Best Bank for Military 2026: 22 Scored on Fees, Early Pay, SCRA Rate

1. Navy Federal: Free Active Duty Checking 96/100

Fees 25/25; ATM 15/15; early pay 15/15; SCRA 20/20; overdraft 6/10; complaints 15/15.

Monthly fee: $0

"no monthly service fees Footnote [4] and checking protection options to meet your needs" (source, Oct 28, 2026)

Military waiver: no monthly fee at all; account requires qualifying military direct deposit within 180 days or it converts to Free EveryDay Checking

"A qualifying military direct deposit must post to your Free Active Duty Checking account within 180 days of account opening. If the military direct deposit stops for more than 180 days, the account converts to a Free Eve..." (source, Oct 28, 2026)

ATM rebate: $20

"We'll refund up to $240 a year in ATM fees. Footnote [2] ... Up to $20.00 in ATM fee rebates per statement period." (source, Oct 28, 2026)

Overdraft: $20

"We will charge a fee of $20 each time we pay an overdraft. You will not be charged a fee on transactions of $20 or less. You will not be charged a fee if the amount you are overdrawn after all transactions have cleared o..." (source, Oct 28, 2026)

SCRA rate: 4%

"Navy Federal offers even more protection by capping pre-Active Duty debt at 4% and waiving account fees. ... Navy Federal Credit Union lowered the SCRA interest rate cap to 4% as a service to our members. ... The followi..." (source, Oct 28, 2026)

Foreign transaction fee: 1%

"Debit Card/CUCARD | Fee | Amount | Point-of-sale and ATM transactions made in foreign countries | 1% per transaction" (source, Oct 28, 2026)

Who can open it: Account: Active Duty, retired servicemembers and reservists with qualifying military direct deposit. Membership: armed forces, veterans, immediate family and household members, DoD civilians

"Service has its rewards. Early pay and ATM fee refunds Footnote [2] are standard issue for Active Duty, retired servicemembers and reservists. Free Active Duty Checking requires qualifying direct deposit. (Membership pag..." (source, Oct 28, 2026)

Deployment: Product page: manage money stateside, overseas or deployed; PCS resource hub; SCRA page: 4% cap on pre-service debt and account fee waiver

"Manage your money in a flash, whether you're stateside, overseas or deployed. Plus, you'll earn more on your money than you would with a regular checking account. ... When you get new orders, there are lots of details to..." (source, Oct 28, 2026)

Early pay: Publishes a military pay calendar

Navy Federal military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

6,752 tagged complaints; 10% closed with money back; 100% answered in 15 days. The full record.

robots.txt (navyfederal.org) disallows only /campaigns/* and /checking-savings/checking/wizard.html; none of the pages read are disallowed. All pages fetched with plain curl (default User-Agent), HTTP 200. The product URL given in the brief (/checking-savings/checking/checking-accounts/free-active-duty-checking.html) is a 404; the live product page is /checking-savings/checking/active-duty-checking.html. Fee amounts come from the HTML Fees & Charges page (/membership/fees-and-charges.html), not the PDF Schedule of Fees and Charges, which the page links by name without a PDF href. The product page itself says 'no monthly service fees' with a footnote that only qualifies Flagship Checking. The SCRA page's 4% cap applies to pre-service loans and credit products, not deposit accounts; no SCRA rate for deposit accounts is stated. Quotes are verbatim from the extracted page text; the em dash in the original copy was rendered as a comma in one quote (deployedFeatures), and curly apostrophes were normalized to straight ones.

Navy Federal's SCRA guide: rate, fees, how to file

2. USAA: Classic Checking 88/100

Fees 25/25; ATM 10/15; early pay 15/15; SCRA 20/20; overdraft 3/10; complaints 15/15.

