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8 Best Free Business Checking Accounts for 2022

Finding a free business checking account that meets all of your business banking needs can be a challenge, and most of the truly fee-free accounts are hosted by online-only banks. To best represent the varying banking needs of small businesses, when compiling this list, we also considered traditional business bank accounts that have low and easy-to-waive fees.

To help you in your search, we’ve selected the eight best free business checking accounts:

  • BlueVine: Best overall for free business checking
  • Chase: Best free business checking with a traditional bank
  • Mercury: Best for digitally based businesses
  • Bank of America: Best for businesses with larger monthly cash deposits
  • Capital One: Best for a traditional bank with unlimited transactions
  • U.S. Bank: Best for freelancers and businesses with minimal monthly transactions
  • First Internet Bank: Best for earning interest on multiple account types
  • Novo: Best for free international ATM usage

If you’re unsure about how to select the best account for your needs, check out our article on how to open a business bank account.

BlueVine: Best Overall for Free Business Checking


BlueVine Logo

What We Like

  • No monthly fee
  • No transaction fees
  • 0.60% annual percentage yield (APY) on balances up to $100,000

What's Missing

  • Limited ability to make cash deposits
  • No branch locations
  • No other business deposit accounts

Additional Features

  • Free debit card
  • Integrates with accounting software like QuickBooks Online, Wave, and FreshBooks
  • Connects with business payment solutions, including Stripe, PayPal, and Expensify
  • Live customer support from dedicated professionals
  • Various lending products available

Visit BlueVine

BlueVine is an online-only business banking platform. It includes one of the nation’s highest-yield business checking accounts―0.60% APY on balances up to $100,000―with no monthly fees, penalties, or minimum balance to maintain. While it doesn’t have any physical branches, you can withdraw cash for free from 38,000 in-network MoneyPass ATMs, deposit checks via the mobile app, and deposit cash at over 90,000 Green Dot retail locations for a $4.95 fee.

Who it’s best for: BlueVine’s business checking is best for business owners who don’t need physical branch locations, have little to no cash deposits, and want to earn interest on their account balances.

Fees & Terms

  • Monthly fee: None
  • Transaction fee: None—offers unlimited transactions
  • ATM fee: No fees at more than 38,000 ATM locations nationwide
  • Minimum initial deposit: None
  • Minimum balance requirement: None
  • APY: 0.60% on balances up to $100,000

Why We Like It

With a BlueVine business checking account, you get an account that offers unlimited free transactions, pays a healthy interest rate on your account balance and doesn’t charge a monthly maintenance fee. Its dynamic banking platform includes online and mobile banking and provides integration with major accounting software like Wave, FreshBooks, and QuickBooks.

Chase Bank: Best Free Business Checking With a Traditional Bank

Chase Bank

CHASE Bank Logo

What We Like

  • $300 cash bonus
  • Easy-to-waive monthly fees
  • $0 opening deposit

What's Missing

  • Limited to only 20 free transactions per month
  • Charges a fee for cash deposits over $5,000 per month
  • Does not refund third-party ATM fees

Additional Features

  • Integrates with leading accounting software like QuickBooks
  • Allows small business owners to place controls on business debit, deposit, and ATM cards so that only certain employees can access ATMs or make purchases
  • Provides a mobile app that lets business owners deposit checks, view their account balances, pay bills, and make transfers
  • Offers several business credit cards

Visit Chase

Chase offers three different business checking accounts. Of the three options, Chase Business Show me the nearest capital one bank Checking℠ is best suited to small business owners, based on the number of transactions and the number of cash deposits that it allows. This account isn’t entirely free, but Chase offers multiple ways to waive the monthly service fee and gives you convenient access to your account via the mobile app. We ranked Chase as the best overall bank for small businesses.

Who it’s best for: A Chase Business Complete Checking account is best for business owners that prefer working with a traditional bank and are looking to build a local banking relationship.

Fees & Terms

Note: These are the fees & terms for the Chase Business Complete Checking℠ account only.

