There are many banks that offer checking accounts with no initial deposit requirements as of 2015. However, such loose account parameters sometimes come with limited services and usage restrictions. Monument Bank offers a number of checking account products with no initial deposit requirement, according to its website.
ABNB Federal Credit Union also offers checking without an initial deposit. However, to avoid monthly maintenance charges on the account, a customer must use electronic services for statements.
BB&T is another bank that offers checking accounts with no initial deposit requirement. The bank does promote interest yields on its website as an incentive to make a deposit and maintain a balance.