Monthly fee: $0

Military waiver:

"not verified: usaa.com could not be read (see accessNotes)"

ATM rebate: $10

Overdraft:

"not verified: usaa.com could not be read (see accessNotes)"

SCRA rate: 4%

Foreign transaction fee:

"not verified: usaa.com could not be read (see accessNotes)"

Who can open it:

"not verified: usaa.com could not be read (see accessNotes)"

Deployment:

"not verified: usaa.com could not be read (see accessNotes)"

Early pay: Publishes a military pay calendar

USAA military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

2,815 tagged complaints; 8% closed with money back; 100% answered in 15 days. The full record.

usaa.com blocks automated reads (403 on robots.txt, October 28, 2026). Fee, ATM and SCRA facts are from this site's hand-read of USAA's pages for the best-bank guide (June 12, 2026) and the USAA SCRA guide; early pay from the USAA pay-dates page (October 16, 2026). Overdraft and foreign fees not carried.

USAA's SCRA guide: rate, fees, how to file

3. Capital One: 360 Checking 80/100

Fees 25/25; ATM 4/15; early pay 6/15; SCRA 20/20; overdraft 10/10; complaints 15/15.

Monthly fee: $0

"The 360 Checking account has no monthly cycle service charge and no minimum balance required to open or maintain the account." (source, Oct 28, 2026)

Military waiver: no monthly fee for any customer; no military-specific checking waiver stated

"There are no fees to open, keep or use your Capital One 360 no-fee checking account, or for foreign transactions. There may be some things you want or need to do with your account that will result in charges. If you requ..." (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.capitalone.com/bank/checking-accounts/online-checking-account/ ; the page says only 'the out of network ATM owner may' charge, with no reimbursement policy" (source, Oct 28, 2026)

Overdraft: $0

"You have several overdraft options to choose from: Auto-Decline, Free Savings Transfer, and no-fee overdraft. Auto-Decline: We generally decline transactions that cause overdrafts on your account. Free Savings Transfer: ..." (source, Oct 28, 2026)

SCRA rate: 4%

"No more than 4% interest on Capital One and Discover credit cards, personal loans, auto loans, and more¹. No fees assessed on accounts, except bona-fide insurance. ... Capital One's SCRA Program offers an interest rate o..." (source, Oct 28, 2026)

Foreign transaction fee: 0%

"There are no fees to open, keep or use your Capital One 360 no-fee checking account, or for foreign transactions." (source, Oct 28, 2026)

Who can open it: 360 Checking is open to anyone (no military-only account); SCRA benefits cover active duty servicemembers, reservists and National Guard members while on active duty

"The SCRA covers all active duty Servicemembers, reservists and members of the National Guard while on active duty." (source, Oct 28, 2026)

Deployment: deployment checklist (PDF on ecm.capitalone.com, not fetched), 24/7 Military Support line 1-855-227-1645 (1-855-CAP1-MIL), no fees for foreign transactions on 360 Checking; no deployment-specific fee refund stated

"Deployment Checklist What is a deployment checklist The checklist is a guide that suggests actions you may want to take as you prepare for deployment. ... 24/7 Military Support 1-855-227-1645 ... please give us a toll-fr..." (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

Capital One military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

4,581 tagged complaints; 4% closed with money back; 100% answered in 15 days. The full record.

robots.txt (www.capitalone.com) read 2026-10-28; the User-agent: * block disallows only /cars/idplogin, /cars/prequalify? and /cars/search?filters=ey, so every page used is permitted. Fetched with plain curl (default User-Agent), all HTTP 200: /bank/checking-accounts/online-checking-account/, /bank/disclosures/checking-accounts/online-checking-account/ (360 Checking disclosure and Overdraft Services text), /military/, /military/military-scra/, /bank/savings-accounts/online-performance-savings-account/. Both APY fields are null because the pages render the rate client-side and the fetched HTML literally says 'NaN'; the deployment checklist PDF lives on ecm.capitalone.com, whose /robots.txt returned an S3 AccessDenied error, so it was not fetched. Capital One has no military-specific checking product or fee waiver; the record describes the standard 360 Checking plus the capitalone.com/military SCRA statements. Quotes are verbatim.

Capital One's SCRA guide: rate, fees, how to file

4. Ally: Spending Account 74/100

Fees 25/25; ATM 10/15; early pay 6/15; SCRA 8/20; overdraft 10/10; complaints 15/15.