  • Monthly fee: $15—waived if you meet one of the following criteria:
    • Maintain a minimum daily balance of $2,000
    • Spend at least $2,000 in purchases―minus returns or refunds―using your Chase Ink® Business Card
    • Deposit $2,000 into your Chase checking account from your QuickAccept℠ and/or other eligible Chase Merchant Services transactions at least one business day before the last day of your bank account statement period
    • Maintain a linked Chase Private Client Checking℠ account
  • Transaction fee: First 20 free, then 40 cents per transaction
  • Cash deposit fee: No fee for first $5,000 per statement cycle then $2.50 per $1,000 thereafter
  • ATM fee: $2.50 per transaction at any non-Chase ATM, plus ATM operator fees
  • Minimum deposit: None
  • Minimum balance: None

Why We Like It

Unlike some of the other accounts on our list, the Chase Business Complete Checking account does charge a monthly maintenance fee; however, there are several ways to have the fee waived. For small businesses that have minimal monthly banking transactions, this account can be fee-free. The benefit of banking with Chase lies in the nearly 5,000 branches and 16,000 ATMs nationwide that make it easy to find a Chase branch near you. For those that prefer to conduct their banking transactions in person or require other services provided by a brick-and-mortar bank, Chase is a great choice for your business banking needs.

Mercury: Best for Digitally Based Businesses


Mercury - Main

What We Like

  • No minimum deposit to open an account
  • Physical and virtual debit cards
  • Access multiple business entities with a single sign-on

What's Missing

  • Accounts not available to sole proprietorships
  • Lacks paper check writing abilities
  • Accounts do not earn interest

Additional Features

  • Set custom user permissions for your team members
  • Create auto-transfer rules for your accounts
  • Fully integrates with QuickBooks and Xero accounting software

Visit Mercury

Mercury is a fully online banking platform geared toward internet-based businesses. Its checking account is entirely fee-free—even domestic and international wire transfers are free. With Mercury’s extensive mobile and desktop applications, you can customize permissions on your accounts, request physical and virtual debit cards for your team, and set up customized account automations easily. Mercury seamlessly integrates with major accounting software to simplify your bookkeeping experiences. To be eligible for a Mercury account, your business must be incorporated in the United States—Mercury is unable to provide accounts for sole proprietorships.

Who it’s best for: A business checking account through Mercury is best for those that conduct their business entirely online and infrequently need to write checks from their account.

Fees & Terms

  • Monthly fee: None
  • Transaction fee: None
  • Cash deposit fee: N/A—Bank doesn’t accept cash deposits
  • ATM fee: No charge for out-of-network ATMs, although operator fees apply—free access to Allpoint ATM network (55,000 locations worldwide)
  • Minimum deposit: None
  • Minimum balance: None

Why We Like It

Mercury’s entirely fee-free banking experience is a significant advantage, but what makes this bank stand out from others on our list is that customers that own multiple businesses can access their various accounts through a single sign-on (SSO). You can toggle between your business entities easily with the click of your mouse. Custom user permissions allow you to grant varying levels of access to your bookkeeper, employees, and partners. Being a Mercury customer grants you access to a variety of perks and rewards that include discounts on various software, insurance, and financial consulting.

Bank of America: Best for Businesses That Make Larger Cash Deposits

Bank of America

Bank of America logo

What We Like

  • 200 free monthly transactions
  • $7,500 in free cash deposits per month
  • Ongoing rewards

What's Missing

  • Charges a monthly maintenance fee
  • Does not refund third-party ATM fees
  • Requires a $100 opening deposit

Additional Features

  • Monitor, a cash flow management tool that allows you to connect show me the nearest capital one bank, analytics, and payroll business apps to help you make smarter business decisions
  • Mobile app for depositing checks, viewing accounts, making transfers, and paying bills
  • Add on additional services, including credit card processing and payroll services through ADP
  • Offers five small business credit cards

Visit Bank of America

Bank of America offers a single business checking account with two distinct settings: the Business Advantage FundamentalsSM Banking setting and the Business Advantage Relationship Banking setting. Based on your business needs, you can select from one setting or the other. The Fundamentals setting allows you access to Bank of America’s artificial intelligence (AI)-driven virtual financial assistant Erica, Cash Flow Monitor®, and Zelle®, an app to send and receive money. The Relationship setting provides access to all the tools provided with the Fundamentals setting plus QuickBooks integration, additional checking and savings accounts, and no fees for incoming wires, stop payments, electronic deposits, and more.

