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How to Have Hard Money Conversations

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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When it comes to money, 61% of women would rather talk about their own death, according to a report by Merrill Lynch and Age Wave. Meanwhile, 43% of people in a Fidelity study failed to correctly identify how much their partner makes.

If money is something we all deal with, why is it so hard to discuss? “It’s a really delicate issue because we all have different needs and priorities when it comes to finances, and what one person may value to save and protect might not be the same with someone else,” said Lizzie Post, great-great-granddaughter of etiquette guru Emily Post and co-president of The Emily Post Institute. “Plus, even if we’re comfortable sharing, we’re aware that other people might not be.”

Of course, not talking about money isn’t really a viable option, especially when it comes to the important people in our lives, and having those hard money conversations can actually lead to a better understanding of how to manage financial issues with other people. No matter who you’re talking with, Tammy Butts, regional executive vice president and branch manager for AXA Advisors, suggested following three rules:

  1. Start early. Whether it’s a spouse or partner, your children or a roommate, the sooner you can start having money conversations, the better — “you want to ultimately have them before you’re at the crossroads.”
  2. Develop a plan. When you develop a strategy, it allows you to make solid financial decisions. A good strategy to start with is determining the important financial information you’ll need before moving forward with a conversation. Depending on whom you’re talking to and what you’re discussing, you may need to share specific details about assets, where that money is kept and what you plan to do with it.
  3. Keep communicating. One conversation is a good start, but in some cases you’ll need to talk more frequently about a particular topic. Communicating frequently about and updating your plan as necessary will allow you to make decisions and stay on track.

Besides following those three rules, understanding the etiquette and psychology behind money conversations with different types of people in your life will help you ace those particular talks the next time you need to have them.

How to talk about money with your partner

Why it can be difficult: When it comes to your partner, you could be discussing pivotal issues that greatly impact you both, like how to handle debt, how you’ll split shared financial responsibilities and whether or not you’ll be combining your finances. “When we think about equality in relationships, this is one of those places where people can feel a big divide depending on how they’re willing to contribute and see their differences,” Post said.

From an etiquette perspective: As far as etiquette goes, Post suggested coming at any conversation with your partner from a place of understanding. “Take a minute to say, ‘I know this person, but I may not know how they feel about financial matters,’” she said. “That often puts you in a place of being willing to ask questions, rather than just make statements.”

Post suggested asking your partner when a good time would be to discuss a certain financial topic, rather than demand it happen in the moment. For instance, asking if they’d be willing to sit down and have a conversation about managing joint expenses, rather than declaring that it’s time to open a joint checking account. It’s important to also ask your partner to be willing to talk about what their ideas might be and what their expectations are: “You’re trying to create a space where you’ll gather all the information about each other, rather than just come up with a solution right off the bat.” As Post noted, it should be about creating a safe space to first put forth ideas, even if you don’t come up with a solution right away.

From a financial perspective: According to Nathan Astle, student board member of the Financial Therapy Association, it’s important to remember that because money is driven by so much emotion, you should go into the conversation with a certain amount of preparation for emotional responses, for both you and your partner. Remember to speak for yourself with phrases like, “I feel,” instead of “you are,” validate their point of view (even when you disagree) and take a break if the discussion gets too heated (with the expectation that you’ll come back to the topic once you’ve cooled down). Keep the end goal that you’ll talk about what you want to get from the relationship and how you believe money can help you get there, he added.

Using a budgeting app can also help keep everything in one place so conversations are easier moving forward — here are 11 good ones that are totally free.

How to talk about money with your kids

Why it can be difficult: The types of conversations you have with your children will depend on their age, but talking about subjects like saving, credit and debt can make a big impact in your kids’ lives. In fact, while two-thirds of Americans say their family or parents influenced their saving and spending habits, only 56% of American parents said they have actually talked with their kids about money, according to a Chase survey.

From an etiquette perspective: As with your partner, Post advised to always invite your child to have a financial conversation before actually having it. Say something like, “I’d like to talk with you about your allowance, and your mom and I have some ideas and wanted to talk with you about what we’re thinking.” Depending on your plan of action, you can also let your kid know if you’re open to suggestions (as in, “Mom and I have some ideas about your allowance and wanted to get your opinion”).

