| Name of Account | URL | Overdraft Fee | Monthly Maintenance Fee | Non Sufficient Funds Fee | Check Cashing Fee | ATM Fee | Inactivity Fee | Minimum Deposit | Online Bill Pay Fee | Online Account Opening | Online / In-person | Location Finder | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Alliant | Alliant Credit Union High-Rate Checking | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | $0 | $0 | $10 (savings only) | $25 | $25 | $0 | Yes | Online only | Online only |
| Alliant | Alliant Credit Union Teen Checking | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | $0 | $0 | $10 (savings only) | $25 | $25 | $0 | Yes | Online only | Online only |
| Ally | Ally Bank Spending Account | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | $0 | $0 | $0 | $0 | $0 | $0 | Yes | Online only | Online only |
| Atlantic Union Bank | Atlantic Union Bank PRISM Checking | Visit Site | $0 | $0 | Fee can be waived | $0 or $5 | $0 | $0 | n/a | $1-$5 | $3.00 | $0 | $0 | $25 | $25 | $0 | Yes | Online + MD branches | Find a Location |
| Bank of America | Bank of America Safebalance Banking | Visit Site | $1-$24 | $10 | $1–$5 | $4.95 | $0 | $0 | $0 (members only) | $0 | $0 | $0 | $0 | $25 | $25 | $0 | Yes | Online + MD branches | Find a Location |
| BMO | BMO Smart Money Checking | Visit Site | $0 | $0 | Fee can be waived | $5 (waived if under 25) | $0 | $0 | $10 (non-member) | $0 | Free (BMO & Allpoint) | $0 | $0 | $25 | $25 | $0 | Yes | Online + branches outside MD | Find a Location |
| Burke & Herbert Bank & Trust Company | Burke & Herbert Bank & Trust Company Simple Checking | Visit Site | $25 or more | $32 | $6–$10 | $10 | $25 or more | $32 | n/a | $0 | Free at B&H & Allpoint; $2.50 out-of-network | Fee after inactivity | $5/mo dormant | $25 | $25 | $0 e-statements; paper $2 | Yes | Online + MD branches | Find a Location |
| Capital One | Capital One 360 Checking Account | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free at 70,000+ ATMs | $0 | $0 | $0 | $0 | $0 | Yes | Online + MD branches | Find a Location |
| Cathay Bank | Cathay Bank Everyday Checking | Visit Site | $0 | $0 | Fee can be waived | $3 (waived with e-statement or $100 direct deposit) | $0 | $0 | n/a | $0 | Free at Cathay & surcharge-free network | $0 | $0 | $25 | $25 | $0 | Yes | Online + MD branches | Find a Location |
| Chase | Chase Secure Banking Account | Visit Site | $0 | $0 | Fee can be waived | $4.95 (waived if 17–24 or $250+ deposits) | $0 | $0 | n/a | $0 | Free at Chase ATMs | $0 | $0 | $0 | $0 | $0 | Yes | Online + MD branches | Find a Location |
| Citi | Citi Access Checking | Visit Site | $0 | $0 | Fee can be waived | $5 (waived w/ $500 DD or $1,500 balance) | $0 | $0 | n/a | $0 | $2.50 (non-Citi ATM fee) | $0 | $0 | $0 | $0 | $0 | Yes | Online + branches outside MD | Find a Location |
| Discover | Discover Bank Cashback Debit Checking Account | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free at 60,000+ ATMs (Allpoint/MoneyPass) | $0 | $0 | $0 | $0 | $0 | Yes | Online only | Online only |
| Dollar Bank | Dollar Bank Smart Start Checking | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | No charge at Dollar Bank ATMs | Fee after inactivity | $10/mo after 24 months inactivity (dormant fee) | $25 | $25 (savings account requirement) | $0 | No - Must open in-branch for ages 13–17 | Online + MD branches | Find a Location |
| First-Citizen Bank and Trust | First-Citizen Bank and Trust Sure Advantage | Visit Site | $25 or more | $36 per overdraft (limit 4/day) | $0 | Varies by account | $25 or more | $35 returned item fee (general schedule) | n/a | $0 | Free at First-Citizens ATMs; $2 non-FCCB ATM | Fee after inactivity | $10/mo after 24 months inactivity | $0 | $0–$50 depending on account type | $0 | Yes | Online + MD branches | Find a Location |
| First National Bank | First National Bank eStyle Account | Visit Site | $0 | $0 | Fee can be waived | $0 (waived with 5 transactions) | $0 | $0 | n/a | $0 | Free at 1,600+ FNB ATMs | $0 | $0 | $0 | $25 online / $0 in-branch | $0 | Yes | Online + MD branches | Find a Location |
| First United Bank &Trust | First United Bank &Trust My Money Works Checking | Visit Site | $25 or more | $35 per item | $0 | $0 | $25 or more | $35 NSF (per item) | 2% or $5 minimum (non-customer) | $0 | Free at First United ATMs; $2 foreign ATM fee | Fee after inactivity | $5/mo after 12 months inactivity (balances < $1,000) | $50 | $50 (typical First United minimum) | $0 | Yes | Online + MD branches | Find a Location |
| Firstrust Bank | Firstrust Bank First Checking and First Eagles Checking | Visit Site | $25 or more | $36 per item | $6–$10 | $10 (FirstPay Checking) | $25 or more | $36 NSF (per item) | n/a | $0 | Free at Firstrust ATMs | Fee after inactivity | $20/yr dormant (checking dormant ≥1 yr) | $25 | $25 minimum to open | $0 | Yes | Online + MD branches | Find a Location |
