X checking

bank x debit card

All the Control
Without the Fees


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, anytime.

No-fee checking? Sweet.

Changing the Rules of Checking

Unlimited Mobility

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

No Penalties

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).

Overdraft Protection

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

Open An Account
 Account Features

Unlimited ATM Reimbursements

At a hole-in-the-wall cash-only restaurant? On a road trip with friends? At a cash-only convenience store for a midnight snack? Ever had to walk 10 blocks to get to specific ATM? We won't tie you down. Use any ATM you want. We'll even automatically reimburse any X checking account ATM fees¹ at the end of the month.

Free Online Banking

Take banking off of your chore list. Now you can do your banking from anywhere, anytime, for free. Online banking makes it easy for you to keep your money and your time where it belongs - with you.

Learn more about Online Banking »

Mobile Banking

Consider your phone to be your personal banker - it's got your banking needs covered. Deposit checks, transfer money, view your balance, track your spending habits, and pay your bills from your smartphone. Now you're really going to feel naked without it.

Mobile Banking Info »

Mobile Deposit (Smartphone)

No hoops to jump through. No envelopes to seal. Just grab your phone, take a quick picture of your check, and boom... You're good to go.

What you need to know about Mobile Deposit... »

MyDeposit (PC)

Never go into a bank again? Challenge accepted. No mailing, no envelopes, no trips to the ATM. Just use your computer and scanner to deposit checks straight into your X checking account - for free.

(But, hey - just because you don't have to go into a bank doesn't mean you can't give us a call at 1-877-247-8018 or drop us a line at customerservice@bankx.com whenever you feel like it!)

Get the 411 on MyDeposit »

Online Bill Pay

Due dates got you down? Never stress about remembering to pay bills again.

Discover the benefits of Bill Pay »

Reload @ the Register™

Conveniently Deposit cash at participating retailers nationwide with Green Dot® Reload at the Register™ (A fee of up to $4.95 applies)2.

Overdraft Protection

Accidental overdraft? No problem, Bank X will transfer funds for you from an enrolled linked account - free of charge. To set up: Simply log in to your account and send us a secure message indicating the last 5 digits of the two account numbers you would like to have linked together.

No Overdraft Fees

It happens, we totally get it. If for whatever reason you're lacking the funds, whether we let the payment go through or not, we'll let it slide and not charge you for it.

 FAQs Top

Got Questions?

At Bank X, our goal is transparency. In that spirit, here are some answers to questions we typically receive from prospective customers. If you're still craving more information about our X checking account, check out our comprehensive list of . Naturally, you can always ask us a question by .

 FAQ Content

To complete an online application for X checking from Bank X, you need the following:

  • Your Social Security Number
  • A valid US driver’s license or state-issued identification
  • Primary contact information, including mailing address, telephone number(s), and email address
  • Details of the account you are transferring money from to open your new Bank X checking account in order to make your initial deposit electronically.
  • If this is a joint checking account, we will need the above information for each account owner.

Click here to open an X checking account.

Let's say your bank charges you a $12 monthly maintenance fee; it costs you on average $5 to withdraw cash from a non-bank ATM, and you withdraw cash about twice a month; your checking account is linked to your savings account so that payments go through when you overdraft - which happens about four times a year at $10 per day; lastly, for that weekend where you thought you had enough money in your account, an unexpected payment went through and you try to use your card a few (e.g., three) times at different stores or restaurants - your bank slaps you with a $35 fee for each attempt.

Based on the above hypothetical example, you'd save $409 each year by switching to X checking from Bank X, and even more if you also switched your current savings account to . All that money could be put to better use - for example, a trip to Hawaii...

How much does your bank charge you? How many times does this happen in a year? Your Bank's Total
Monthly Maintenance Fee $12 x12 $144
ATM Fee $5 x24 $120
Overdraft Fee $10 x4 $40
Non-Sufficient Funds Fee $35 x3 $105
Amount you can save each year by switching to Bank X $409

Our team over here would be happy to walk you through the process of switching banks. Just give us a ring at 1-877-247-8018 or drop us a line at .

Don't worry, we don't have any tricks up our sleeves. What you see is what you get, and we really don't charge you for the most important things. However, there are fees associated with some non-basic services. Here is an overview. For a complete list of fees, please see our

Straightforward X checking

Account Opening and Usage Minimum Deposit Needed to Open Account $100  
Monthly Fee $0  
Requirements to Waive Monthly Fee n/a E.g. Minimum combined account balance, direct deposit, or other conditions
Interest-Bearing no  
ATM Withdrawals $0 unlimited ATM reimbursement at any domestic ATM
Non-Sufficient Funds (NSF) Fee $0 per declined transaction made against insufficient funds
Deposited Item Returned Fee $10 for each item that you deposit that is rejected because the payor did not have enough money in their account
Stop Payment Fee $35 Stop payments, per request includes checks, ACH and Bill Pay
Account Closing Fee $0  
Overdraft Overdraft Transfer Fee $0 per overdraft covered by a transfer from a linked savings account or line of credit
Other Fees Online Statement $0  
Money Transfer via Popmoney $0 3 day processing, per item
$7 Next Day processing, per item
Incoming Wire Transfer $0 Domestic & International
Outgoing Wire Transfer (Popmoney is our free alternative for domestic transfers) $35 Domestic
$45 International
Visa® Debit Card $0  
Wire transfer from your bank.
Routing Number - 122287251
No deposit limit.
Mobile Deposit- deposit checks from your Android or iPhone app. $10,000 daily deposit limit.
Direct Deposit- your paycheck from your employer. No deposit limit.
Mail a physical check to:
Bank X
P.O. Box 509127
San Diego, CA 92150-9948

You can make your check payable to Bank X or to yourself. Please endorse the back of the check “For Deposit Only” followed by your signature and the account number (found on your signature card).
No deposit limit.
*ACH – electronic transfer from another checking or savings account No deposit limit.
*Charge a credit card, debit card, prepaid card or Visa®/MasterCard® gift card $500 limit

*Available during account application process only

Your free Visa® Debit card will arrive in the mail within 10 business days after the account is approved. The free initial pack of checks (if ordered during the application process) will arrive within 14 business days after we receive your completed Signature Card.

You can order checks online using the following directions:

  • Log into your account
  • Hover over the Additional Services tab
  • Click on Order Your Checks Today
  • Select the account from the drop down menu
  • Click the Enter button
  • Follow the on screen prompts to complete the re-order

Bank X will keep your money safe, so you will have total access to it whenever you want, wherever you are. That's the Bank X guarantee.

  • Access your money 24/7 via Online Banking and/or Mobile Banking.
  • Use your Visa® Debit card or checks for purchases and payments
  • Pay your bills using our free Bill Pay service
  • Get cash from any ATM nationwide (no matter which bank)1
  • Make a Deposit using Mobile Deposit (Smartphone), MyDeposit (PC), or Direct Deposit

This is an open relationship; use any ATM you want. We'll even automatically reimburse any domestic ATM fees at the end of the month.

Your Card transactions will be subject to daily limits as follows:

  • Cash withdrawal from an ATM using an ATM card - $510.00
  • Point-of-sale transaction using your ATM card - $500.00
  • Cash withdrawal from an ATM using a VISA® Debit card - $1,010.00
  • Point-of-sale transaction using your VISA® Debit card - $2,500.00