Monthly fee: $0

"No monthly maintenance fees, overdraft fees or minimum balance / Monthly maintenance $0" (source, Oct 28, 2026)

Military waiver: no monthly fee at all

"No branches means no monthly maintenance fees, overdraft fees or minimum balance for you." (source, Oct 28, 2026)

ATM rebate: $10

"Get reimbursed for ATM fees. Far from a no-fee ATM? Receive up to $10 per statement cycle for fees charged at other ATMs nationwide. [Deposit Agreement:] The ATM fees we reimburse include fees from U.S. ATM operators wit..." (source, Oct 28, 2026)

Overdraft: $0

"Overdraft items $0 / CoverDraft acts as an overdraft safety net. If you opt into this service, we'll cover you up to $100 (up to $250 when you set up qualifying direct deposits) at no charge on checks and transfers, debi..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://www.ally.com/help/auto/scra.html; ally.com's only SCRA page is for Ally auto finance: 'SCRA protection refers to the Servicemembers Civil Relief Act, a federal law that provides certain legal and fi..." (source, Oct 28, 2026)

Foreign transaction fee: 1%

"International transactions: Up to 1% [Spending page fee table]. Deposit Agreement Fee Chart: International Transaction Fee: Applies when a merchant or ATM operator located outside the U.S. originates a point-of-sale debi..." (source, Oct 28, 2026)

Who can open it: no military-specific account; standard consumer account

"No minimum deposit required to open an account." (source, Oct 28, 2026)

Deployment:

"not stated on https://www.ally.com/bank/interest-checking-account/; nothing about deployment on the Spending Account page or in the deposit agreement; the auto SCRA page gives a support line 1-877-713-5101 for auto contr..." (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

Ally military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

1,023 tagged complaints; 3% closed with money back; 100% answered in 15 days. The full record.

www.ally.com robots.txt: 'User-agent: *' disallows only /content/dam/static/js/tagging/; the pages and the deposit agreement PDF read are allowed (ClaudeBot/anthropic-ai training tokens are disallowed, but the reads here were plain curl with its default User-Agent, which falls under '*'). https://www.ally.com/bank/spending-account/ 301s to /bank/interest-checking-account/. Pages read with plain curl: Spending Account page, Savings Account page, Ally Bank Deposit Agreement PDF (pdftotext), and the auto SCRA help page. ally.com/help/military/ is a 404. Foreign fee is stated as 'up to 1%', recorded as 1.

Ally's SCRA guide: rate, fees, how to file

5. Service Credit Union: Everyday Checking 71/100

Fees 25/25; ATM 15/15; early pay 15/15; SCRA 8/20; overdraft 0/10; complaints 8/15.

Monthly fee: $0

"Are there any fees for these accounts? No. There is no monthly maintenance fee on our Everyday Checking account." (source, Oct 28, 2026)

Military waiver: no monthly fee at all; DFAS direct deposit unlocks the Direct Deposit+ tier benefits

"Tiers are assigned on the first of each month based on the prior month's activity and requirements are as follows. Basic: No Requirement. Direct Deposit: Direct Deposit of your Net Pay1 into your checking account each mo..." (source, Oct 28, 2026)

ATM rebate: $30

"*** ATM surcharge fees and foreign transaction fees will be rebated up to $15 a month for the Direct Deposit Checking Account tier and up to $30 a month for the Direct Deposit+ Checking Account tier. Excludes Basic Check..." (source, Oct 28, 2026)

Overdraft: $19

"±± A $19 overdraft fee will be assessed per presentment for the Dividend Checking account and Everyday Checking account. ... Everyday debit card and ATM transaction that are less than or equal to $15 will not be charged ..." (source, Oct 28, 2026)

SCRA rate:

"not stated: no SCRA or Servicemembers Civil Relief Act statement appears on https://servicecu.org/banking-for-military-members/, the Everyday Checking page, the fee and rate schedule, or any URL in https://servicecu.org/..." (source, Oct 28, 2026)

Foreign transaction fee: 1%

"Foreign Transaction Fee - debit .....................Up to 1% of the transaction amount [A foreign transaction is one with a foreign merchant regardless of where you may be located] (rebated up to $15 or $30 a month in t..." (source, Oct 28, 2026)

Who can open it: active duty, veterans, DoD employees (current or former) and their families; SEG employees; anyone via American Consumer Council membership

