Academy Bank 
1201 Walnut St Kansas City MO 64106
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Bank Routing Number
107001481
Bank by Mail/General Mail
PO Box 26458
Kansas City, MO 64196
Deposit Only Mailbox
PO Box 26744
Kansas City, MO 64196
Phone Number
1-877-712-2265
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featured
2025-04-14
Checking
published
2-minute
No Fees, Please! Why You Need a Free Checking Account
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Everywhere you turn, there is a fee waiting to eat into your wallet. Parking meters, HOA dues, baggage fees, toll roads, and subscription costs are constant reminders that nothing in life comes for free. And while some of these costs feel unavoidable, there is one place where you shouldn’t have to pay extra: accessing your own money. In this article, we’ll explore how you can avoid banking fees and find free checking accounts that let you keep more of your hard-earned cash.
Bank Accounts with No Fees: Do They Even Exist?
A bank account should make budgeting easier—not more expensive. But let’s face it: fees can sneak in from all directions. Whether it’s monthly maintenance charges, minimum balance requirements, overdraft fees, or ATM fees, these added costs can catch you off guard and chip away at your account balance.
For students, growing families, or anyone watching their budget closely, even small fees can have a BIG IMPACT. Because really, storing your money in a bank shouldn’t cost extra. This is your cash after all!
Therefore, it’s worth considering a checking account that makes things simple—and free.
Why is it Important to Have a Free Checking Account?
If you have never heard of free checking accounts, prepare to meet your new favorite financial tool. A free checking account does exactly what it sounds like—it keeps your money safe without all the charges. That’s right! No monthly service fees and no minimum balances. Just a straightforward way to manage your money.
The best free checking accounts come with everything you need to stay in control:
- Digital Banking: Deposit checks, pay bills, and check your balance from anywhere.
- Online Bill Pay: Ditch the stamps and pay utility or credit card bills with just a few clicks.
- Transparent Terms: No surprise charges lurking in the fine print.
With fewer fees and all the essentials, a free checking account gives you one less thing to worry about—and that’s always a win for your wallet!
What Banks Have Free Checking Accounts?
To make banking easier, a free checking account is a smart way to manage your finances without added costs. It’s ideal for anyone who wants an easy, straightforward approach to keeping their money in order.
If you are searching for banks with free checking accounts, consider Academy Bank’s Simply Free Checking. This popular account has no monthly service charges, so your money stays exactly where it should be—with you.
Why people love Simply Free Checking:
- No monthly service charges
- No minimum balance requirements
- Free monthly eStatements (monthly paperless required)
- Free overdraft protection when linked to a savings account
- Mobile1 and online banking
- Debit card access with special card controls
- FDIC insurance for added security
- Refer friends and family: Get $50 for you and $50 for them2
- AND SO. MUCH. MORE!
Remember. the best free checking accounts are the ones you don’t have to worry about. So, it’s time to ditch the fine print and enjoy an uncomplicated, hassle-free, fee-free, and carefree checking account. Get started with Academy Bank!
Open Free Checking Account Online
$25 opening balance required. eStatements required. Closing new accounts within 90 days of opening will result in a $25 early closure fee.
1 Message and data rates charged by your mobile phone carrier may apply.
2 Message and data rates may apply. Terms and conditions apply.