When reading offers for free checking accounts, make sure you understand all the terms and conditions and make certain the bank doesn’t require you do anything else with regards to the account for it to be free.  No monthly charges, no maintenance fees, no minimum activity or charges for each transaction.   Also check to see if there are any limitations on the free checking account such as the number transactions allowed.  Compare the free checking account with other transaction accounts to see which bank checking account or a combination of checking accounts and savings accounts serves your needs best before opening an account.

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