| Forbright Bank | Forbright Bank Bright Checking | Forbright Bank Bright Checking | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Unlimited ATM fee refunds (non-Forbright ATMs) | $0 | $0 | $25 | $25 minimum to open | $0 | No - Must open in branch (MD/VA only) | Online + MD branches | Find a Location |
| Fulton Bank | Fulton Bank Xpress Account | Visit Site | $0 | $0 | Fee can be waived | $4.95 (waived ages 13–24) | $0 | $0 | n/a | $0 | $0 at Fulton ATMs; $2.50 foreign ATM (rebates for ages 13–24) | $0 | $0 | $0 | $0 in-branch / $25 online | $0 | Yes | Online + MD branches | Find a Location |
| LendingClub | LendingClub Level Up Checking | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | $0 + unlimited ATM fee rebates | $0 | Account may close if inactive 3 months at $0 balance | $0 | $0 minimum to open | $0 | Yes | Online only | Online only |
| Middletown Valley Bank | Middletown Valley Bank SimpleSpend Account | Visit Site | $0 | $0 | Fee can be waived | $2 paper (waived with e-statement) | $0 | $0 | n/a | $1-$5 | $1.50 (first 4 non-MVB ATM fees waived) | $0 | $0 | $1–$5 | $5 | $0 | Yes | Online + MD branches | Find a Location |
| M&T Bank | M&T Bank MyWay Banking Checking Account | Visit Site | $0 | $0 | $1–$5 | $4.95 | $0 | $0 | n/a | $0 | Free at M&T ATMs | $0 | $0 | $25 | $25 | $0 | Yes | Online + MD branches | Find a Location |
| nbkc bank | nbkc bank Everything Account | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free + refunds up to $12/mo | $0 | $0 | $0 | $0 | $0 | Yes | Online only | Online only |
| nbkc bank | nbkc bank Money Market Account | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free + refunds up to $12/mo | $0 | $0 | $0 | $0 | $0 | Yes | Online only | Online only |
| Orrstown Bank | Orrstown Bank Growth Checking | Visit Site | $25 or more | $35 per overdraft | Fee can be waived | $5 (waived with $500 DD or $1,000 balance) | $25 or more | $35 | n/a | $0 | Free at Orrstown ATMs; $2.50 foreign ATM | Fee after inactivity | $5/mo after 12 months inactivity | $25 | $25 | $0 | Yes | Online + MD branches | Find a Location |
| PNC Bank | PNC Bank Simple Checking | Visit Site | $0 | $0 | Fee can be waived | $5 (waived for <25, 62+, PNC employee, or qualifying DD) | $0 | $0 | n/a | $0 | Free at PNC ATMs; $3 domestic non-PNC | $0 | $0 | $0 | $25 in-branch / $0 online | $0 | Yes | Online only | Find a Location |
| Primis Bank | Primis Bank Primis Perks | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free at Primis ATMs | $0 | $0 | $1–$5 | $1 | $0 | Yes | Online + branches outside MD | Find a Location |
| Primis Bank | Primis Bank Primis Premium | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free at Primis ATMs | $0 | $0 | $1–$5 | $1 | $0 | Yes | Online + branches outside MD | Find a Location |
| Quorum Federal Credit Union | Quorum Federal Credit Union Qflex Checking | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free at 90,000+ ATMs (Allpoint/MoneyPass) | $0 | $0 | $0 | $0 | $0 | Yes | Online + MD branches | Find a Location |
| Rosedale Federal Savings & Loan Association | Rosedale Federal Savings & Loan Association Everyday Checkless Banking | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free at Rosedale ATMs; $2.50 foreign ATM | $0 | $0 | $25 | $25 | $0 | Yes | Online + MD branches | Find a Location |
| SkyPoint FCU | SkyPoint FCU Thrive Checking | Visit Site | $0 | $0 | $0 | $0 | $0 | $0 | n/a | $0 | Free at SkyPoint ATMs | $0 | $0 | $1–$5 | $5 to open (membership share) | $0 | Yes | Online + MD branches | Find a Location |
| TD Bank | TD Bank TD Essential Checking | Visit Site | $0 | $0 | Fee can be waived | $4.95 (waiver for ages 13–17) | $0 | $0 | n/a | $0 | Free at TD ATMs | $0 | $0 | $0 | $0 minimum to open | $0 | Yes | Online + MD branches | Find a Location |
| Truist | Truist Confidence Account | Visit Site | $0 | $0 | Fee can be waived | $5, waived with $500 deposits, 10 transactions, or age <25/62+ | $0 | $0 | n/a | $0 | Free at Truist ATMs; $2.50 non-Truist | $0 | $0 | $25 | $25 | $0 | Yes | Online + MD branches | Find a Location |
| United Bank | United Bank Essential Checking | Visit Site | $0 | $0 | Fee can be waived | $0 for ages ≤25; $7 for 26+ | $0 | $0 | n/a | $0 | Free at United ATMs | $0 | $0 | $25 | $25 minimum to open | $0 | Yes | Online + MD branches | Find a Location |
| Wells Fargo | Wells Fargo Clear Access Banking | Visit Site | $0 | $0 | Fee can be waived | $5, waived with age 13–24 or $250+ deposits | $0 | $0 | $0 | Free at Wells Fargo ATMs; $3 non-WF | $0 | $0 | $25 | $25 | $0 | Yes | Online + MD branches | Find a Location | |
| Woodforest National Bank | Woodforest National Bank Wbank Account | Visit Site | $0 | $0 | $1–$5 | $5/month | $0 | $0 (ACH & debit items returned at no cost) | $1.50 (POS credit transaction fee) | $0 | Free at Woodforest ATMs | Fee after inactivity | $15/mo after 6 months inactivity & balance < $100 | $25 | $25 | Not avilable | Yes | Online + MD branches | Find a Location |