What are some online-only, free checking accounts with bill pay and no overdrafting features, similar to Simple.com*?

*Simple.com unfortunately is removing bill pay in July 2019.

  • I feel like you aren't asking the right question. I assume if the bank happens to have a physical branch you don't care. I assume if they offer overdrafting features you don't care as long as you have the option to disable them. I'm guessing what you're actually after is a high APY. Is that correct? – TTT May 24 '19 at 22:02
  • @TTT: On too many accounts, disabled overdrafting is actually more expensive than having the feature enabled. If enabled, you pay one overdraft fee. If disabled, you pay a (higher!) returned item fee each time the payee or their bank attempts to present it. – Ben Voigt May 25 '19 at 3:22
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    @BenVoigt - that is certainly true sometimes. Though, I assume since OP specifically doesn't want it, perhaps the alternative is the debit card is declined so that you can't be charged a fee, and you can't go into debt. – TTT May 25 '19 at 19:02

Ally Bank has free checking accounts with Bill Pay, and OD protection that you can disable.

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