From a financial perspective: Remember to always keep your kid’s maturity level in mind before bringing up emotional financial topics. “When children are involved in adult financial matters too soon, serious problems can occur,” said Sarah Swantner, a certified financial planner and financial therapist in Rapid City, South Dakota. Instead, “have age-appropriate conversations around money and involve kids in money activities that are rooted in real life, like saving for a much-wanted toy or doing chores to earn money,” said Swantner. “But keep them out of the family financial stress.”

Butts also reminded parents that talking to their kids about money shouldn’t end as they age. “Talk to them about saving when they’re in grade school and college and as young adults, as well,” she said. “I see my clients with their kids, and I have the same discussions with my own adult children about credit. It’s so important we keep educating these young people.”

How to talk about money with your parents

Why it can be difficult: At a certain point, the parent-kid conversation flips and it becomes the adult child’s responsibility to potentially talk about some uncomfortable money topics with their parents — these could include anything from legacy planning, taking over finances or overspending in retirement. It can be especially difficult if there is a history with your parents of not talking about money, Swantner said.

From an etiquette perspective: Much like the conversations before, Post suggested that any financial conversation with your parents should start with a request. “Ask permission to have the conversation, and when you get it, ask to what degree they are comfortable talking about it with you — let them know you don’t want to overstep your bounds,” she said. Always thank your parents for sharing whatever they’re willing to, and ask if you can revisit the topic again in the future to touch base and make sure things are staying the same, or to address them if they’ve changed.

From a financial perspective: The sooner you can start talking about some of these important topics and getting the infrastructure in place, the better. Still, Butts admitted that this is the topic where she tends to see the most difficulty and friction. “You don’t want any surprises, and the more you can make some of these decisions in advance so you don’t have any, you can hopefully have more harmonious outcomes,” she said. “This is where getting an advisor as a neutral third party can help facilitate those conversations.”

Without the help of a third party, however, Swantner suggested sticking to the facts. “Avoid judgments and evaluations,” she said. “Focus your conversation on yourself and not the other person, making your concerns and requests for information clear. If your parents realize they will be helping you by sharing the information, they may be more likely to open up.”

How to talk about money with your friends

Why it can be difficult: Talking to people our own age about money can bring up feelings of inadequacy if the scales seem tilted in one direction. In fact, 44% of people in a Bank of American survey said that money was a major cause of stress in a friendship.

From an etiquette perspective: You can make your life a whole lot easier by being direct with your friends about certain financial situations. “I find there are less assumptions made about me if I open up just a little bit about whether budget is or isn’t a concern,” said Post. She suggested trying something like: “Johnny, I would so love to celebrate your birthday. Financially, I’m trying to stick to my budget, but I would love to have you over for a cup of coffee for some one-on-one time.”

From a financial perspective: Keep in mind that taking some initiative can prevent most difficult money conversations with friends from happening in the first place. “Before everyone starts ordering, make sure that you are okay just splitting the bill so everyone pays for what they bought,” Astle said. There are plenty of apps available to help make splitting the bill less painful. If lending money is the issue at hand, Astle noted it’s always best to treat those situations as you would any other legal transaction. “That takes some of the hard emotional stuff out of the conversation since it keeps you, your money and the relationship safe.”

How to talk about money with your roommates

Why it can be difficult: Chatting with roommates about financial topics can be tricky, since the areas you’ll likely be covering — rent and other shared financial responsibilities — impact all parties on a daily basis. Plus, living with someone you’ve had an uncomfortable money conversation with can be downright unbearable.

From an etiquette perspective: Talking early and often is key to keeping problems at bay, but if a problem does arise — like someone missing rent, for example — it’s best to address the issue from a standpoint of “how are we going to solve this,” rather than from a place of anger, said Post. Again, you’ll want to ask for permission before having any conversation, and setting up a roommate talk on a monthly basis can help assure everyone stays on the same page.