Who it’s best for: A business checking with Bank of America is best for owners that need the ability to make large monthly cash deposits—up to $7,500 fee-free with a Fundamentals account or up to $20,000 fee-free with a Relationship account.

Fees & Terms

  • Monthly fee:
    • FundamentalsSM account setting: $16—waived if you meet one of the following criteria during each checking statement cycle:
      • Spend $250 on new net purchases with your Bank of America business debit, credit card, or charge card
      • Maintain a $5,000 combined average monthly balance
      • Become a member of Preferred Rewards for Business—first four checking accounts per enrolled business
  • Relationship setting: $29.95 waived if you maintain a $15,000 combined average monthly balance
  • Transaction fee: No fee for the first 200 transactions monthly, then 45 cents per item thereafter
    • No excess transaction fee for automated clearing house (ACH), debit card transactions, online bill pay, electronic debits, and checks deposited through remote deposit online
  • Cash deposit fee:
    • FundamentalsSM account setting—deposit up to $7,500 with no cash deposit processing fee, then 30 cents per $100 per statement cycle
    • Relationship account setting—deposit the first $20,000 with no cash deposit processing fee, then 30 cents per $100 per statement cycle
  • ATM fee: Free access to more than 16,000 ATMs nationwide—$2.50 per transaction on out-of-network ATMs
  • Minimum deposit: $100
  • Minimum balance: None

Why We Like It

It can be difficult to find a free small business checking account that allows you to make significant monthly cash deposits. While there’s a small monthly maintenance fee associated with this account, there are many ways to have the fee waived. If your business handles substantial amounts of cash, a Bank of America business checking account is a great choice.

Capital One: Best for Unlimited Transactions

Capital One

Capital One

What We Like

  • Unlimited transactions
  • Integrates with top accounting software
  • Easy-to-waive monthly fee

What's Missing

  • Requires a $250 opening deposit
  • Must visit a branch to open an account
  • Account does not pay interest

Additional Features

  • Integration with top accounting software like Xero
  • A mobile app business owners can use to pay bills, track accounts, make transfers, and deposit checks
  • Several Capital One business credit cards

Visit Capital One

Note: Capital One currently requires a branch visit to complete an application.

Capital One’s Spark Business Basic Checking is a simple, straightforward business checking account that offers unlimited monthly transactions. It’s easy to avoid the monthly service fee on this account, thanks to its low minimum average balance requirement.

Who it’s best for: Because of the need to visit a branch to open an account, a Capital One Spark Business Basic Checking account is best for businesses that are located near a Capital One branch and that process a high volume of transactions monthly.

Fees & Terms

  • Monthly service fee: $15—waived if you maintain a $2,000 minimum 30- or 90-day average balance or have two other Capital One accounts
  • Transaction fee: Unlimited free transactions
  • Cash deposit fee: Up to $5,000 per month free—$1 for every $1,000 after that
  • ATM fee: None at more than 39,000 Allpoint ATMs key online banking com deposit: $250
  • Minimum balance: None to maintain the account

Why We Like It

Capital One’s Spark Business Basic Checking is one of the few checking accounts provided by a traditional bank that offers unlimited everyday banking transactions—meaning unlimited deposits, withdrawals, and transfers. Additionally, having a Bank of America business checking account allows you to take advantage of Bank of America’s Preferred Rewards for Business program which gives you access to a 25% to 75% rewards bonus on credit cards, a 5% to 20% interest rate boost on savings accounts, interest rate discounts on lines of credit and other loans, and numerous other perks.

