=\"416e034\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many online-only banks, like Ally and Capital One, offer free checking accounts. However, traditional banks like Chase offer traditional checking accounts without any charges.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac9cf43 elementor-widget elementor-widget-heading\" data-id=\"ac9cf43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Do checking accounts earn interest?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-811d7b0 elementor-widget elementor-widget-text-editor\" data-id=\"811d7b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some checking accounts, especially those offered by online banks, offer interest on deposits. However, the amount of interest is usually small. If your goal is to save money over a long period of time, you should consider opening an account that offers higher interest rates.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc8602c elementor-widget elementor-widget-shortcode\" data-id=\"bc8602c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<section data-elementor-type=\"section\" data-elementor-id=\"106510\" class=\"elementor elementor-106510\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51156e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"51156e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e992b0\" data-id=\"4e992b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b51f67 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1b51f67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa237b9\" data-id=\"fa237b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b341c44 elementor-widget elementor-widget-heading\" data-id=\"b341c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-large\">If you like this post, you'd love my Ultimate Guide to Personal Finance<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccbe91b elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ccbe91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"193\" height=\"300\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png\" class=\"attachment-medium size-medium wp-image-106717\" alt=\"UG to Personal Finance\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png 193w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png 610w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5130b32 elementor-widget elementor-widget-text-editor\" data-id=\"5130b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s one of the best things I&#8217;ve published (and 100% free), just tell me where to send it:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bbeee elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"85bbeee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53563\"><form id=\"wpforms-form-53563\" class=\"wpforms-validate wpforms-form\" data-formid=\"53563\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/96819\" data-token=\"616c9873956056bb406a67057db9d712\" data-token-time=\"1779992284\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-53563-field_18-container\" 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id=\"wpforms-53563-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53563-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53563-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/96819\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/best-checking-account\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd482ad elementor-hidden-mobile\" data-id=\"fd482ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb86639 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"cb86639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"610\" height=\"950\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png\" class=\"attachment-medium_large size-medium_large wp-image-106717\" alt=\"UG to Personal Finance\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png 610w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png 193w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The best checking accounts should have no fees, full ATM access worldwide, and real perks that respect your financial goals\u2014not chip away at them. My top picks are: Charles Schwab, Ally Bank, Capital One 360, and Discover Cashback Debit. Each offers modern features without the usual fine print, and depending on how you bank, one [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":121024,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"yes","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-96819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/96819","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=96819"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/96819\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/121024"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=96819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=96819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}