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)
See Below for Charts with Information About:
Last Updated: October 20, 2025
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
| Financial Institution | Checking Account Name | Monthly Fee | Minimum Opening Deposit | Minimum Age |
|---|---|---|---|---|
| Bank of Albuquerque | Opportunity Banking | $5.00 | $25.00 |
18 16 with parent/guardian |
| Bank of America | Advantage SafeBalance Banking Account | $4.95 (waived, if under age 25 or min daily balance of $500) | $25 |
16 13 with parent/guardian |
| BMO | Smart Money | $5.00 (waived, if under age 25) | $25 |
18 13 with parent/guardian |
| Chase | Chase Secure Banking | $4.95 (waived if electronic deposits of $250 or more are received during statement period) | $0 |
18 |
| First Convenience Bank | eAccount | $5.00 | $0 | 18 |
| First National 1870/ Sunflower | Achievement Checking | $5.00 | $25 | 18 |
| Nusenda Credit Union | Breeze Account | $5.00 (waived, if under age 21) | $25 |
18 15 with an adult guarantor |
| PNC | Foundation Checking | $5.00 (waived if under age 21 or over age 62) | $0 |
18 16 with an adult guarantor |
| Rio Grande Credit Union | Fresh Start Checking | $5.00 | $25 | 18 |
| Sunward | Simple Spend | $0 | $0 |
18 Under 18 - any age with an adult as a joint owner |
| U.S Bank | Safe Debit Account | $4.95 | $25 | 18 |
| U.S. Eagle Federal Credit Union | FlexChecking | $5.00 | $25 | 18 |
| WaFd | Fresh Start | $4.00 | $25 |
18 13-17 with adult co-owner |
| Wells Fargo | Clear Access Banking | $5.00 (waived for primary account owners 13-24 yrs old; or qualifying deposits if $250 or more after 10/25/25) | $25 |
17 13-16 with adult co-owner |
ATM and Language Access
| Financial Institution | ATM Languages | Website Languages | Fee for Out of Network ATMs in US / Fee |
|---|---|---|---|
| Bank of Albuquerque | English, Spanish | English, Spanish | Yes / $2.00 Fee |
| Bank of America | English, Spanish, Chinese, Korean, Russian, Portuguese | English, Spanish | Yes / $2.50 Fee |
| BMO | English, Spanish | English | Yes / $3.00 Fee |
| Chase | English, Spanish, Chinese, French, German, Greek, Italian, Japanese, Korean, Polish, Portuguese, Russian, Tagalog, Vietnamese | English, Spanish | Yes / $3.00 Fee |
| First Convenience Bank | English, Spanish | English, Spanish |
Yes / $2.50 Fee |
| First National 1870/ Sunflower | English, Spanish | English, Spanish |
Yes / $3.00 Fee |
| Nusenda Credit Union | English, Spanish | English | Yes / $1.50 Fee |
| PNC | English, Spanish, German, Chinese (Mandarin), Vietnamese, Italian, Japanese, Korean, Polish and Portuguese | English |
Yes / $3.00 Fee |
| Rio Grande Credit Union | English, Spanish | English, Spanish |
No Fee (Fees may be charged by the out-of-network ATM) |
| Sunward | English, Spanish | English |
No Fee (Fees may be charged by the out-of-network ATM) |
| U.S. Bank | English, Spanish, Chinese | English, Spanish | Yes / 2.50 Fee |
| U.S. Eagle Federal Credit Union | English, Spanish | English | Yes / $1.75 Fee |
| WaFD | English, Spanish | English, Spanish |
No Fee (Fees may be charged by the out-of-network ATM) |
| Wells Fargo | English, Spanish, Chinese, Hmong, French, Korean, Russian, Vietnamese | English, Spanish | Yes / $2.50 Fee |
Alternative Identification Accepted
*Can be used in lieu of Social Security Number at account opening in-branch
| Financial Institution | Individual Taxpayer Identification Number (ITIN) | Consular Identification Card | Employment Authorization Document (EAD) | Tribal ID | School ID | Other Alternative ID Accepted |
|---|---|---|---|---|---|---|
| Bank of Albuquerque | Yes* | Mexico (Matrícula Consular) | No | Yes, primary with photo | No | US State or US Territory Issued Photo ID, Passport Book w/ photo Travel VISA |
| Bank of America | Yes* | 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 |
| Nusenda Credit Union | Yes* | Mexico (Matrícula Consular) | Yes | Yes | Yes | Permanent Resident Card (Green Card), Military ID, |
| PNC | Yes* | Mexico (Matrícula Consular) | No | Yes | Yes, as secondary | Permanent Resident Card (Green Card), Military ID, Passport |
| Rio Grande Credit Union | Yes* | Mexico (Matrícula Consular) | No | Yes | Yes | Military ID, Passport |
| Sunward | Yes* | Mexico (Matrícula Consular) | No | Yes | Yes | Permanent Resident Card (Green Card), Military ID, Passport, Government Issued Photo ID, DoD badge, SNL badge, DoE badge, KAFB badge |
| U.S. Bank | Yes with valid ID | Mexico (Matrícula Consular) | Yes | Yes | No | Military ID, Passport |
| U.S. Eagle Federal Credit Union | Yes* (additional documentation may be required) | Mexico (Matrícula Consular) | No | Yes | No | Government Issued Photo ID |
| WaFd | Yes* | Mexico (Matrícula Consular) | No, unless no a U.S. Citizen | Yes, as secondary | Yes, as secondary | Government Issued Photo ID, State Issued 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].
If map is not visible please refresh website page. Click the icon in the upper left to show or hide the map's key.