U.S. Bank: Best for Freelancers & Businesses With Minimal Monthly Transactions

U.S. Bank

US bank

What We Like

  • No monthly fee
  • 125 free monthly transactions
  • 25 free cash deposits per month

What's Missing

  • Account does not earn interest
  • All electronic and physical transactions count towards transaction limits
  • Cash deposit fee after $2,500 per month on Silver account

Additional Features

  • Zelle® to send and receive show me the nearest capital one bank invoicing and payment systems integrated into your online dashboard
  • Mobile app to monitor all of your accounts, transfer funds between accounts, and deposit checks online
  • Easy integration with overdraft protection or credit card processing services for your business
  • Five small business credit cards

Visit U.S. Bank

U.S. Bank offers two business checking accounts suitable for small businesses: a Silver account and a Gold account—though the Gold account does charge a waivable monthly fee. The Silver account allows 125 free transactions per month and the Gold account allows 300 free transactions per month. U.S. Bank also offers a Platinum account for mature businesses with a high number of transactions and large cash deposits, a specialty account for non-profit businesses, and a premium account for those with complex banking needs.

Who it’s best for: A U.S. Bank Silver business checking account is best for small businesses that only need a basic business checking account, have small cash deposit needs, and that have limited monthly transactions.

Fees & Terms

U.S. Bank’s Silver account:

  • Monthly fee: None
  • Transaction fee: 50 cents per transaction after the first 125 transactions in a month
  • Cash deposit fee: None on the first $2,500 in cash deposits each month
  • ATM fee: No charge for out-of-network ATMs, although operator fees apply—free access to more than 3,200 ATMs nationwide and free withdrawals from 25,000-plus MoneyPass ATMs
  • Minimum deposit: None
  • Minimum balance: None

U.S. Bank’s Gold account:

  • Monthly fee: $20, waivable if you meet minimum requirements
  • Transaction fee: 45 cents per transaction after the first 300 transactions in a month
  • Cash deposit fee: None on the first $10,000 in cash deposits each month
  • ATM fee: No charge for out-of-network ATMs, although operator fees apply—free access to more than 3,200 ATMs nationwide and free withdrawals from 25,000-plus MoneyPass ATMs
  • Minimum deposit: None
  • Minimum balance: None

Why We Like It

While the Silver business checking account is a basic business checking account, one of the advantages of banking with U.S. Bank is that you can transition to another account type, such as Gold or Platinum, easily as your business scales and your banking needs evolve. This is a significant advantage over other banks on this list, as many of the banks listed here only offer one standard business checking account.

First Internet Bank: Best for Earning Interest on Multiple Account Types

First Internet Bank

First Internet Bank

What We Like

  • Fee-free bankingx
  • Fee-free banking Up to $10 refund for third-party ATM fees
  • Other interest-bearing business accounts available

What's Missing

  • No physical branches
  • Average balance of $10,000 required to earn APY
  • No cash deposit functionality

Additional Features

  • First Internet Bank debit card
  • Other business bank accounts available, including savings, money markets, and certificate of deposits (CDs)—ranked as one of the best business savings accounts

Visit First Internet Bank

First Internet Bank is a fully online bank with no branches, kiosks, or ATMs. Even though it has no physical locations, it offers all the products and services that a traditional bank provides. Its business checking account has a number of attractive features: no minimum balance, no monthly service fee, and unlimited transactions. Both its online banking and the mobile app are highly rated, feature-rich, and easy to use.

Who it’s best for: A business checking account with First Internet Bank is a sound choice for small business owners that are interested in expanding their banking relationship to include additional business savings accounts.

Fees & Terms

  • Monthly fee: None
  • Transaction Fee: None—offers unlimited transactions
  • ATM fee: None—reimburses up to $10 per month in ATM fees
  • Minimum deposit: $100
  • Minimum balance: None
  • Ongoing APY: 0.30% on balances of $10,000 or more

Why We Like It

First Internet Bank is only one of two banks on this list to offer a business checking account that yields a competitive interest rate: 0.30% APY if you maintain an average daily balance of $10,000. In addition to its business checking account, First Internet Bank offers business savings and business certificates of deposit (CDs) with better-than-average rates, plus a full range of loan products.

