| Finacial Institution | Name of Account | URL | Overdraft Fee | Monthly Maintenance Fee | Non Sufficient Funds Fee | Check Cashing Fee | ATM Fee (In-Network) | 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 | n/a | Free | $10 (savings only) | $25 | Free | Yes | Online only | |
| Alliant | Alliant Credit Union Teen Checking | Visit Site | $0 | $0 | $0 | n/a | Free | $10 (savings only) | $25 | Free | Yes | Online only | |
| Ally | Ally Bank Spending Account | Visit Site | $0 | $0 | $0 | n/a | Free | None | $0 | Free | Yes | Online only | |
| Atlantic Union Bank | Atlantic Union Bank PRISM Checking | Visit Site | $0* | $0 or $5 | n/a | n/a | $3.00 | None found | $25 | n/a | Yes | Both | Find a Location |
| Bank of America | Bank of America Safebalance Banking | Visit Site | $10 | $4.95 | n/a | $0 (members only) | $0 | None | $25 | n/a | Yes | Both | Find a Location |
| BMO | BMO Smart Money Checking | Visit Site | $0 | $5 or $0 if under 25 | n/a | $10 (non‑member) | Free (BMO & Allpoint) | None found | $25 | Free | Yes | No MD locations & Online Available | Find a Location |
| Burke & Herbert Bank & Trust Company | Burke & Herbert Bank & Trust Company Simple Checking | Visit Site | $32 | $10 | $32 | n/a | Free at B&H & Allpoint; $2.50 out‑of‑network | $5/mo dormant | $25 | Free e‑statements; paper $2 | Yes | Both | Find a Location |
| Capital One | Capital One 360 Checking Account | Visit Site | $0 | $0 | $0 | n/a | Free at 70,000+ ATMs | None | $0 | Free | Yes | Both | Find a Location |
| Cathay Bank | Cathay Bank Everyday Checking | Visit Site | n/a | $3 or $0 w/ e‑statement or $100 direct deposit | n/a | n/a | Free at Cathay & surcharge‑free network | None found | $25 | Free | Yes | 1 MD location & Online Available | Find a Location |
| Chase | Chase Secure Banking Account | Visit Site | $0 | $4.95 or $0 (17–24 or $250+ deposits) | n/a | Free | Free at Chase ATMs | None | $0 | Free | Yes | Both | Find a Location |
| Citi | Citi Access Checking | Visit Site | $0 (Citi eliminated overdraft fees) | $5 (waived w/ $500 DD or $1,500 balance) | $0 (no returned item fees) | n/a | $2.50 (non‑Citi ATM fee) | None found | $0 (no minimum to open) | Free | Yes | No MD locations & Online Available | Find a Location |
| Discover | Discover Bank Cashback Debit Checking Account | Visit Site | $0 | $0 | $0 (no insufficient funds fees) | n/a | Free at 60,000+ ATMs (Allpoint/MoneyPass) | None | $0 | Free | Yes | Online only | |
| Dollar Bank | Dollar Bank Smart Start Checking | Visit Site | $0 (no overdraft fees) | $0 | $0 (no NSF fees) | n/a | No charge at Dollar Bank ATMs | $10/mo after 24 months inactivity (dormant fee) | $25 (savings account requirement) | Free | No (must open in‑branch for ages 13–17) | 1 MD location & Online Available | Find a Location |
| First-Citizen Bank and Trust | First-Citizen Bank and Trust Sure Advantage | Visit Site | $36 per overdraft (limit 4/day) | Varies by account; Sure Advantage not publicly listed | $35 returned item fee (general schedule) | n/a | Free at First‑Citizens ATMs; $2 non‑FCCB ATM | $10/mo after 24 months inactivity | $0–$50 depending on account type (not specified for Sure Advantage) | Free | Yes | 2 MD locations & Online Available | Find a Location |
| First National Bank | First National Bank eStyle Account | Visit Site | $0 (no overdraft fees) | $0 (waived w/ 5 transactions) | $0 (no NSF fees) | n/a | Free at 1,600+ FNB ATMs | None | $25 online / $0 in‑branch | Free | Yes | Both | Find a Location |
| First United Bank &Trust | First United Bank &Trust My Money Works Checking | Visit Site | $35 overdraft (per item) | $0 | $35 NSF (per item) | 2% or $5 minimum (non‑customer) | Free at First United ATMs; $2 foreign ATM fee | $5/mo after 12 months inactivity (balances < $1,000) | $50 (typical First United minimum) | Free | Yes | 1 Western MD location & Online Available | Find a Location |
| Firstrust Bank | Firstrust Bank First Checking and First Eagles Checking | Visit Site | $36 overdraft (per item) | $10 (FirstPay Checking) | $36 NSF (per item) | n/a | Free at Firstrust ATMs | $20/yr dormant (checking dormant ≥1 yr) | $25 minimum to open | Free | Yes | 1 MD location & Online Available | Find a Location |
| Forbright Bank | Forbright Bank Bright Checking | Forbright Bank Bright Checking | $0 overdraft fees (no overdraft program) | $0 monthly fee | $0 NSF (no overdraft/NSF fees) | n/a | Unlimited ATM fee refunds (non‑Forbright ATMs) | None | $25 minimum to open | Free | No — must open in branch (MD/VA only) | 3 MD locations & Online Available | Find a Location |