"Membership is open to active duty military members, veterans, Department of Defense employees (current or former) and their families, as well as employees of our Workplace Partners. Not a member of any of these groups? J..." (source, Oct 28, 2026)

Deployment: Deployed Warrior Savings 10% APY up to $10,000 in a combat zone; branches on 14 German bases; International Bill Pay; 24/7 support; overseas SMS line; foreign transaction fee rebates in the ATM rebate

"If you're currently serving active duty in a combat zone as defined by Service Credit Union, you may qualify for an annual savings rate of 10% APY with a deposit of up to $10,000. 2 ... With 37 branches in the United Sta..." (source, Oct 28, 2026)

Early pay: Publishes a military pay calendar

Service Credit Union military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

Below the directory threshold or not in the CFPB database under this name.

robots.txt (servicecu.org) is 'User-agent: * Disallow:' (nothing disallowed). All pages fetched with plain curl (default User-Agent), HTTP 200: /checking/, /checking/everyday-checking/, /banking-for-military-members/, /savings/military/, /rates/, /share-transfer-overdraft-protection/, /about-us/become-a-member/, sitemap, and the Fee Schedule PDF (FM 11-02 REV 02/26, 'Fee Schedule Effective February 11, 2026' with a rate schedule 'Effective October 16, 2026'), text extracted with pdftotext. Everyday Checking has no monthly fee at any tier, so the 'military waiver' is really the DFAS-keyed Direct Deposit+ tier (larger rebate, bigger loan discount). atmRebate value 30 is the Direct Deposit+ (DFAS) tier; the Direct Deposit tier is 15 and Basic is 0, and the cap is shared between ATM surcharges and foreign transaction fees. apySavings is the Primary Savings rate (5.00% on the first $500 only); the Deployed Warrior Savings 10% is a separate account noted in the quote. Quotes are verbatim; curly apostrophes normalized to straight ones; PDF table cells joined with slashes.

6. Armed Forces Bank: Access Freedom Checking 66/100

Fees 25/25; ATM 4/15; early pay 15/15; SCRA 8/20; overdraft 6/10; complaints 8/15.

Monthly fee: $0

"$0 Monthly Service Charge ... $5 monthly fee will be charged if paper statements are chosen." (source, Oct 28, 2026)

Military waiver: no monthly fee at all (eStatements required; $5 monthly fee if paper statements are chosen)

"Yes, there is no monthly service charge for an Access Freedom Checking Account. The Access Freedom Checking Account requires that you deposit a minimum of $25 and enroll in eStatements. If you choose to receive a monthly..." (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.afbank.com/personal/spend/access-freedom-checking-account or https://www.afbank.com/personal/spend (the compare table lists 'Unlimited ATM Fee Waivers' only under Access Investment Checking)" (source, Oct 28, 2026)

Overdraft: $20

"There is a $20 fee for each transaction we decide to pay. We don't charge this fee if the transaction amount is $5 or less. There is a $20 fee for each item that we decide not to pay and instead return. On any business d..." (source, Oct 28, 2026)

SCRA rate:

"not stated: no SCRA or Servicemembers Civil Relief Act statement appears on any afbank.com page read, and the sitemap (https://www.afbank.com/sitemap.xml) has no SCRA page" (source, Oct 28, 2026)

Foreign transaction fee:

"not stated on any afbank.com page read; the only fee document is the deposit account agreement PDF under /assets/files/btusLX5S/, which afbank.com's robots.txt disallows, so it was not fetched" (source, Oct 28, 2026)

Who can open it: anyone: active-duty, veterans, retirees, DoD, civilians and their families

"Founded in 1907 as Army National Bank and headquartered in Fort Leavenworth, Kansas, Armed Forces Bank as it was later rebranded is proudly serving active-duty, veterans, retirees, DOD, civilians, and their families in a..." (source, Oct 28, 2026)

Deployment:

"not stated on https://www.afbank.com/personal/spend/access-freedom-checking-account or https://www.afbank.com/personal/spend/military-early-pay (no deployment fee refund, international ATM, foreign fee waiver or support-..." (source, Oct 28, 2026)

Early pay: Publishes a military pay calendar

Armed Forces Bank military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

Below the directory threshold or not in the CFPB database under this name.