Novo: Best for Free International ATM Usage



What We Like

  • Refunds all ATM fees
  • No monthly fee
  • Unlimited free transactions

What's Missing

  • No physical branches
  • Difficult to deposit cash
  • Account does not earn interest

Additional Features

  • Integrates with POS software and other business tools, including QuickBooks, Slack, Xero, Stripe, Wise, and Shopify
  • Free business debit card
  • Check deposits directly through the mobile app

Visit Novo Bank

Novo is an online-only banking platform created solely for business owners. Its business checking account is entirely fee-free, allowing you to eliminate the hassle of worrying about transaction limitations or meeting specific balance requirements. While Novo isn’t part of an ATM network, it reimburses you for all ATM fees—both domestic and international—at the end of each month.

Who it’s best for: A business bank account with Novo is an excellent choice for small business owners that are always on the go and can appreciate the fact that this bank offers free international ATM usage.

Fees & Terms

  • Monthly fee: None
  • Transaction fee: None
  • Cash deposit fee: None—cash deposited through United States Postal Service (USPS) money orders
  • ATM fee: Refunds all ATM fees
  • ACH fee: None
  • Minimum deposit: None
  • Minimum balance: None

Why We Like It

Free ATM usage isn’t the only advantage of a Novo business checking account. Since it doesn’t require a deposit to open an account, you can apply for your business checking account as you’re starting up your business. Additionally, banking with Novo also gives you access to discounts on licenses and packages for business services, including Gusto, Zendesk, HubSpot, and Salesforce to help you get your business off the ground.

How We Evaluated the Best Free Business Checking Accounts

All of our choices for the best free business checking accounts either don’t charge monthly fees or offer ways to waive the monthly fee easily by meeting minimum requirements. We also took into consideration the ability to form long-term financial relationships with each bank based on other products and services they offer, the number show me the nearest capital one bank physical branch locations/ATMs, and online account management.

Bottom Line

It can be difficult to find a free business checking account, and many of the banks we’ve presented do have fees show me the nearest capital one bank offer ways to waive those charges by maintaining a certain minimum balance or abiding by transaction limits. When selecting the best free business checking account for your business, take the time to ensure that the account and the bank will meet all of your business needs.


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By Hugo Dante, Veronica Carrion and Tyler Mondres
ABA Viewpoint

Ensuring that everyone in the country has access to financial services remains a top priority for the banking industry. A recent NPR story highlighted the number of bank branch closures in 2020, and raised the ominous specter of bank deserts popping up across the country, especially in lower-income, rural and at-risk communities. A closer look at the data, however, paints a much different picture of Americans’ access to banking services.

According to the FDIC, there are more than 85,000 bank branches in the country today. Last year, S&P reports that roughly 3,400 branches closed, and more than 1000 new branches opened. There are many reasons for branch closures including industry consolidation, lack of demand and (perhaps most significantly) the growing use of mobile and online banking which has only increased during the pandemic.

The key questions the NPR story failed to ask are where are the closures taking place and do people in those communities still have access to banking services? A closer look at the data would have revealed that most branch closures in the U.S. have occurred in upper- and middle-income neighborhoods and saturated urban markets. In addition, while branches remain important to many Americans, focusing solely on physical proximity to a branch undervalues the growing adoption of popular digital channels by Americans of all backgrounds. Had NPR reached out to ABA for this story, we could have shared the data that highlight this reality.

Ensuring that everyone in the country has access to banking services is an issue ABA and our members take very seriously. Promoting financial inclusion is good for our industry and the country, and there is more work for banks of all sizes to do in this effort. We need to start with the same set of facts, however.

While it’s certainly possible to find communities in the country without a bank branch nearby, the data clearly show they are the exception—not the rule. At the same time, bank investments in new technologies are allowing for access to accounts wherever customers are.

Banking services are accessible to nearly all Americans

Figure 1. Click image to enlarge.