| Fulton Bank | Fulton Bank Xpress Account | Visit Site | $0 overdraft fees (no overdraft allowed) | $4.95 (waived ages 13–24) | $0 NSF (NSF fees eliminated) | n/a | $0 at Fulton ATMs; $2.50 foreign ATM (rebates for ages 13–24) | None | $0 in‑branch / $25 online | Free | Yes | 5 MD locations & Online Available | Find a Location |
| LendingClub | LendingClub Level Up Checking | Visit Site | $0 overdraft fees | $0 monthly fee | $0 NSF (no returned item fees) | n/a | $0 + unlimited ATM fee rebates | Account may close if inactive 3 months at $0 balance | $0 minimum to open | Free | Yes | Online only | |
| Middletown Valley Bank | Middletown Valley Bank SimpleSpend Account | Visit Site | $0 (no overdraft allowed) | $2 paper / $0 e‑statement | $0 | n/a | $1.50 (first 4 non‑MVB ATM fees waived) | None | $5 | Free | Yes | Western MD locations & Online Available | Find a Location |
| M&T Bank | M&T Bank MyWay Banking Checking Account | Visit Site | $0 (no overdraft allowed) | $4.95 | $0 | n/a | Free at M&T ATMs | None | $25 | Free | Yes | Both | Find a Location |
| nbkc bank | nbkc bank Everything Account | Visit Site | $0 | $0 | $0 | n/a | Free + refunds up to $12/mo | None | $0 | Free | Yes | Online only | |
| nbkc bank | nbkc bank Money Market Account | Visit Site | $0 | $0 | $0 | n/a | Free + refunds up to $12/mo | None | $0 | Free | Yes | Online only | |
| Orrstown Bank | Orrstown Bank Growth Checking | Visit Site | $35 per overdraft | $5 (waived w/ $500 DD or $1,000 balance) | $35 | n/a | Free at Orrstown ATMs; $2.50 foreign ATM | $5/mo after 12 months inactivity | $25 | Free | Yes | 4 MD locations & Online Available | Find a Location |
| PNC Bank | PNC Bank Simple Checking | Visit Site | $0 (no overdraft or NSF fees) | $5 (waived for <25, 62+, PNC employee, or qualifying DD) | $0 (NSF eliminated) | n/a | Free at PNC ATMs; $3 domestic non‑PNC | None | $25 in‑branch / $0 online | Free | Yes | Both | Find a Location |
| Primis Bank | Primis Bank Primis Perks | Visit Site | $0 (no overdraft fees) | $0 | $0 | n/a | Free at Primis ATMs | None | $1 | Free | Yes | No MD locations & Online Available | Find a Location |
| Primis Bank | Primis Bank Primis Premium | Visit Site | $0 | $0 | $0 | n/a | Free at Primis ATMs | None | $1 | Free | Yes | No MD locations & Online Available | Find a Location |
| Quorum Federal Credit Union | Quorum Federal Credit Union Qflex Checking | Visit Site | $0 (no overdraft program) | $0 | $0 | n/a | Free at 90,000+ ATMs (Allpoint/MoneyPass) | None | $0 | Free | Yes | Shared MD Branches & Online Available | Find a Location |
| Rosedale Federal Savings & Loan Association | Rosedale Federal Savings & Loan Association Everyday Checkless Banking | Visit Site | $0 (no overdraft allowed) | $0 | $0 | n/a | Free at Rosedale ATMs; $2.50 foreign ATM | None | $25 | Free | Yes | Both | Find a Location |
| SkyPoint FCU | SkyPoint FCU Thrive Checking | Visit Site | $0 (no overdraft fees; checkless) | $0 | $0 | n/a | Free at SkyPoint ATMs | None | $5 to open (membership share) | Free | Yes | 3 MD locations & Online Available | Find a Location |
| TD Bank | TD Bank TD Essential Checking | Visit Site | $0 (no overdraft fees) | $4.95 (no waiver except ages 13–17) | $0 | n/a | Free at TD ATMs | None | $0 minimum to open | Free | Yes | Both | Find a Location |
| Truist | Truist Confidence Account | Visit Site | $0 (no overdraft fees) | $5, waived with $500 deposits, 10 transactions, or age <25/62+ | $0 | n/a | Free at Truist ATMs; $2.50 non‑Truist | None | $25 | Free | Yes | Both | Find a Location |
| United Bank | United Bank Essential Checking | Visit Site | $0 (no overdraft fees) | $0 for ages ≤25; $7 for 26+ | $0 | n/a | Free at United ATMs | None | $25 minimum to open | Free | Yes | Both | Find a Location |
| Wells Fargo | Wells Fargo Clear Access Banking | Visit Site | $0 (no overdraft fees) | $5, waived with age 13–24 or $250+ deposits | $0 | n/a | Free at Wells Fargo ATMs; $3 non‑WF | None | $25 | Free | Yes | Both | Find a Location |
| Woodforest National Bank | Woodforest National Bank Wbank Account | Visit Site | $0 (no overdraft allowed; OD item fee $0) | $5/month | $0 (ACH & debit items returned at no cost) | $1.50 (POS credit transaction fee) | $0 at Woodforest ATMs | $15/mo after 6 months inactivity & balance < $100 | $25 | Not eligible (bill pay not available) | Yes | 5 MD locations & Online Available | Find a Location |