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The 7 Best Free Checking Accounts © (Getty Images) Young woman depositing check online with camera phone in living room Free checking accounts have slowly become more rare over the last several years. After the Dodd-Frank banking act took away much of the revenues banks saw from consumer and business debit card fees, checking account holders were hit with these new costs, says Cristopher Carillo, the co-founder of payment processing firm Allied Payments. In 2009, 76% of banks offered free checking. As of 2018, that number dropped to 38%. From monthly maintenance fees to ATM fees to overdraft fees, banks have found plenty of ways to squeeze an extra few dollars from their customers each month.

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