From a financial perspective: If you have several roommates, Astle suggested treating any conversation like a family situation where everyone has equal say and everyone spends time trying to understand each individual. “It works wonders when people feel understood,” he said. Butts also recommended communicating up front that any money conversations between roommates should be about business versus personal. “If you can start by saying, ‘Let’s make this a business transaction,’ now it’s nobody pointing fingers — instead it’s about here’s what’s needed, here’s what everybody shares and here’s when it’s due.” Butts also suggested setting consequences ahead of time so there are no surprises, and potentially even putting it in writing and having everybody sign. “That way, if someone violates it, they knew, and now you aren’t just picking on them,” she said.

The bottom line

Whether you love ‘em or hate ‘em, at the end of the day, certain financial conversations become inevitable. Taking some time to understand the best approach in each scenario will help everyone come out of a money talk unscathed, and with the relationship still in tact.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Cheryl Lock
Cheryl Lock |

Cheryl Lock is a writer at MagnifyMoney. You can email Cheryl at [email protected]

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Financial Therapy: What It Is and How to Know if You Need It

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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Whether you’re stressing over paying bills or spending money to make yourself feel better, anxiety and money often go hand in hand. Still, financial advice tends to emphasize numbers and strategies, not the root cause of money concerns.

Financial therapy is a holistic process that enlists both therapeutic and financial methods to help you transform your relationship with money. Here’s how to tell whether or not it might be the right move for you.

What is financial therapy?

The Financial Therapy Association was born out of the 2008 financial crisis, which left many Americans feeling totally hopeless and out of control with their money — a kind of trauma that went deeper than traditional financial counseling could heal. Researchers and practitioners from both the mental health and business fields teamed up shortly after the crash to create a unique, new practice that combines the best aspects of both disciplines.

By late 2009, the Financial Therapy Association, or FTA, was officially recognized as a nonprofit corporation, and the group held its first annual conference in September of 2010. Today, the association offers a variety of tools for both consumers and professionals looking to participate in this unique practice, and also offers a searchable database for finding financial therapists by state.

The association defines financial therapy as “a process informed by both therapeutic and financial competencies that helps people think, feel and behave differently with money to improve overall wellbeing through evidence-based practices and interventions.”

In short, just like regular therapy, it helps you get your head on straight — except in this case, it’s particularly concerned with financial matters. Many financial therapists are also licensed family or marriage counselors, so you can take it on solo or with a partner.

5 signs you need a financial therapist

So, how can you tell if financial therapy is right for you?

Chances are, almost anyone could benefit from professional coaching… but if these scenarios sound familiar, you might want to take finding professional help more seriously.

1. Your relationships are strained, and money’s always the reason. If you’re constantly fighting with your spouse (or other relatives or family members) about money matters, a financial therapist can help you find productive ways to navigate your relationships.

2. You’re depressed or anxious about your money in a way that’s impacting your wellbeing. While money can be a stressful topic for anyone from time to time, if it’s ruling your life, a therapist can help you find new behavioral patterns. Whether it’s the emotional toll of debt or the stress of saving a workable nest egg, a financial therapist can offer both mental and monetary tactics to help you tackle the problem.

3. You know the steps you need to take, but can’t quite seem to make them happen. Whether it’s balancing your budget or paying down debt, if you can’t make your behavior match your financial plan, a financial therapist could have the answer.

4. You find yourself lying about money and hiding your excessive or emotional spending. These kinds of behaviors can wreak havoc on your wallet, not to mention your relationships, and may be based in compulsion. A financial therapist can help you develop alternative relaxation tactics so you can overcome your emotional splurges without doing damage to your nest egg.

5. Thinking about your financial future is leading to unexpected emotions or creating family tension. As important as estate planning may be, it can also be a difficult and emotional experience. After all, it means thinking seriously about the reality of your own death. And divvying up your stuff can lead to difficult conversations, particularly if you have a blended family or strained relationships. A financial therapist can help you work through all that emotional baggage and offer helpful communication tactics.

Do you need a financial therapist and a financial advisor?

There’s no specific set of certifications or degrees a professional must have to be a member of the Financial Therapy Association — so each individual counselor is just that: an individual. He or she may lean more heavily toward one side of the professional aisle or the other, and finding the right fit could take some trial and error.

