Is every US checking account $15 a month?

No. On 16 October 2026, Chase Total Checking and Wells Fargo Everyday Checking printed $15. Bank of America Advantage Plus printed $12.00. PNC Virtual Wallet Spend printed $7.00. Capital One 360 Checking and Huntington Asterisk-Free Checking printed no monthly fee.

Do I need every waiver at once?

No. Each row above is written as the bank prints it. Where the page says any one condition is enough, meeting one of them is what that page describes.

Why are two Citi accounts in one row?

Citi's compare page prints $15 for Regular Checking and $5 for Access Checking. Collapsing those into one number would hide a fee the page actually prints.

Why is Regions missing?

The LifeGreen fee PDF did not open on 16 October 2026. This table does not fill in a number from an older file or from memory.

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Monthly checking account fees by bank (US)

The everyday checking account is not the same price at every bank. On 16 October 2026, Chase Total Checking and Wells Fargo Everyday Checking print $15, and Bank of America Advantage Plus prints $12.00. You can often bring that fee to $0 by meeting one condition the bank names. Capital One 360 Checking and Huntington Asterisk-Free Checking print no monthly fee. Match the account name before you use a row.

Last checked: Oct 2026

The monthly fee and how to avoid it

This table is the monthly fee for one common everyday account at each bank, plus the waiver that bank prints. A premium account at the same bank can cost more. Chase, Bank of America, and Wells Fargo monthly fees walks through the first three in more detail. Overdraft fees are in US overdraft fees by bank.

Opened 16 October 2026. Amounts are US dollars. One waiver is enough unless the page says otherwise.
Account	Monthly fee	How the bank says you can avoid it
Chase Total Checking	$15	$0 in a statement period with any one of these: $500 or more in qualifying electronic deposits, a $1,500 balance at the beginning of each day, an average beginning day balance of $5,000 or more in this account or combined with linked qualifying deposits or investments, or a link to a qualifying Chase checking account. Chase says Zelle, cash, checks, wire transfers, and interest payments do not count as qualifying electronic deposits.
Bank of America Advantage Plus	$12.00	Avoid it in a statement cycle with any one of these: one qualifying direct deposit of $250 or more, a minimum daily balance of $1,500 or more (the lowest balance in the cycle), or an owner enrolled in the Preferred Plus, Preferred Honors, or Premier tier of BofA Rewards. Minimum to open is $100.
Wells Fargo Everyday Checking	$15	$0 in a fee period with any one of these: $500 or more in total qualifying electronic deposits, a $1,500 minimum daily balance, $5,000 or more in qualifying deposit or investment balances, a primary owner age 17 to 24 (that waiver ends at 25), or a qualifying monthly non-civilian military direct deposit. A fee period is not always a calendar month.
Citi Regular Checking and Access Checking	$15 and $5	Regular Checking is $15. Access Checking is $5. Each is waived in a month with $250 or more in direct deposits or other qualifying transactions. Access Checking is also waived when an owner is 23 or younger, effective 18 July 2026. Citi Priority, Citigold, and Citigold Private Client list no monthly service fee. A calendar month may not match the statement period.
U.S. Bank Smartly Checking	$12	Waived for the first two statement periods on a new account. After that, $0 with any one of these: combined monthly direct deposits of $1,500 or more, an average account balance of $1,500 or more, a Smartly Visa Signature card, an eligible small business checking account, Smart Rewards Gold, Platinum, or Platinum Plus, military status, a Workplace Financial Wellness Program, Global Transition Solutions, age 13 to 24, or age 65 and over. Safe Debit is a different account at $4.95, and that fee cannot be waived.
PNC Virtual Wallet Spend	$7.00	No monthly service charge with any one of these: a $500 combined average monthly balance in Spend and Reserve, $500 in qualifying direct deposits to Spend in the statement period, an account holder age 62 or over, or a PNC employee. The schedule is effective 17 August 2025. Performance Spend is a different account at $15.
Capital One 360 Checking	No monthly fee	The page also says there is no minimum balance to open or to keep. Extra services, such as a wire or a cashier's check, can still cost money. That page does not print those dollar amounts.
Truist One Checking	$12	$0 with any one of these: $500 or more in qualifying direct deposits in the statement cycle, a combined ledger balance of $500 or more in related Truist accounts, a personal Truist credit card, mortgage, or consumer loan including LightStream, a linked small business checking account, student status, or a primary owner under 25 or age 62 and older. The page was updated as of 14 October 2026. Minimum to open is $50.
TD Complete Checking	$15	$0 with any one of these: $500 or more in direct deposits in a statement cycle, a $500 minimum daily balance, a $5,000 minimum daily combined balance in personal deposit accounts you ask TD to link, or a primary owner age 17 through 23. That age waiver ends on the 24th birthday. Beyond Checking is $25. Essential Banking is $4.95, and that fee is $0 only when the primary owner is 13 through 17.
Citizens One Deposit Checking	$9.99	Waived if at least one deposit posts before the statement period ends. No minimum balance. The page shown on 16 October 2026 was the Rhode Island view, and it said the product was not offered in the location used for that visit. The fee PDF is marked Rev Oct 2026.
Huntington Asterisk-Free Checking	No monthly maintenance fee	Huntington also says there is no minimum balance to open. A non Huntington ATM can still cost money. That ATM charge is not the monthly fee.

Banks not in this table yet

Regions is not here. Its LifeGreen Checking fee PDF did not open on 16 October 2026, so this page does not copy a monthly fee for Regions. How to waive a Regions monthly fee is the Regions page already on this site. This table does not copy a number from that page.

A different account at the same bank can cost more. Match the name on the statement. Read the account on its own page: Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC, Capital One 360, Truist, TD in the US and in Canada, Citizens, and Huntington.

Questions

Is every US checking account $15 a month?: No. On 16 October 2026, Chase Total Checking and Wells Fargo Everyday Checking printed $15. Bank of America Advantage Plus printed $12.00. PNC Virtual Wallet Spend printed $7.00. Capital One 360 Checking and Huntington Asterisk-Free Checking printed no monthly fee.
Do I need every waiver at once?: No. Each row above is written as the bank prints it. Where the page says any one condition is enough, meeting one of them is what that page describes.
Why are two Citi accounts in one row?: Citi's compare page prints $15 for Regular Checking and $5 for Access Checking. Collapsing those into one number would hide a fee the page actually prints.
Why is Regions missing?: The LifeGreen fee PDF did not open on 16 October 2026. This table does not fill in a number from an older file or from memory.

Sources

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