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Free checking accounts offer the promise of avoiding the monthly maintenance fees that many banks charge on checking accounts, though some fees � even on free accounts � are unavoidable. Manage your account on the go with our mobile app Footnote [19]. Have more questions? FDIC insurance covers all types of deposit accounts � checking, savings, money market savings and CDs � as well as bank individual retirement accounts IRAs. You are now leaving our website and entering a third-party website over which we have no control.