Or you can simply have the bank decline to pay charges that you don’t have enough cash to cover.
Capital One is part of the Allpoint ATM network, giving its customers access to over 40,000 free cash machines.
» MORE: Nerd Wallet’s best credit unions Simple offers a checking account with a fully integrated budgeting tool called Safe-to-Spend. To determine the best accounts, we took a close look at over 60 financial institutions: the largest U. banks based on assets, debit card volume, Internet search traffic and other factors; the nation’s largest credit unions, based on deposits as well as broad-based membership requirements; and other notable and/or emerging players in the industry.
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Like most things in life, though, these typically aren’t free.
Many banks charge monthly maintenance fees on these accounts to offset the cost of running their brick-and-mortar branches. Some financial institutions — many of them online-only businesses without branches to maintain — don’t charge monthly fees and may offer other free services.
Users can also visit Capital One 360 Cafés in more than 10 cities around the country to speak with customer-service representatives.
If you don’t live near one of these physical locations, you can get in touch with the bank via phone, email, Facebook or Twitter.
» MORE: Nerd Wallet’s top high-yield online savings accounts With branches in five states, Alliant has a wider reach than most credit unions, and a $10 donation to an Alliant-affiliated nonprofit is all it takes to gain membership.