Account Access and Services
Checking Accounts From Nationwide Bank®
Online checking accounts provide the features, access and ease that your busy life demands. Managing your everyday banking needs has never been easier than it is with Nationwide Bank's online personal checking. Whether you want basic or interest-earning features, our convenient, easy-to-use online checking accounts give you access to:
- 24/7 banking everywhere you need it – online, over the phone, at the ATM and by mail
- America's largest surcharge-free ATM network
- Free online banking and bill payment
- Free Visa® debit card
- Free money transfers from your Nationwide Bank accounts with other banks
The right personal checking account for your needs
Direct Checking
A basic checking account with no minimum balance and no monthly checking fees. Learn more about our account features.
Interest Checking
An interest-bearing checking account with a free first order of checks and free online bill pay. Learn more about our rates and features.
Compare online checking accounts from Nationwide Bank
| Direct Checking | Interest Checking | |
|---|---|---|
| Best for you if | You need a basic checking account | You carry a larger balance and want to earn interest on your checking account |
| Interest? | No | Yes |
| Monthly maintenance fee | $5, which is waived if you choose direct deposit of at least $25 per month | $10, which is waived if your average daily balance is $3,000 or you have a $5,000 combined average daily balance with your Nationwide checking, savings or money market accounts* |
| Minimum balance to open an account | $50 | $50 |
| Online banking and online bill pay | Free | Free |
| ATM/debit card | Free Visa debit card | Free Visa debit card |
| ATM transactions |
4 free non-Nationwide Bank ATM transactions per month1* $1.50 per transaction thereafter |
6 free non-Nationwide Bank ATM transactions per month2* $1.50 per transaction thereafter |
| Statements | Free online statements; $2 paper statements | Free online and paper statements |
| Checks | Free first order | First order of checks: free wallet standard checks or 50% off on designer checks |
| Overdraft protection | Available with a linked savings account | Available with a linked savings account |
| FDIC insured3 | Yes | Yes |
| |
1 First four non-Nationwide Bank ATM transactions per statement cycle are free, but surcharges from ATM owner may apply.
2 First six non-Nationwide Bank ATM transactions per statement cycle are free, but surcharges from ATM owner may apply.
3 FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.
* Service fee on Interest Checking is waived for Nationwide Associates and Agents. Non-Nationwide ATM fee is $0 for Nationwide Agents and Associates with Direct Checking or Interest Checking, but ATM owner surcharges still apply.
