which banks have no minimum deposit for me?

Several online banks, traditional banks, and credit unions let you open an account with a $0 minimum opening deposit and carry no monthly maintenance fees or minimum balance requirements.

Top options with no minimum deposit include:

• Capital One 360 Checking : Offers a traditional-meets-online feel with $0 minimum opening deposit, no monthly fees, fee-free access to over 72,000 ATMs, and physical Capital One Cafés/branches if you prefer in-person access.
• Ally Bank : Known for its "no nonsense" digital banking, Ally requires a $0 minimum deposit to open its spending/checking and savings accounts, charges no monthly maintenance fees, and provides broad fee-free ATM access.
• Discover Bank : Features a $0 minimum opening deposit for its Cashback Debit account, charges no monthly fees or balance requirements, and even rewards you with cash back on everyday debit purchases.
• SoFi Bank : Offers online checking and savings with a $0 minimum deposit requirement, no monthly account fees, and high-yield interest potential when you set up direct deposit.
• Chime : A widely used mobile financial platform with no minimum opening deposit, no monthly service fees, and an early direct-deposit feature.
• Alliant Credit Union : For a credit union option, Alliant's High-Rate Checking has $0 minimum opening deposit and no ongoing balance requirements.

To help narrow down the best choice for you, tell me:

• Are you looking for checking, savings, or both?
• Do you prefer a purely online experience or access to physical bank branches?

Assuming you mean banks you can open an account with £0 initial deposit / no minimum balance, and you’re in the UK, these are some common options:

• Monzo — Current Account: £0 minimum opening balance, no monthly fee on the standard account.
• Starling Bank — Current Account: generally available with no minimum opening deposit.
• Chase UK — Current Account: £0 minimum funding requirement.
• NatWest — Select Account: £0 minimum funding requirement.
• TSB — Spend & Save: £0 minimum funding requirement.
• Revolut — Standard Account: £0 minimum funding requirement (note it is an e-money account rather than a traditional bank account in some respects).
• Santander UK — Everyday Current Account: no monthly fee and no minimum funding requirement.

If you mean “I have £0 money right now and need an account that will still accept me”, a basic bank account may be the better category. UK banks including Barclays, HSBC, Lloyds, Nationwide, NatWest, Santander, TSB and others offer basic accounts designed for people who may not qualify for standard current accounts.

A few things can still be required even with a £0 deposit:

• proof of identity (usually)
• proof of address (often)
• UK residency requirements (for many accounts)

If you tell me whether you’re in the UK, your age, and whether you need a bank with a branch nearby or an app-only account, I can narrow it down.

If you mean U.S. checking accounts with $0 required to open, there are several options. Since you appear to be in the Chicago area, I’d separate online banks from local branches:

• Ally Bank — $0 minimum opening deposit, no monthly maintenance fee, and its Spending Account includes a debit card, checks, Zelle, and ATM access.
• Capital One 360 Checking — generally $0 minimum opening deposit and no monthly service fee.
• Discover Bank — its checking account has no minimum opening deposit and no monthly maintenance fee.
• Chase — some checking products can be opened without a minimum deposit, although monthly-fee requirements vary.
• Bank of America — some accounts don't require a minimum opening deposit, but monthly-fee rules apply.
• BMO — Chicago-area option, but its Smart Advantage checking currently requires $25 to open, so it isn't truly $0.

If you literally have $0 today, I'd lean toward Ally or another $0-opening online checking account. Ally explicitly says you can open with $0, although the account needs to be funded within 30 days.

If you tell me whether you need a physical branch, cash deposits, or just a debit card/direct deposit, I can narrow this to the best 2–3 options for you.

Several online banks, traditional banks, and fintech providers offer accounts with $0 minimum opening deposit requirements and no ongoing balance minimums.

Popular Options with $0 Minimum Deposit

• SoFi : Offers a checking and savings account with $0 minimum opening deposit , no monthly maintenance fees, and access to a large fee-free ATM network.
• Capital One 360 : The 360 Checking and online savings accounts feature no minimum deposit , zero opening fees, and no monthly maintenance charges.
• Ally Bank : Provides online interest checking and savings options with no minimum balance to open and no monthly maintenance fees.
• Discover Bank : Offers online savings and Cashback Debit checking accounts with no minimum opening deposit and no monthly service fees.
• Chime : A financial technology platform providing fee-free online checking accounts with no minimum deposit requirement to open or maintain.
• PNC Bank : Offers specific accounts like PNC Simple Checking that feature no minimum deposit to open online and no monthly maintenance hassles under certain criteria.
• Chase Secure Banking : A traditional banking option that requires no minimum deposit to get started and waives standard overdraft traps, though a flat monthly fee applies unless specific criteria are met.

If you'd like, tell me:

• Are you looking for a checking account , a savings account , or both?
• Do you prefer an online-only bank or a traditional bank with physical branches?

I can narrow down the best specific account for your needs.

If you mean U.S. banks where you can open a checking account with $0 upfront, there are quite a few.

• Capital One 360 Checking — $0 minimum opening deposit; $0 monthly fee.
• Ally Bank Spending Account — $0 opening deposit; $0 monthly maintenance fee. Online-only.
• SoFi Checking & Savings — $0 opening deposit and $0 monthly fee.
• NBKC Bank Everything Account — $0 opening deposit, $0 monthly fee, and currently around 1.75% APY.
• Axos Bank Checking — $0 opening deposit and $0 monthly fee.
• Bask Bank Interest Checking — $0 opening deposit and no monthly maintenance fee.
• TAB Bank — $0 opening deposit and no monthly fee; its Rewards Checking is listed at 2.75% APY.

If you want a physical branch, Capital One is probably the most attractive of these. If you're fine with online banking, Ally, SoFi, or NBKC are strong choices.