The vast majority of U.S. households live in close proximity to a wide selection of bank branches—with the average American living within commuting distance of 25 branch locations. (We define commuting distance as being within a two-mile radius of the geographic center of urban census tracts and within a 10-mile radius of rural or mixed census tracts. See figure 1.) Residents of low-income neighborhoods actually have the highest share of nearby bank branches. The typical resident of a low-income census tract resides within two miles of 17 bank branches and within 10 miles of 276 branch locations. This trend persists across urban, rural and suburban geographies. Low-income and upper-income neighborhoods are close to slightly more branches than moderate- and middle-income neighborhoods (which themselves remain well served with proportionally similar access).

Analyzing branch proximity across racial and ethnic groups reveals similar results. On average, Hispanic and Black Americans are within commuting distance of 23 and 21 bank branches respectively, White Americans are near 26, and Asian Americans are near 36. While there is some variability across demographic groups, Americans of every background, across every income level, and neighborhood type, live in close proximity to a wide selection of bank branches.

Despite this, a small population of Americans live in so-called banking deserts. Almost all banking deserts are found in extremely rural areas with exceptionally low population densities. The median banking desert contains only 7.6 people per square mile. While some vulnerable households reside in banking deserts, they constitute a small and un-representative share of the U.S. population. Banking deserts are 80 percent white and mostly upper- or middle-income. They represent 0.3 percent of the population residing in low-income neighborhoods, 0.7 percent of Black Americans, 0.2 percent of Asian Americans, and 1.2 percent of Hispanic Americans. The banking industry recognizes the importance of ensuring continued service and expanding access in extremely rural areas. Targeted investments in internet infrastructure is one practical solution to help expand access to financial services for the most rural areas in the U.S.

Digital channels promise to expand banking access

Technological innovation has also rapidly transformed the way Americans bank. Today, Americans increasingly rely on digital channels to access banking services. More than a third (34 percent) of American households used mobile channels as their primary method of accessing bank accounts in 2019, according to the FDIC, up 18.4 percentage points from 2017, with the largest gains in adoption of mobile banking among Black, Asian, and Hispanic Americans. Given continued focused investment in expanding broadband access across the U.S., digital banking presents a promising avenue for further bridging the financial divide.

Customers recognize and appreciate bank investments in improving digital access. Nearly all bank customers (99 percent) ranked their bank’s online and mobile experience as “excellent,” “very good,” or “good,” according to a Morning Consult survey in March on behalf of the ABA. Eighty-four percent of Americans strongly or somewhat agree that innovation and technology improvements by banks are making it easier for all Americans to access financial services. Given the growth of digital and online tools, 91 percent of Americans surveyed said that overall access to banking services today is “good,” “very good,” or “excellent.”

Don’t confuse branch closures with bank access

Figure 2. Click image to enlarge.

While banks have begun to shift branch strategies to face technological, economic and demographic changes, they have not come at the expense of access for customers. For example, while branch closures have outpaced branch openings over the past several years, they have largely been concentrated in saturated, upper- and middle-income (primarily urban) markets where branch access is widespread (see figure 2). More than three-quarters (76 percent) of bank branch closings have occurred in middle- show me the nearest capital one bank upper-income census tracts, and nearly 94 percent have been in urban or suburban areas. From show me the nearest capital one bank to 2020, the average closed bank branch had 18 branches operating within a two-mile radius and 159 branches within a 10-mile radius.

Fewer closures take place in low-income and rural census tracts. Low-income branch closings, for instance, represent only 5 percent of all closures since 2013 and only 0.5 percent of these have occurred in rural areas. In fact, 99 percent of all low-income census tracts are within commuting distance of a branch and, between 2013 and 2020, only five bank branches closed in rural, low-income census tracts.

Most Americans have access to banking services, but more than 7 million households are completely unbanked, according to the FDIC. Although this is the lowest level of unbanked, at 5.4 percent, measured since the first report in 2009, ABA believes that figure is still too high. America’s banks have several initiatives underway to reduce the number unbanked in the country.

Some policymakers have voiced concerns about the number of unbanked households that turn to more costly alternative financial service providers to meet their needs. Alternative providers are disproportionately located in low-income neighborhoods and communities of color, according to a paper from the Urban Institute and Fannie Mae Foundation. However, these “neighborhoods often contain both banks and alternative providers, casting doubt on the [hypothesis]that alternative providers fill a supply vacuum.” Moreover, banks are often close by alternative providers (no more than seven city blocks away, according to the paper), which suggests that unbanked consumers have physical access to banks but are turning to alternate providers for other reasons.

