Altabank Totally Free Checking Review

Altabank Totally Free Checking is a basic checking account designed for everyday banking without a monthly fee. It focuses on keeping things simple, with standard features like a debit card, online access, and bill pay.

This account may be a good fit if you want a no-monthly-fee option from a Utah-based bank (now part of Glacier Bancorp). The main tradeoff is that it is a non-interest-bearing account, so it is designed more for spending and daily use rather than earning on your balance.

This account is also included in UtahFi’s guide to the Best Checking Accounts in Utah. To learn more about this bank, read our full Altabank profile.

If you are looking for a business checking account from this bank, check our review of Altabank Totally Free Business Checking.

Quick Summary

Key Details

Basic Account Details

• Monthly fee: $0
• How to avoid the fee: No fee
• Minimum opening deposit: $0
• Minimum balance requirement: $0
• Interest-bearing or not: No

Access and Banking Tools

• Debit card: Yes
• Checks: Yes, 1 free box per year.
• Digital wallet: Yes
• ATM access: Yes. Allpoint network or any other bank part of Glacier Bancorp.
• Online banking: Yes
• Mobile banking: Yes
• Zelle or other P2P payments: Yes
• Online bill pay: Yes
• Account alerts: Yes
• Customer service: In-branch and phone support available
• Availability in Utah: Yes

Overdraft and Transaction Costs

• Overdraft fee: $30 per item
• NSF fee: $30 per item

Altabank Totally Free Checking is built for simple, everyday banking without ongoing maintenance costs. The main advantage is the $0 monthly fee, which makes it easy to use without tracking requirements or conditions.

It includes core checking features like a debit card, online banking, and bill pay, making it practical for managing daily expenses, deposits, and payments in one place.

What This Account Offers

Altabank Totally Free Checking is designed for simple, everyday banking without ongoing costs. You can use it for direct deposits, debit card purchases, bill payments, and routine transactions without worrying about a monthly maintenance fee.

It works well as a primary spending account, especially if you want to keep things straightforward. With online and mobile banking, you can check balances, move money, and manage payments without needing to visit a branch, while still having in-person support available in Utah when needed.

Because there is no minimum opening deposit and no minimum balance requirement, the account is easy to start and maintain. That makes it practical if you want flexibility, whether you’re opening your first account or adding a secondary account for daily use.

Deposits in this account are insured by the FDIC through Altabank for up to $250,000 per depositor, per ownership category. Read our What FDIC Insurance Means for Utah Bank Customers guide if you want to learn more about deposit insurance.

Fees to Know

*Altabank does not make available all fees in its website.

How to Open the Account

You can open Altabank Totally Free Checking online or by visiting a branch. The account does not require a minimum opening deposit, so you can start it without funding it upfront. If you want a step-by-step overview of the process, see how to open a bank account in Utah.

Documents Needed

• Name
• Email address
• Date of birth
• Social Security number
• Phone number
• Address
• Account information if you choose to fund the account at opening

If you are opening the account with another person, have all applicants present during the application process. If you are opening a joint account, have the same information ready for each applicant.

Pros and Cons

Pros

• No monthly maintenance fee
• No minimum opening deposit required
• No minimum balance requirement
• Visa debit card included
• Access to online and mobile banking
• Branch access available in Utah

Cons

• Does not earn interest
• Limited detailed fee transparency for some transactions
• No clearly stated ATM fee or reimbursement policy

Who This Account May Be Best For

Altabank Totally Free Checking may be a good fit if you want a simple, no-monthly-fee account for everyday use. It works well for managing direct deposits, debit card spending, and bill payments without needing to track balance requirements or activity rules.

It can also be a practical option if you prefer banking with a Utah-based institution that offers in-person branch access. If you are comparing options across the state, reviewing the Best Checking Accounts in Utah can help you see how this account compares to other no-fee and low-fee checking accounts.

Final Thoughts

Altabank Totally Free Checking stands out for its no monthly fee, no minimum opening deposit, and simple structure, making it easy to use as an everyday spending account.

The main limitation is that it is a non-interest-bearing account with limited detail on some features, so it is best suited for transactions rather than holding larger balances long term. If you want to learn more about the institution behind this account, read our Altabank profile.

COMPARING OPTIONS?

Disclaimer:
This page is not affiliated with, maintained by, or sponsored by Altabank. Information may change after publication, so please verify details directly with the institution. UtahFi does not guarantee the accuracy of this content. The name and logo are trademarks of Glacier Bancorp, Inc.