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Bank On Certified Accounts and Features

Features of Bank On certified checking accounts

All checking accounts indicated below offer:

  • No overdraft or non-sufficient fund (NSF) fees
  • No inactivity, dormancy, early closure, or activation fees.
  • Monthly fee of $10 or less. $5 or less if not waivable
  • Low minimum opening deposit of $25 or less
  • Checkless Checking (no written checks)
  • Free Debit Card
  • Free Online Banking
  • Free Online Bill Pay
  • Remote/Online Opening Available
  • Free In-Network ATM Access (see financial institution websites for ATM locations)

Click here to see the full list of core features Bank On certified accounts across the nation must have.

See Below for Charts with Information About:

  1. Account Features
  2. ATM and Language Access
  3. Alternative Identification Accepted

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Last Updated: March 15, 2024

All information below has been provided by the financial institutions listed. If you are a participating institution with a Bank On certified checking account listed below and your information has changed or needs to be updated please contact Vanessa Arballo, Bank On Program Manager, at [email protected].

Account Features

Name Checking Account Monthly Fee Minimum Opening Deposit Free Mobile Deposit Minimum Age Other Membership Requirements Only Deny for past incidences of actual fraud
Bank of America Advantage SafeBalance Banking Account $4.95 (waived, if under age 25) $25 Yes

16

13 with parent/guardian

No No (contact institution for more details)
BMO Smart Money $5.00 (waived, if under age 25) $25 Yes

18

13 with parent/guardian

No Yes 
Chase Chase Secure Banking $4.95 $0 Yes

18

No No (contact institution for more details)
First Convenience Bank eAccount $5.00 $0 Yes 16 No Depends (contact institution for more details)
First National 1870/ Sunflower Achievement Checking $5.00 $25 Yes 18 No Depends (contact institution for more details)
New Mexico Bank & Trust, a division of HTLF Bank Check Free Banking $5.00 $25 Yes

18

No Depends (contact institution for more details)
Nusenda Credit Union Breeze Account $5.00 (waived, if under age 21) $25 Yes

18

15 with an adult guarantor

No No (contact institution for more details)
PNC Foundation Checking $5.00 ( waived for ages 62 and older) $0 Yes   No Yes
Rio Grande Credit Union Fresh Start Checking $5.00 $25 No 18 No Yes
U.S Bank Safe Debit Account $4.95 $25 Yes 18 No Yes
U.S. Eagle Federal Credit Union FlexChecking $3.00 $25 Yes 18 Yes (visit their website for details) Yes
Wells Fargo Clear Access Banking $5.00 (waived for primary account owners 13-24 yrs old) $25 Yes

17

13-16 with adult co-owner

No Yes

ATM and Language Access

Name ATM Languages Website Languages Branch Languages (call and confirm by branch location) Out of Network ATMs / Fee
Bank of America English, Spanish, Chinese, Korean, Russian, Portuguese English, Spanish English, Spanish Yes / $2.50 Fee
BMO English, Spanish English English, Spanish (depending on location) Yes / $3.00 Fee
Chase English, Spanish, Chinese, French, German, Greek, Italian, Japanese, Korean, Polish, Portuguese, Russian, Tagalog, Vietnamese English, Spanish English, Spanish Yes / $2.50 Fee
First Convenience Bank English, Spanish English, Spanish English, Spanish

Yes / $2.50 Fee

First National 1870/ Sunflower English, Spanish English, Spanish English, Spanish

Yes / $3.00 Fee

New Mexico Bank & Trust, a division of HTLF Bank English, Spanish English English, Spanish (depending on location) Yes / $3.50 Fee
Nusenda Credit Union English, Spanish English English, Spanish Yes / $1.50 Fee
PNC English, Spanish English English, Spanish (depending on location)

Yes / $3.00 Fee

Rio Grande Credit Union English, Spanish at many machines English, Spanish in development English, Spanish

Yes / Fees may apply

U.S. Bank English, Spanish, Chinese English, Spanish English, (Branch has access to a Language Line for assistance) Yes / 2.50 Fee
U.S. Eagle Federal Credit Union English, Spanish English English, Spanish Yes / $1.75 Fee
Wells Fargo English, Spanish, Chinese, Hmong, French, Korean, Russian, Vietnamese English, Spanish English, Spanish Yes / $2.50 Fee

Alternative Identification Accepted

*Can be used in lieu of Social Security Number at account opening in-branch

Name Individual Taxpayer Identification Number (ITIN) Consular Identification Card Employment Authorization Document (EAD) Tribal ID School ID Other Alternative ID Accepted
Bank of America No Mexico (Matrícula Consular), Dominican Republic, Columbia, Guatemala Yes, with photo Yes, as secondary Yes, as secondary Permanent Resident Card (Green Card), Military, Canadian Citizenship Certificate, U.S Nonimmigrant Visa and Border Crossing Card, Foreign Passport
BMO Yes Mexico (Matrícula Consular), Guatemala No Yes Yes, as secondary Permanent Resident Card (Green Card), Military ID, Passport w/photo
Chase Yes* Mexico (Matrícula Consular), Dominican Republic, Columbia, Guatemala, Argentina, Brazil, Ecuador, El Salvador, Honduras, Nicaragua, Peru, South Korea, Uruguay
No Yes Yes, as secondary Permanent Resident Card (Green Card), Military ID, Passport w/photo
First Convenience Bank Yes Mexico (Matrícula Consular) Yes Yes No Permanent Resident Card (Green Card), Military, Conceal License
First National 1870/ Sunflower Yes Mexico (Matrícula Consular) No Yes Yes Government Issued Photo ID
New Mexico Bank & Trust, a division of HTLF Bank Yes Mexico (Matrícula Consular) No Yes No Permanent Resident Card (Green Card)
Nusenda Credit Union Yes Mexico (Matrícula Consular) Yes Yes Yes Permanent Resident Card (Green Card), Military,
PNC Yes Mexico (Matrícula Consular) No Yes Yes, as secondary Permanent Resident Card (Green Card), Military, Passport
Rio Grande Credit Union Yes Mexico (Matrícula Consular) No Yes Yes Military, Passport
U.S. Bank Yes with valid ID Mexico (Matrícula Consular) Yes Yes No Military, Passport
U.S. Eagle Federal Credit Union No Mexico (Matrícula Consular) No Yes No Government Issued Photo ID
Wells Fargo No Mexico (Matrícula Consular), Columbia, Guatemala, Argentina
Yes Yes, as secondary Yes, as secondary Permanent Resident Card (Green Card), Military, Passport, Border Crossing Card, Documento Único de Identidad (DUI) Card issued from El Salvador, Canadian driver’s license or state-issued identification card, issued in English

Map: Coalition Partners that offer a Bank On Certified Checking Account

For most up to date locations of branches please visit the credit union or bank website. If you are a participating institution with a certified Bank On checking account and your location information has changed or needs to be updated please contact Vanessa Arballo, Bank On Program Manager, at [email protected].

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