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Free checking hasn’t disappeared entirely from brick-and-mortar financial institutions.
In fact, Bankrate has found that 38% of banks and 84% of large credit unions still offer free checking accounts with no monthly service fee.
However, like other USAA products, this is only available to active duty military personnel, veterans, their families, and other affiliates.Their first-year bonus APR of 0.95% on all balances is about 15 times the national average.