Unbanked households cited a number of reasons for not having a bank account in 2019, including both structural and motivational barriers. The most common reason (48.9 percent) was having too little funds to meet the minimum balance requirement and more than a third reported that they either do not trust banks (36.3 percent), avoid banks for privacy reasons (36.0 percent) or think account fees are excessive (34.2 percent).

To expand access to banking services, ABA has joined forces with the Cities for Financial Empowerment Fund to encourage more financial institutions to join the Bank On initiative. Bank On certified accounts are designed to address the structural challenges facing unbanked households with features including low costs, online bill pay, no overdraft fees, and transaction capabilities such as a debit or prepaid cards. In its 2019 Bank On National Data Hub report, the St. Louis Fed noted that “the demand and use of Bank On accounts is strong and continues to grow,” with more than 3.4 million accounts opened to date across just 10 reporting institutions. Early findings indicate the initiative has already made headway reaching unbanked households, as 75 percent of Bank On accounts have been opened by new customers.

Figure 3. Click image to enlarge.

More than half of unbanked households (56.2 percent) reported that they were not at all interested in having bank accounts, according to the FDIC. While Bank On accounts address many of the structural challenges cited by unbanked households, focused messaging and outreach can help address motivational challenges. The CFE Fund conducted focus groups and surveys to identify messages that resonate the most with unbanked populations and found that tailored messaging and education can help move the needle (see figure 3).

While respondents tended to have negative perceptions about banks, two-thirds became interested in getting an account after learning how one can help them increase savings, pay down debt, and build emergency funds. After exposure to tailored messaging, the report found favorability towards banks show me the nearest capital one bank by 17 percentage points, interest in learning about banks by 11 points and intent to get a bank account by 14 points.

America’s banks believe everyone should have access to the banking system and the safety, convenience, and other benefits that come with deposit accounts and are actively making strides to reach those outside the traditional banking system. When safe, affordable and accessible financial products and services are readily available, families, communities and the economy can prosper.

Hugo Dante is an economic research specialist at ABA, Veronica Carrion is an economic research associate at ABA and Tyler Mondres is director of economic research at ABA.

ABA Viewpoint is the source for analysis, commentary and perspective from the American Bankers Association on the policy issues shaping banking today and into the future. Click here to view all posts in this series.

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NMLS Consumer Access

California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868.

Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).

Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Credit Karma, LLC. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services.


Find a ATM or Branch Near You

ICICI Bank Network

Bank 24/7 through a widespread network of our ICICI Bank ATMs and branches. To help you find the nearest ICICI Bank branch or ATM, here is an easy to use map based interface. You can also search for a specific branch based on the facilities available.


Click here for Touch Banking Branch Details (Open 24 Hours)

Click here for branches with Cash Deposit Machine.

Click here to locate Loan Servicing Branches.

Click here to locate Insta Banking Kiosk Branches.

Click here for Branches with Locker services.

Click here for branches doing Aadhaar enrolment/update.

Click here to find the IFSC Code.

Important Notices

1) Our branches are operational with all due COVID precautions to provide you with uninterrupted services. We would like to keep you informed that some of the Branches (in COVID impacted areas) are functioning with changed timings, from 10:00 a.m. to 2:00 p.m. While all our services are functional, in certain cases there could be a delay, as we are operating with lesser staff. Please confirm the timing with the Branch before visiting. Visit only if essential, and cannot be avoided.
We would encourage you to access our digital platforms for a range of services. Stay Safe & Stay Indoors.

2) As per guidelines issued by Reserve Bank of India, ICICI Bank Branches will not be operational on 2nd and 4th Saturdays of the month, w.e.f September 1st 2015. Customers are requested to schedule transactions accordingly.


: Show me the nearest capital one bank

Show me the nearest capital one bank
Show me the nearest capital one bank
show me the nearest capital one bank

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