X checking

It's About Time... No ATM Fees.
No Overdraft Fees.

At Bank X, our low-cost structure and branchless banking model allow us to give back. X checking is a transparent, easy-to-use alternative to the checking account options offered by bigger banks, one that gives you all the tools you need to have complete control over your finances anywhere, any time.

No-fee checking? Sweet.

Changing the Rules of Checking


Access the money in your checking account anytime online with our mobile app, or for free at any ATM in the nation1.


If you don't have enough money in your checking account, we won't charge you a penalty if an unexpected payment comes through (unlike some other banks).


If you make a transaction that causes your checking account to become overdrawn, we transfer funds from an enrolled linked account, free of charge.

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