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Open an Online Checking Account That's Right for You

Managing your everyday banking needs is easy with an online personal checking account from Nationwide Bank®. Learn more about our e-checking features, checking account rates and how to open a bank account online below. 

With an e-checking account from Nationwide Bank, you can:

Online E-Checking Account from Nationwide

Start with a higher interest rate – almost triple what other banks offer.1 Then, avoid service fees when you sign up for direct deposit and make debit card purchases eight times a month. You can also enjoy the convenience of paperless statements (e-statements) delivered right to your email inbox.


E-Checking features

With E-Checking, you can avoid monthly bank fees and earn interest on your money.

Sign up for a bank account online today and enjoy:

How to apply for an online checking account

You must be 18 years or older to open an E-Checking account.

Nationwide Bank has a quick and secure online application to make it easy to open a checking account online. Before beginning your application, gather this basic information about yourself.

Personal Information
Contact Information
Financial Information
  • Date of birth
  • Social Security number
  • Valid driver's license or state or military ID
  • Current address (No P.O. boxes)
  • Previous address if you've been at your current home less than 2 years
  • Email address
  • Routing and account number of the bank you are using to fund your account
  • $50 minimum opening balance

Be sure to sign up for direct deposit so you can avoid monthly service fees.

If you are opening a checking account with another person, you will need to have that person’s ID and residence information, too.

You can use our online application to open an individual or joint account with Right of Survivorship and with up to three co-signers. You'll need to fund your account with an initial deposit that you can electronically transfer from another personal bank account or send by check.

Checking account FAQs

Can I pay bills online with the E-Checking account?

Yes, just sign up for online bill pay. It’s free.

How do I deposit money with Nationwide Bank?

Nationwide Bank has more than 77,000 surcharge-free ATMs. Use our ATM locator to find one near you that accepts deposits.

You can also transfer funds to the account electronically, deposit a check using our mobile banking app for your smartphone, or send us a check by mail at:

Nationwide Bank
P.O. Box 182049
Columbus, OH 43218-2049

How do I avoid the monthly service fee?

There are two ways to avoid the monthly service fee:

  1. Sign up for at least 1 direct deposit each month and make debit card purchases 8 times each month or
  2. Keep a combined total of $10,000 or more in your Nationwide Bank deposit accounts, which includes checking, savings or money market accounts

What ATMs can I use with my account?

Your Nationwide Bank ATM/debit card gives you access to more than 77,000 surcharge-free ATMs within the Allpoint, PNC Bank, Alliance One and MoneyPass ATM networks.2 Find an ATM near you.

Can I get overdraft protection for this checking account?

Yes, you can use one or more linked savings accounts to cover overdrafts on your E-Checking account.

Are checks included with the account?

No, but checks can be ordered separately at a cost.

Do any of your accounts include a free debit card?

Yes, all of our checking accounts include a Visa® debit card with no monthly service fee.

Do any of your accounts have funds transfer?

Yes, all of our checking, savings and money market accounts include money transfer services. You can use this free service to transfer funds between your Nationwide Bank accounts and your accounts with other banks. To find out how it works, watch our demo.

Can I use my debit card while traveling abroad?

Please notify Nationwide Bank before you travel abroad to temporarily authorize your card where allowed by law. (Certain restrictions may apply.) To combat an increase in international counterfeit credit cards, Nationwide Bank has blocked use of our checking Visa debit card and ATM cards in Cuba, Iran, Myanmar and Sudan.

My debit card is getting ready to expire. Is it still valid? When will I receive a new one?

Your card is valid through the end of the expiration month listed on the card. For example, a card that expires June 2020 is valid through June 30, 2020. Your new card will be sent to you within the last two weeks of the expiration month.

Check 21
To make check processing more efficient, a federal law commonly known as Check 21 was enacted in 2004 that permits banks to process checks electronically. With Check 21, a digital image of the original check is produced and the image is routed through the check clearing system. That digital image – or a printed copy of that digital image – is called a substitute check, which is considered a legal copy of the original check and may be used as proof of payment.

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