Which National Banks Offer Free Online Checking?

Chase and Citibank are two national banks that offer free checking accounts with online access, notes each financial institution's website. Each bank has minimum deposit requirements and fee structures.

Chase offers four different checking accounts, and each has its own unique terms, notes the official website of the financial institution. All checking account options offer online banking and online bill pay. In addition, users can access all of the automated teller machines and Chase branches to gain access to their funds. Another feature that each account offers is mobile banking, which allows for account access via cellphone or tablet. As of 2015, each account requires a minimum deposit. In addition, there are monthly service fees if a user does not meet the direct deposit or account balance requirements.

In comparison, the Citi packages include the Citigold Account, the Citibank Account, Basic Banking and Access Account, lists the organization's website. Each option offers access to all Citi automated teller machines across the United States. All accounts offer online access 24 hours a day. Moreover, each of the accounts charges no monthly service fee if the account holder meets account maintenance and investment minimums. Users can also take advantage of the various rewards programs. As of 2015, none of the Citi accounts requires a minimum opening deposit.