No deposit bonuses in the form of free credits and spins tend to have more or less the same terms, even though the former could be played through on a wider range of games than the latter. Anyway, the third type of cashable no deposit free money bonus offer differs in the fact that they lack the wagering requirements and allow cashouts straight.
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Most people use their checking account as a main tool to receive income, pay bills and make purchases. For many, their checking account represents the foundation of personal finances and is the link to other financial accounts that they use for money transfers. What people tend to forget is the fact that in the beginning, checking accounts didn’t charge fees. However, this changed and today, account holders from almost every large bank face a hefty amount of fees. These bank fees cover monthly maintenance, overdraft, card replacement, ATM and international ATM transfers to name a few.
Here, we will cover the details of what makes a free-checking account free and explain how the big banks are actually taking our money to give us our money. As strange as it sounds, this is the way banks function and why they are able to report billions of dollars of profit every year.
What Are Free Checking Accounts & How do They Benefit Consumers?
The banking system in the US uses outdated methods of banking. Burdening the common consumer with unnecessary fees is one of the things banks do to increase their profit. Banks often set complicated standards for consumers that are difficult to achieve and maintain, like high minimum balance requirements that aren’t feasible for many customers. Monthly maintenance fees and overdraft fees (among others) are becoming outdated, as free checking accounts are making their way to the market.
Free checking accounts are designed to have zero fees or no hidden charges and conditions that complicate your financial freedom. While some of the benefits provided by the traditional banking system may seem tempting to people The need for a free checking account is real, and it is only a matter of time until these types of accounts replace the ones burdened with fees. If you are searching for an account that you can use for paying bills, receiving paychecks, transferring money across accounts, withdrawing cash from a large number of fee-free ATMs and receiving cash-back rewards from several thousands of locations without all the fees, then you need to read this article to examine the best available options, explore our list of the best free checking accounts of 2019.
Understanding Annual Percentage Yield (APY) When Choosing a Checking Account
Before we begin the comparison, it is important to define annual percentage yield, or APY. APY is interest that’s earned by having money in your debit or savings account. A larger APY means that you’ll earn more money as you let your account balance grow. Since checking account balances tend to fluctuate, APY is usually more of a priority when it comes to choosing a savings account, but that doesn’t mean you should turn down a high APY checking account, just make sure you read the fine print. There are usually high minimum balance requirements tied to them.
Chase Total Checking Account
A Chase Total Checking Account offers customers many benefits. There are more than 5,000 physical branches, a highly-rated mobile app, plus a $200 signup bonus for new members. Chase Total Checking members also have access to 16,000+ ATMs.
Because of the $12 monthly maintenance fee, it is not exactly free, but Chase Bank does offer ways to avoid this fee. For the bank to waive their maintenance fee, the account holder must have monthly direct deposits totaling $500 minimum in monthly direct deposits or keep a minimum daily balance of $1,500, in their checking account. One more way to waive this monthly maintenance fee is to keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances, but this implies that the person already has accounts affiliated with Chase. Pros for Chase are 5000+ physical branches, solid mobile app for banking online and a $200 sign up bonus. As for the ATMs, the 16000 ATMs does not sound bad, however, always check if there are ATMs available near your place of residence. The APY is low and similar to the rest of traditional banks so the chance to earn through interest with this account is not great.
BBVA Compass ClearConnect Free Checking Account
The BBVA Compass ClearConnect Free Checking account gives members access to more than 55,000 AllPoint and BBVA Compass no withdrawal fees ATMs worldwide, making it ideal for customers looking for an account that offers the most fee-free ATMs. Account holders will also enjoy no monthly service charge and free paperless banking.
Unfortunately BBVA’s Compass ClearConnect Free Checking account has a minimum opening deposit of $25. Customers who still want access to physical branches, are also limited to only a portion of states as BBVA Compass has branches in Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas. The number of fee-free ATMs you can use with this account is 12,000 but there is an option for opting to use non-network ATMs free. This comes with a price of $5 per month and returns us to a loop of paying money to get our money. Neither one of these offers any APY rates, so there is no ability to earn interest using the BBVA Compass free checking accounts.
PNC Standard Checking Account
The PNC Standard Checking account gives customers access to around 9,000 ATMs from the PNC network that are fee-free, so be sure to check if you live in a place where you can easily find an ATM machine connected to your bank.
The PNC Standard Checking account has a $7 monthly service fee, but if you can meet a certain requirement, you avoid this fee. These requirements include making a $500 amount in direct deposits per statement year, or has a $500 average monthly balance on the standard checking account; or if they are of age 62 or older. Keep in mind there is also a $36 overdraft fee and standard mandatory $25 deposit to open a checking account.
Simple Checking Account by Citibank
Citibank gives people an option to open a basic banking package called Simple Checking. Citibank has a large amount of ATMs all across the US and with close to 35,000 ATMs, there should be no problem in finding one.