For instance, if you’re mostly concerned with the how-to part of financial advisement, like figuring out the difference between a Roth IRA and a traditional IRA or the best way to tackle credit card debt, a plain-old financial advisor can probably help you, but so could a financial therapist who works primarily as an advisor or wealth management professional.

On the other hand, if you’re really digging into the emotional side of your financial landscape, finding a financial therapist who is a mental health professional first can help you tackle those struggles, while also laying the framework for solid monetary planning and behavior down the line. A financial therapist who identifies more strongly with the clinical counselling part of their job title may also be able to help you in other aspects of your mental health, if you’re struggling with matters beyond your money.

The bottom line is, there’s no one approach that’s right for everyone — and, just like dating, you’ll definitely want to shop around. Whether you hire a financial therapist, a financial advisor or both, when you’re talking about people who are going to advise you on matters as important as your financial future, getting along well is key. It’s worth making several calls and sitting through a few introductory interviews to make sure you’ve found a good fit.

How to find a financial therapist

If financial therapy sounds like it might be a fit for you, there are some wonderful resources available from the Financial Therapy Association to help you find and hire a professional. For instance, it offers a great database of financial therapists that’s searchable by both name and state.

Of course, since it’s such a new field, financial therapists are relatively few and far between — and you may find there’s not one in your area. Several states on the list have zero names listed beneath them (so far, anyway).

Fortunately, the internet makes it possible to do financial therapy work at a distance, and many professionals do just that. If you find someone whose credentials, focus and basic methodologies you like, you can reach out to them directly to see if they’d be able to perform therapy via Skype or phone call. You can also check out the specific “at a distance” list available via the FTA database. The association also offers monthly online webinars and other educational tools to start the process on your own if you’re not quite ready to hire a professional.

The bottom line

Financial therapy can be a great way to help alleviate your anxieties and fears about financial matters, or to help you find ways to break money-related habits you just can’t seem to knock out on your own. And as with any type of therapy, seeking out professional help is anything but a sign of weakness. Money touches all of our lives and has a huge impact on our lifestyles, so it makes sense that it’s a wildly emotional topic. So if financial therapy sounds like it might be a fit for you, don’t be afraid or ashamed to reach out. If anything, recognizing you need help makes you that much stronger — and both your brain and your bank account will thank you for it.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Jamie Cattanach
Jamie Cattanach |

Jamie Cattanach is a writer at MagnifyMoney. You can email Jamie here

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9 Great Free Checking Accounts

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

free checking accounts
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The humble checking account may not offer rewards, cash back or many of the other perks offered by ritzy credit cards, but it remains the cornerstone of your financial life. Nobody likes paying monthly maintenance fees, so why not pick a free checking account that does away with them altogether?

Below, we’ve selected nine of the best free checking accounts (presented in no particular order) by scouring our database for products meeting the following criteria:

  • No monthly maintenance fee
  • A low initial deposit amount (between $0-$25) needed to open the account
  • No minimum daily balance requirement
  • Minimal third-party ATM fees
  • Available nationwide

Account Name

Minimum needed to open

APY

Consumers Credit Union (IL) Free Rewards Checking$05.09%
Simple Account$02.02%
Aspiration Spend and Save$102.00%
nbkc personal account$51.01%
Alliant Credit Union High-Yield Checking$5 (to become a member of this credit union, none for opening the account itself)0.65%
Discover Cashback Credit$0None, but customers receive 1% cash back each month on certain spending with a limit of $3,000
Ally Bank Interest Checking$00.60%
Evansville Teachers FCU Vertical Checking$30 ($25 if you're already a member of this credit union)3.30% (if you meet monthly requirements)
Bay State Savings Bank Kasasa Cash$02.01% (if you meet monthly requirements)

Great free checking accounts

Consumers Credit Union (IL) Free Rewards Checking

The Consumers Credit Union provides an online-only checking account to anyone in the nation who becomes a member. You can qualify for membership with a one-time $5 payment to Consumers Cooperative Association. Some of the perks of the Free Rewards Checking account include:

  • No monthly maintenance fee
  • No minimum balance required
  • Unlimited check writing
  • Unlimited ATM fee refunds