If by “for me” you mean banks available to you based on your location/status (e.g., Pennsylvania, student, no credit history, non-U.S. citizen, etc.), tell me your state and what kind of account you want, and I can narrow it down.

Several reputable banks and financial institutions offer accounts with a $0 minimum opening deposit and $0 minimum balance requirements . Many online banks and digital-first accounts make it easy to start banking without needing upfront funds.

Top Banks and Accounts with No Minimum Deposit

• SoFi Checking and Savings : Offers a combined checking and savings account with a $0 minimum opening deposit, no monthly account fees, and no minimum balance requirements.
• Capital One 360 Checking : Features no minimum deposit required to open, no monthly maintenance fees, and gives you access to physical Capital One Cafés and nationwide ATMs.
• Ally Bank Spending Account : An online-only checking account with a $0 minimum deposit requirement to open, zero monthly maintenance fees, and fee-free access to a massive ATM network.
• Discover Bank : Known for having no minimum deposit or balance requirements on its online savings and checking accounts, alongside an absolute lack of monthly maintenance fees.
• PNC Bank (Simple Checking) : For those who prefer a traditional national bank, PNC allows a $0 minimum deposit to open certain accounts online (like Simple Checking) and offers wide branch/ATM access.
• Axos Bank : Offers zero opening deposit requirements and no monthly maintenance fees on its core checking options.

If you tell me whether you prefer an online-only bank or a traditional bank with physical branch locations , I can help you narrow down the best specific account for your needs.

If you mean checking accounts you can open with $0 upfront, there are several options available in the Chicago/Illinois area.

• Chase — some checking accounts have a $0 minimum opening deposit.
• First American Bank — Everyday Rewards Checking is listed with a $0 minimum deposit.
• Belmont Bank & Trust — Kasasa Cash Checking is listed with a $0 minimum deposit.
• Mutual Federal Bank — Free Checking has a $0 minimum deposit.
• Eureka Savings Bank — Essential Plus Checking has a $0 minimum deposit.
• Warren-Boynton State Bank — Basic Checking has a $0 opening deposit, although balance requirements can affect fees.

If you're looking for a major national bank, Chase is probably the easiest $0-deposit option from this list.

One important distinction: "$0 minimum deposit" doesn't always mean "$0 fees." Some accounts have monthly fees unless you meet direct-deposit or balance requirements.

If you tell me (1) your age, (2) whether you have direct deposit, and (3) whether you want a physical branch, I can narrow it down to the best 3 banks for you with $0 to open and no monthly fee.

Several reputable online and traditional banks let you open an account with a $0 minimum opening deposit , meaning you can start your account with whatever amount you have (even $0).

Top options with no minimum opening deposit requirements include:

• SoFi Checking and Savings : Features no account minimums, no monthly maintenance fees, and lets you start an account with any amount. It also earns competitive interest rates if you set up direct deposit.
• Capital One 360 : Known for keeping things simple with no minimum balance, no opening fees, and no minimum deposit requirement for its 360 Checking and savings accounts.
• Ally Bank : A top-rated digital bank that requires a $0 minimum opening deposit for its online spending (checking) and savings accounts.
• Discover Bank : Offers fee-free online checking and savings options with no monthly maintenance charges and no minimum deposit to open.
• PNC Bank : Certain accounts, like PNC Simple Checking , require no minimum deposit to open online and give you access to standard physical branch networks.
• Fifth Third Bank : Their Momentum Checking account has no minimum balance and requires no minimum deposit to open.

To help narrow down the best fit, tell me:

• Are you looking for checking, savings, or both?
• Do you prefer a 100% online bank or one with physical branch access?

Many top-tier traditional and online banks allow you to open a checking or savings account with a $0 minimum opening deposit , meaning you don't need any money upfront to get started.

Here are some of the best choices available:

• Capital One : Offers the 360 Checking and 360 Savings accounts with $0 minimum deposit, $0 minimum balance , and $0 monthly fees . They also provide physical cafe locations and brick-and-mortar ATMs alongside robust online tools.
• Ally Bank : A premier online bank with an interest-earning Spending Account and Online Savings Account requiring $0 minimum opening deposit and no monthly maintenance fees.
• Chime : A widely popular financial technology platform that offers fee-free checking accounts with no minimum opening deposit requirement and no monthly maintenance fees.
• Alliant Credit Union : Frequently ranked as a top digital credit union, Alliant requires $0 minimum opening deposit and charges no ongoing monthly maintenance fees for its High-Rate Checking.
• PNC Bank : For those who prefer traditional brick-and-mortar access, their Simple Checking account features no minimum deposit to open online (though standard monthly fee rules apply unless waived by specific direct deposit or balance criteria).
• Discover : Known for cash-back checking and high-yield savings options with zero minimum deposit to open and no monthly account fees.

To help narrow down the best fit, let me know:

• Do you prefer a traditional bank with physical branches or an online-only/mobile bank?
• Are you looking primarily for checking, savings , or both?

If you mean U.S. bank accounts you can open with $0 upfront, there are several good options.

• capitalone.com — $0 minimum to open and $0 minimum balance; no monthly maintenance fee.
• ally.com — $0 minimum opening deposit, no monthly maintenance fee, and no minimum balance.
• Ally Savings — also $0 to open and no minimum balance, with a current variable APY of about 3% as of August 2026.
• Capital One 360 Performance Savings — $0 minimums and no monthly fee.

If you literally have $0 right now, I'd lean toward Capital One 360 Checking or Ally Spending because you can open the account without putting money in first.

If you tell me whether you want checking, savings, or both, I can compare the best $0-deposit banks for you—including ATM access, direct deposit, overdraft protection, and current interest rates.