BankOn bank or credit union deposit accounts offer important consumer protections and everyday banking features.
Affordable account options with predictable costs. Some accounts have no monthly fees, while others offer ways to waive them.
Avoid costly overdraft and insufficient funds fees.
Get started affordably with low minimum deposit requirements.
Use a debit card, receive direct deposits, pay bills, and access everyday banking services.
Keep your money in an insured financial institution rather than relying on cash or costly alternative financial services.
Track spending, manage expenses, and work toward your savings goals.
Note: BankOn bank or credit union deposit accounts must meet established national requirements. Specific fees, features, eligibility, and account availability vary by financial institution.
Have never opened a checking account.
Have experienced overdraft fees or other banking difficulties.
Have been denied a bank account in the past.
Rely on check-cashing services, money orders, or prepaid products to manage everyday expenses.
Want an affordable account for direct deposit and bill payments.
Are looking for a fresh start toward greater financial stability.
At Credit.org, we believe access to banking and financial education are important building blocks of financial stability. Our nonprofit financial education and counseling services help consumers develop the knowledge and skills needed to make informed decisions about their money.
Learn how checking accounts work, what to look for, and how to recognize fees or account features that may affect your finances.
Understand your income and expenses, establish financial priorities, and create a spending plan that supports your everyday needs.
Explore ways to address past banking challenges, better understand account screening practices, and identify questions to ask before applying.
Develop money-management habits, learn strategies for saving, understand credit, and build greater financial confidence.
Note: BankOn bank or credit union deposit accounts must meet established national requirements. Specific fees, features, eligibility, and account availability vary by financial institution.
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
Estimated Monthly Payment Option
Interest Rate Range
Speak with a certified housing counselor to review your situation, questions, and next steps.
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Use the national BankOn account directory, select your state, and compare participating financial institutions. Check each institution’s account details and application instructions.
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Yes. Each participating financial institution sets its own identity-verification, eligibility, and account-opening requirements. Review those requirements before applying.
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Credit.org provides financial education and guidance to help you understand banking options and make informed decisions. Applications, eligibility determinations, and account opening are handled by the financial institution.
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Not necessarily. Some certified accounts have no monthly maintenance fee; others charge a low, predictable fee or offer ways to waive it. Review the account’s terms before opening it.
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