However you do have to meet some requirements in order to get all of the benefits of the account (including the high APY). The APY for this account is divided into three tiers, with the lowest earning 3.09% on balances up to $10,000, the middle 4.09% and the highest tier 5.09%. The requirements for each of these tiers are:

To earn 3.09%

  • Receive eStatements
  • Make at least 12 debit card purchases a month
  • Post direct deposits or ACH payments of at least $500 each month

To earn 4.09%

  • Meet all the requirements of the previous tier
  • Have a Consumers Credit Union Visa credit card and spend at least $500 a month on it

To earn 5.09%

  • Meet all the requirements of the previous tier
  • Spend at least $1,000 a month on your Consumers Credit Union Visa credit card

Keep in mind these high APYs only apply to balances up to $10,000. The portion of any balance between $10,000.01 and $25,000 earn 0.20% APY, and balances greater than $25,000 earn an APY of 0.10%.

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on Consumers Credit Union (IL)’s secure website

NCUA Insured

Simple Account

Simple is owned and backed by regional bank BBVA and offers customers a free checking account that’s intertwined with the app’s budgeting tools. Simple doesn’t charge any fees, meaning users enjoy:

  • No monthly maintenance fee
  • No minimum balance needed
  • No account closing fee
  • No stop payment fees
  • No debit card replacement fee
  • No ATM fee if using Simple’s network, but users can be charged a fee by other banks if using a non-network ATM

One fee you do have to pay is a foreign transaction fee when using your Simple card internationally, which can be up to 1% of the transaction.

If you maintain a balance of $0.01 or more, you can earn an APY of 2.02%.

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on Simple’s secure website

Aspiration Spend and Save Account

The recently rebranded Aspiration Spend and Save account is online-only and technically is a cash management account (according to the company), combining the high APY of a savings account with the accessibility of a traditional checking account. After paying an initial $10 to open this account, you gain access to a completely fee-free account — if that’s what you choose.

One of the most eye-catching (and marketable) aspects of this account is that Aspiration tells its customers they can pay whatever fees they wish, even if that amount is zero. The online bank does heavily advertise the fact that 10% of whatever fee customers pay them will be donated to charity.

Other benefits this account gives without any fees include:

  • Unlimited ATM fee reimbursement
  • $600 in cellphone damage insurance
  • Scheduled bill payments

Technically, the Spend and Save account operates as two separate linked accounts — a savings account, where your money earns an APY of 2.00% each month (provided you deposit at least $1 in the account), and a spend account you draw on with your Aspiration ATM card. Transfers of funds between the spending and saving sides of the account happen instantly and without any limitations, so it’s easy for customers to think of it as one product.

It’s important to note that the 2.00% APY only applies to funds in the save portion of the account, not the money you have in the spend portion (which earns no APY). But with the instant and limitless transactions you can make between the two sides, there’s no reason to leave money parked in the spend portion of the account that you aren’t planning to utilize in the short term.

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on Aspiration’s secure website

nbkc personal account

nbkc bank may be based in Kansas and Missouri, but customers anywhere in the nation can sign up for its personal account, which provides a whole bevy of benefits with only minimum fees — all while providing a very competitive APY.

Customers can open this free checking account with a $5 deposit, and so long as they maintain an average daily balance of $0.01, earn 1.01% APY. They also can use more than 32,000 ATMs without any fees, and nbkc will rebate up to $12 a month any non-network ATM fees customers accrue.

Account holders will have to pay a $5 fee to wire money domestically, and $45 if they are receiving or sending an international wire transfer.

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on nbkc bank’s secure website

Member FDIC

Alliant Credit Union High-Rate Checking

Alliant Credit Union offers a free checking account with a very decent yield and great features. You must become an Alliant member before opening an account, which anyone in the country can do by making a $10 donation to Foster Care to Success during your application process. However, there’s no minimum deposit needed to open this free checking account, no minimum daily balance and no monthly maintenance fee.

Alliant’s account also grants customers access to roughly 80,000 ATMs they can use without any fees. If you have to use an ATM outside of this network, Alliant will reimburse fees up to $20 each month.

