Just grab your phone, take a quick picture of your check, and boomgambling tips roulette 18 WHEEL OF STEEL AMERICAN LONG HAUL GAME ONLINE Bank X offers no fee X checking, a free online checking account with simple account management, mobile deposit, no penalties, and no overdraft fees. Account Opening and Usage, Minimum Deposit Needed to Open Account, $ Monthly. What's more, all these accounts have no minimum balance requirement. As you might guess, many of the banks with free checking are online. Minimum balance or qualifying direct deposit required for the $0 monthly fee Additional checking or savings accounts with no monthly maintenance fee.