This account has a $12 monthly service fee and there are three options to avoid it. To waive this fee, customers can make one qualifying direct deposit and one qualifying bill payment per statement period, or maintain a $1500 combined average monthly balance in eligible linked accounts. The final option is to fulfill the 62+ age requirement. There is an overdraft fee of $34, but there is a $10 per month charge option to activate the overdraft protection system.
Chime Bank: A No Fee Mobile Checking Account. Seriously.
One of the best free checking accounts available is the Chime Bank online banking account. It offers great online banking options with an easy to use mobile app. When you open a Chime account, you receive a checking account and a savings account, along with access to over 38,000 fee-free ATMs and cash-back locations you can use. There is no monthly maintenance fee, no minimum balance requirements, no overdraft fees and no minimum opening deposits.
To help its users save money, Chime also offers an automatic savings feature that rounds purchases to the nearest dollar and deposits the difference into users’ savings accounts. An optional automatic savings deposit of ten percent of each paycheck is also available, along with early direct deposit so customers can receive their paychecks up to two days early.
Final Results: Make the Switch to Chime For a True No Fee Banking Experience
Even though we are in an era of vast technological breakthroughs, there is still a large window for banking expansion and improvement. The banking system should be working for the people and not using tricks and hidden fees to take money from consumers. Better options are arising, with Chime leading the way as a checking account with zero fees and no hidden charges.
This page is for informational purposes only. Chime does not provide financial, legal, or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for financial, legal or accounting advice. You should consult your own financial, legal and accounting advisors before engaging in any transaction.
In this article I will compare the #1 online casino in Asia with local Malaysian casinos. It will be a 5 minute read, but if you want to be 100% sure that you are dealing with a trusted online casino please read it. I will also show how to get a no deposit bonus, if you are from Malaysia, Singapore, Indonesia, Thailand or Vietnam.
Online gambling has been rising very rapidly among Malaysian players, the most popular are sportsbetting, playing slot machines and live casino games.
Currently the most popular online casinos in Malaysia are Royalewin, W88, Winclub88, Deluxewin and Regal88. So lets take a look at each of them:
Winclub88 Casino Review – are they trusted online casino?
The website of Winclub88 looks and feels very smooth, I tried to look for some information about the company who is behind this website but there is no “ About Us” or any other information which is not good.
When looking for the Sportsbook betting odds I can see logos for M88, Maxbet, CMD368 and so on, this tells me that this online casino does not actually offer any sportsbetting, they are a middle man and it is always better to join with the company directly.
How are Winclub88 Bonuses?
Winclub88 offers first deposit bonus of 100% up-to 500 MYR ( 119$). This is little bit small and the 25 times rollover is very high for such a small bonus. There are also bonuses for 2nd and third deposit which is good. Winclub88 does not offer “no deposit bonus” but In the bottom I will show how to get it in W88.
Winclub88 seems to actually be an agent, because when going to sportsbetting, you are re-directed to other companies. Overall I do not recommend Winclub88 because they are unlicensed, there is no information about the company and they are just an agent with a nice website. If they would offer new member free myr no deposit 2019 codes then I would just use the free credit.
W88 Casino Review – are they trusted online casino?
W88 has been accepting Malaysian players for 6 years and they are a global brand offering online casino, sports betting, poker and live dealer games. They are one of the few online casinos that offer all that from the same wallet, so the entire website is very easy to use. New clients of W88 can get 600 MYR bonus. ( Click on the image and go to Promos to choose the right bonus for you)
W88 voted “Most trusted online casino Malaysia 2019” by players.
Customer support chat is online 24/7 and very fast to fix any problems. Depositing funds usually takes 5 minutes and withdrawals to e-wallets take under 30 minutes. Depositing and withdrawing funds through wire bank transfer is also possible.
I also play poker in W88 and when writing this article a very big tournament was running where a Malaysian poker player finished 9th and won 57 000$ ( picture below)
How can Malaysian players join W88?
1: Go to the official website ( This link takes you to your country W88 homepage)
2: Sign up on the main page or choose any of the games you like ( no matter where you sign-up you can still do everything that W88 offers – poker, casino, sports betting etc.)
3: Pro Tip – after you sign-up and can´t deposit for some reason, then verify your personal information anyway and they will give you Malaysia casino online, free credit. Dont believe me? Click here, then click on sign-up and read the small text on the left that says, “Earn freebets by simply validating your Account Safety with accurate information”
W88 and the English Premier League
During the 2018 season W88 was the sponsor of Wolverhamtpon Wonderers but in 2019, W88 signed a new deal with Aston Villa. Every new user who signs up and depsoits has a chance to win a VIP trip to England to watch Premier League games.
My Singapore friend asked me to do a mathematical analysis of W88, Bet365 and a Singapore betting website – W88 offered the best odds by a huge difference. If you sometimes bet on football then you should read it, its called “soccer betting Singapore guide – best odds compared”
How does the website look and feel on computer/mobile?