Finally, this free checking account is called “high-rate” because it gives 0.65% APY—so long as you opt to receive electronic statements instead of paper statements, and make one electronic deposit into the account each month. Examples of deposits include:

  • Direct deposits
  • Payroll deposits
  • ATM deposits
  • Mobile deposits
  • Transfer from another financial institution

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on Alliant Credit Union’s secure website

NCUA Insured

Discover Cashback Debit

You might be more likely to think of credit cards when it comes to this brand, but Discover also functions as an FDIC-insured, online only bank that offers a suite of personal banking products including one of the best free checking accounts currently on the market. The Discover Cashback Debit account features a smorgasboard of perks and goodies for customers, including:

  • No monthly maintenance fees, minimum balance to open or minimum daily balance
  • A nationwide network of more than 60,000 ATMs customers can use fee-free
  • Free replacement debit cards
  • Free online bill pay

Living up to its name, the Cashback Debit account grants 1% cash back each month on qualifying spending up to $3,000. What kind of spending counts? Just about everything, with the exception of ATM transactions, the purchase of money orders, loan payments or account funding, and peer-to-peer transactions. In addition, some purchases made over a third-party app or service (such as Venmo) may not qualify.

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on Discover Bank’s secure website

Member FDIC

Ally Bank Interest Checking Account

The Ally Bank Interest Checking Account may not offer a high APY (unless you can maintain at least a $15,000 balance), but the free online banking, bill pay, and checks — both standard and cashier — along with no monthly maintenance fee, required minimum balance or minimum deposit to open make it a great option for customers looking for a free checking account.

While no minimum balance is required to earn 0.10% APY, customers can earn 0.60% if they maintain a daily balance of at least $15,000.

Customers can use any of the 55,000 ATMs in the Allpoint® network for free, and Ally will reimburse up to $10 of non-network ATM fees each billing cycle. Other fees to watch out for include:

  • $15 stop payment fee
  • $25 per-day maximum overdraft fee
  • $20 outgoing domestic wire fee

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on Ally Bank’s secure website

Member FDIC

Evansville Teachers Federal Credit Union Vertical Checking

Credit unions such as Evansville Teachers Federal Credit Union might not command the same name recognition as nationwide banks, but they can offer rates and services for customers that are every bit as competitive as the big banks. Don’t let the name of this credit union fool you—anyone can become a member if they open a $5 savings account, which then allows you to open a Vertical Checking account with a minimum balance of $25.

This free checking account doesn’t charge a monthly service fee or require you to maintain a minimum balance, and in return gives you an APY of as high as 3.30% on balances up to $20,000, provided you fulfill the below requirements:

  • Make at least 15 debit purchases each month
  • Make at least one direct deposit into the account each month
  • Login to your mobile or online banking at least once each month
  • Opt in to receive eStatements
  • In addition to the high APY, meeting these requirements entitles you to $15 a month for reimbursing third-party ATM fees.

In addition to the high APY, meeting these requirements entitles you to $15 a month for reimbursing third-party ATM fees.

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on Evansville Teachers Federal Credit Union’s secure website

NCUA Insured

Bay State Savings Bank Kasasa Cash

This free checking account offers one of the highest APY rates around — up to 2.01%, provided you meet some qualifications — and coupled with its minimal fees, make it a great option for customers looking for free checking.

There’s no minimum amount needed to open the free checking account and, like the other accounts on the list, you don’t need to maintain a minimum balance or pay a monthly maintenance fee. That’s already good news, but where this account really shines is when you fulfill the following criteria each month:

  • Have at least 12 PIN-based debit card purchases
  • Receive electronic statements
  • Enroll — and log in at least once per cycle — to online banking (which is free)

For every month you meet the above qualifications, your balance up to $20,000 earns 2.01% APY. The other big bonus you receive is unlimited refunds on ATM fees that you pay when using a machine out of the bank’s network. If you don’t meet the criteria, you still don’t pay any fees on your account. However, you earn a much lower APY and will have to pay fees on out-of-network ATMs.

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on Bay State Savings Bank’s secure website

Member FDIC

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

James Ellis
James Ellis |

James Ellis is a writer at MagnifyMoney. You can email James here