Which Banks Offer Online Only Checking Accounts?


Quick Answer

Many banks provide online-only checking accounts, including Ally Bank, Capital One 360, American Express Serve and GoBank. These accounts offer a variety of features, such as remote deposits, direct deposits, mobile access and money transfer, as well as no-cost ATM access.

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Full Answer

Ally Bank allows Internet customers to open accounts with no minimum deposit, with no monthly or ATM fees for use. Customers can deposit checks remotely using Ally eCheck Deposit, and its Popmoney service allows account holders to send money to others via a mobile app.

Capital One 360 offers account holders fee-free checking accounts and free access to 38,000 Allpoint ATMs and 2,000 Capital One ATMs. This account also provides a MasterCard debit card to account holders, which can be used anywhere MasterCard is accepted. Its CheckMate service allows for remote deposits via a mobile app.

American Express Serve offers free account setup online and free reloads at over 27,500 locations. Free online bill pay is included with this online only checking account, and account holders receive an American Express Serve card that can be used anywhere that accepts American Express.

GoBank allows account holders to snap a picture of checks for mobile deposit and also accepts direct deposits and free cash reloads at any Wal-Mart location. No overdraft fees are charged when using this account.

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