Compare the checking accounts offering no foreign fee debit cards below to find the best option for you. In our Expert’s Answers, you can learn everything you need to know about using your debit card abroad.
- General Consumer
- Business Owner
- College Student
- No
- Yes
HSBC Premier Checking
Interest Rate Breakdown
Balance | APY |
---|---|
$0 - $5 | 0.00% |
$5+ | 0.01% |
- Minimum to Open: $0
Additional Info
- Annual Percentage Yield (APY): 0.01% as of 1/8/2024
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
- *Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.
- Learn more about the HSBC Premier Checking
Chase Private Client
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.01% |
- Minimum to Open: $0
Additional Info
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
- Learn more about the Chase Private Client
Heritage Bank Payroll Plus Checking Account
Interest Rate Breakdown
Balance | APY |
---|---|
$0 - $100,000 | 4.04% |
$100,001+ | 0.14% |
- Minimum to Open: $100
Additional Info
- Earn 4.04% APY with their highest interest checking account. 3 EASY PAYROLL PLUS QUALIFICATIONS:
- (a) Have at least $5,000 in direct deposits each month from payroll, social security, investment income or other forms of monthly income.
- (b) A minimum of $500 in monthly debit card purchases posted to your account.
- (c) Enroll in and receive monthly eStatements.
- No minimum balance.
- Automatic ATM Refunds up to $25 a month
- Free Digital Banking, Mobile Deposit, ePay (Online Bill Pay).
- Learn more about the Heritage Bank Payroll Plus Checking Account
Heritage Bank eCENTIVE Checking Account
Interest Rate Breakdown
Balance | APY |
---|---|
$0 - $100,000 | 2.02% |
$100,001+ | 0.14% |
- Minimum to Open: $100
Additional Info
- No monthly fee or minimum balance requirements.
- Automatic ATM refunds up to $25 – (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)
- 3 EASY eCENTIVE® QUALIFICATIONS:
- (a) Total monthly debit card purchases posted to your account equaling a minimum of $500
- (b) Have at least one direct deposit or automatic payment (ACH) each month.
- (c) Enroll and receive monthly eStatements.
- Base Interest Rate (non-qualifying) 0.05% APY
- Learn more about the Heritage Bank eCENTIVE Checking Account
The Schwab Bank Investor Checking
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.45% |
- Minimum to Open: $0
Additional Info
- No monthly fees, no minimums, and a competitive APY.
- No fee to use a Schwab Bank ATM. Unlimited ATM fee rebates worldwide.
- Charles Schwab Bank does not have its own network of ATMs. However, they offers free unlimited ATM access at any ATM in the world. You can use any ATM that accepts VISA.
- When you open your Schwab Bank Investor Checking, you’ll be opening a brokerage account at the same time and receiving a separate account number for each. You can view both accounts online with a single login, pay no monthly or low-balance fees, and easily transfer funds between accounts for free.
- Domestic wires only (Schwab Bank does not send wires to countries outside the U.S. and its territories)
- Learn more about the The Schwab Bank Investor Checking
Capital One 360 Checking Account
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.10% |
- Minimum to Open: $0
Additional Info
- When you set up free direct deposit, you may receive your money up to 2 days sooner.
- You have three options to choose from if you want overdraft service: Auto-Decline, Free Savings Transfer and No Fee Overdraft. Your default option is Auto-Decline. You can change your overdraft preference after you open the account. If you are enrolled in No Fee Overdraft, the overdraft fee is $0 on approved transactions.
- Use over 70,000 Capital One, MoneyPass® or Allpoint® ATMs at zero cost.
- Learn more about the Capital One 360 Checking Account
Capital One Money Teen Checking
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.10% |
- Minimum to Open: $0
Additional Info
- No monthly service fees or balance requirements.
- No fees to open, keep or use your MONEY account or debit card, for foreign transactions, or to transfer money from internal or external accounts.
- No BillPay or checks.
- Once child turns 18, your teen can choose to open a 360 Checking account and transfer their balance from their MONEY account.
- MONEY teen checking accounts are only available online.
- 70,000+ Fee-free Capital One® and Allpoint® ATMs.
- Learn more about the Capital One Money Teen Checking
TD Bank Beyond Checking
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.01% |
- Minimum to Open: $0
Additional Info
- Free standard checks or discounted select styles.
- Free with this account: Money orders, bank checks, stop payments and incoming wires.
- Fee reimbursements include two overdraft fees per year, all Rush Bill Payments and one outgoing wire per statement cycle.
- Non-TD fees reimbursed when you maintain a $2,500 minimum daily balance.
- Get paid up to 2 business days early with TD Early Pay.
- Manage your money on the move with Online Banking and the TD Bank app.
- Manage your money with confidence with TD Overdraft Relief.
- There are over 1,100 stores & 2,600 ATM's for your convenience.
- Learn more about the TD Bank Beyond Checking
RBC Bank U.S. Business Checking
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $1,000
Additional Info
- Avoid foreign transaction fees by using your RBC Bank U.S. Visa Debit card to make cash withdrawals and pay for U.S. purchases.
- Automatically convert and instantly transfer money for free between your RBC Canadian and U.S.-based accounts through Online Banking.
- Excessive withdrawal fee (per withdrawal over 100 per month): $0.35 per item.
- Get cash at over 50,000 no-fee ATMs across the U.S.
- Learn more about the RBC Bank U.S. Business Checking
Santander Bank US Select Checking
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $25
Additional Info
- No international transaction fee for debit card purchases and ATM withdrawals.
- Up to $30 rebate per service fee period for ATM surcharge fees charged by other institutions at non-Santander ATMs.
- No fee for expedited replacement card (lost, fraud, reissue)
- No fee to use more than 30,000 Santander ATMs globally.
- Learn more about the Santander Bank US Select Checking