The entire website feels very smooth and loads fast, games work on both Mac and Windows computers. For mobile casino I liked the app better, but the games also work very well in mobile browser.
During the 2018 season W88 was the sponsor of Wolverhamtpon Wonderers but in 2019, W88 signed a new deal with Aston Villa. Every new user who signs up and depsoits has a chance to win a VIP trip to England to watch Premier League games.
Royalewin Casino Review – are they trusted online casino Malaysia?
My first impression is that I have gone in a time machine and it is now 1995 – look at that website? Are they serious?
The entire website looks very outdated, they offer a welcome bonus of 110{02dc7bd9acc64072ee8e5834202280dcce1744ce4450381fbf4dab47418ae93b} but the maximum amount is very small “Maximum of first time deposit claim is MYR388.0”
The slot games feel very outdated, there are couple competitions for predicting the free score, but these offer very small prizes. When looking for the sportsbook odds I get this error:
With the way this website feels and the lack of bonuses this online casino is definitely not worth your time.
Deluxewin review – is it trusted online casino Malaysia?
Deluxewin is another online casino that is available for Malaysian players, they are licensed in the Philippines. Deluxewin offers sportsbetting, live casino games, slots and also poker. The website looks kind of boring and outdated but everything seems to work.
There are couple strange notifications on the main page of Deluxewin , for example “Kindly contact our LiveChat to get our latest banking information before you make a deposit as we might change our bank account from time to time for security reason, Thank you .”
This tells me that the company has not registered the bank accounts as an online casino and they actually need to hide the money. Very dangerous for players because if the bank accounts get frozen by authorities you will lose all your money.
Also this is strange “PT Triple Monkey game got issue where game data can’t be provided from provider, thus any win/ lose for this game will be void until this issue been solved by PT. Kindly do not play this game at the moment until further notice. Thank you.”
Why don’t they just remove this game? Something feels wrong with deluxewin
Does Deluxewin offer new member free myr no deposit 2019 code?
So there is 110{02dc7bd9acc64072ee8e5834202280dcce1744ce4450381fbf4dab47418ae93b} first deposit bonus up to 100 MYR, and also another 25{02dc7bd9acc64072ee8e5834202280dcce1744ce4450381fbf4dab47418ae93b} deposit bonus? Very confusing but I think it is meant that if you deposit more than 100 you will get 25{02dc7bd9acc64072ee8e5834202280dcce1744ce4450381fbf4dab47418ae93b}. So actually it is smarter to deposit 100 and get 210 (110 bonus) than to deposit 200 and get 250 (50 bonus).
New Member Free Credit No Deposit 2019
They also offer other kind of bonuses but this online casino definitely is not run by professionals and everything just feels wrong.
Regal88 review – are they trusted Malaysian online casino in 2020?
Regal88 is the last Malaysian online casino that we will look at in this review. So first impression
Talk about a confidence destroyer right, but these kind of attacks happen against every casino website so we will look past that. Still this kind of messaging is more effective through email and not on the homepage.
The homepage feels nice and right away you are notified that there is a 120{02dc7bd9acc64072ee8e5834202280dcce1744ce4450381fbf4dab47418ae93b} bonus available for new players. Regal88 offers live casino games, slots and sportsbook. They also offer something called GG fishing, I think it is poker in the GG poker network but I am not 100{02dc7bd9acc64072ee8e5834202280dcce1744ce4450381fbf4dab47418ae93b} sure as there is no info about it.
Overall a simple design but the bonuses are very weak, Regal88 offers only:
30 {02dc7bd9acc64072ee8e5834202280dcce1744ce4450381fbf4dab47418ae93b} New member bonus and 20{02dc7bd9acc64072ee8e5834202280dcce1744ce4450381fbf4dab47418ae93b} daily deposit bonus are one of the weakest that I have seen. But they are also not a nominent for the trusted online casino malaysia 2019 award.
I hoped that you enjoyed reading and can now make a well-informed decision.
New Member Free Credit No Deposit 2019 Schedule
if you have anything to add please do so in the comments and I will answer them. Good luck!
What is online casino Malaysia free credit?
In order to attract new customer, bigger Malaysia online casinos give free credit. This tactic is not usually used by smaller casinos, because by giving out free credit casino no deposit Malaysia 2019 codes, the casinos actually lose money.
How can players get Malaysia casino online, free credit?
Usually people start with searching for “new member free myr no deposit 2019” or “malaysia online casino free bonus no deposit required 2019.” Usually the searches that contain year show results that are more up-to-date.
There are couple things to remember when using free credit.
- Always check the turnover requirements, anything over 50 is very bad.
- You can only withdraw your winnings after you meet the turnover minimum
- Sometimes using a depositing bonus is more profitable than trying to use free credit
Always check the terms of the specific program, bonuses are not the most important thing. The nr 1 rule is that you need to look for a trusted online casino Malaysia and avoid agents. This will save so much trouble and your money will be safe.