Chase, Bank of America, and Wells Fargo checking accounts come with monthly fees.
Our free checking with eStatements doesn’t.
No monthly fees means more money in your pocket. That's groceries, gas, or savings for what matters.
Your money, your way. No stress about maintaining minimums or getting hit with fees.
Get your paycheck up to 2 days early.* Because bills don't wait, and neither should you.
More ATMs than Chase, BofA, and Wells Fargo combined. Your cash, accessible everywhere.
Bank anytime, anywhere. Check balances, pay bills, and manage your money right from your phone.
Send and receive money with Zelle®. It's fast, easy, and free.
Opening your account is free. Keeping it is free. That’s our promise.
More features. Less fees. The choice is clear.
Feature | Good Checking (FREE) |
Best Checking (2.00% APY✝) |
Chase Total Checking |
Bank of America SafeBalance |
Capital One 360 Checking |
---|---|---|---|---|---|
Monthly Fee | ✅ $0 | ⚠️ $7* | ❌ $12† | ❌ $4.95 | ✅ $0 |
Fee Waiver Requirements | ✅ None | ✅ 20 debit swipes | ⚠️ $500 DD or $1,500 balance | ⚠️ $500 balance or under 25 | ✅ None |
Minimum Balance | ✅ $0 | ✅ $0 | ✅ $0 | ❌ $500 | ✅ $0 |
Early Direct Deposit | ✅ Up to 2 days early* | ✅ Up to 2 days early* | ✅ Up to 2 days early | ❌ No | ✅ Up to 2 days early |
Free ATM Network | ✅ 55,000+ | ✅ 55,000+ | ⚠️ 15,000+ | ⚠️ 15,000+ | ✅ 70,000+ |
APY / Dividends | — | ✅ 2.00% APY✝ | ❌ 0% | ❌ 0% | ✅ 0.10% |
Round-Up Savings | ✅ | ✅ | ❌ | ❌ | ❌ |
Credit Score Access | ✅ | ✅ | ❌ | ❌ | ❌ |
Premium Benefits | ❌ |
|
❌ | ❌ | ❌ |
* $7 monthly fee waived with 20 debit transactions. † Chase monthly fee increases to $15 on August 24, 2025.
Data current as of July 2025. Rates/APY subject to change.
Start free. Stay free. Or use your debit card 20 times to earn 2.00% APY✝
100% FREE
No-fee checking account
2.00% APY✝
$7 monthly fee waived with 20 debit transactions
No pressure to upgrade. Stay free forever if that works for you.
PrimeWay – Houston’s Trusted Credit Union Since 1937
Opening your account is free. Keeping it is free. That’s our promise.
Open Your Account in 5 Minutes
Open your account today by filling out an online application , visiting one of our seven retail centers or contacting us at (713) 799-6200 .
Disclosures:
† This is a variable rate based on the discretion of the Board of Directors. We may change the rate monthly, and there are no limitations on the amount the rate can change.
*Get your paycheck two days early with direct deposit.
¹ Benefits are available to personal checking accounts and their primary accountholder and joint accountholder(s) subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
² Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
³ Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
⁴ The comparison was conducted in January 2025 using information obtained from financial institution websites. This information may change without notice. We encourage you to verify the most current information by directly consulting the websites of the respective financial institutions. We do not assume responsibility for any errors or omissions in the data presented.
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