robots.txt (afbank.com, UTF-16 encoded) disallows /blog?*, /get-started?*, /assets/files/btusLX5S and the 'AFB Dep Acct Agreement 08-2025.pdf' under it; that PDF is the only fee-schedule document the site references and was NOT fetched. All other pages fetched with plain curl (default User-Agent), HTTP 200: product page, Access Freedom FAQs, compare page (/personal/spend), Military Early Pay and its FAQ, Overdrafts & Alternatives, Getting Started, This Is Who We Are, sitemap.xml. 'Access Checking' in the brief is read as Access Freedom Checking (the bank's free military checking). Out-of-network ATM withdrawal fee, ATM rebate, APY, foreign transaction fee, SCRA policy and deployment terms are null because no readable afbank.com page states them. Quotes are verbatim from the extracted page text with registered-mark symbols dropped.

7. U.S. Bank: Bank Smartly Checking (military benefits) 66/100

Fees 25/25; ATM 10/15; early pay 0/15; SCRA 10/20; overdraft 6/10; complaints 15/15.

Monthly fee: $12

"$12 Monthly Maintenance Fee 1 automatically waived for the first two months when you open a Bank Smartly Checking account. After that, most people continue to pay $0 by meeting just one of the following requirements: $1,..." (source, Oct 28, 2026)

Military waiver: waived for active duty military and veterans by self-disclosure (Military customer group); no direct deposit or balance needed

"Pay no monthly maintenance fees. $12 monthly maintenance fee waived for active duty military and veterans 3 ... Bank Smartly Checking account Monthly Maintenance Fee: For newly opened U.S. Bank Smartly Checking accounts,..." (source, Oct 28, 2026)

ATM rebate: first non-U.S. Bank ATM surcharge reimbursed per statement period, domestic only

"First non-U.S. Bank ATM surcharge reimbursed per statement period ... Military (requires self-disclosure) ... • Non-U.S. Bank ATM Surcharge reimbursed for the first fee charged by ATM Owner1,2,8 (one per statement period..." (source, Oct 28, 2026)

Overdraft: $36

"Overdraft Paid Fee4 Item Amount $5.00 or less no charge $5.01 or greater $36.00 per item4 ... In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, an Overdraft Paid F..." (source, Oct 28, 2026)

SCRA rate: 6%

"If you obtained your U.S. Bank mortgage, loan, line of credit, or credit card prior to being called to active duty, the Servicemembers Civil Relief Act (SCRA) allows a cap of 6% on the interest rate and a waiver of all f..." (source, Oct 28, 2026)

Foreign transaction fee: 3%

"International Processing Fee – U.S. Dollars 3% of transaction International Processing Fee – Intl Currency 3% of transaction" (source, Oct 28, 2026)

Who can open it: current or former members of the U.S. Armed Forces (self-disclosure; the bank may ask for verification); when one owner is in the Military customer group all owners on the account get the benefits

"Military checking benefits are available only to current or former members of the U.S. Armed Forces. We may request additional information for verification. ... Military (requires self-disclosure) When an account owner i..." (source, Oct 28, 2026)

Deployment: no deployment-specific checking feature stated; Military Service Center 800-934-9555 for SCRA requests; the military banking hub links a 'Financial checklist: Preparing for a military deployment' article; unlimited waivers of cashier's check, money order and stop payment fees for the Military group

"Enjoy free services. Free cashier's checks, personal money orders and stop payments (A Bank Smartly® Checking account and/or Smart Rewards® enrollment are not required to qualify for these benefits.) ... Financial checkl..." (source, Oct 28, 2026)

Early pay: No early pay

No early-pay page on this site.

Servicemember complaints (CFPB, 2023 to 2025)

1,016 tagged complaints; 9% closed with money back; 100% answered in 15 days. The full record.

robots.txt (www.usbank.com) read 2026-10-28; none of the pages used is disallowed (the PDF path /content/dam/usbank/en/documents/pdfs/disclosures/ is not covered by the /content/dam/private/ or commercial-banking rules). Fetched with plain curl (default User-Agent), all HTTP 200: /bank-accounts/checking-accounts/bank-smartly-checking.html, /bank-accounts/checking-accounts/military-checking-accounts.html, /military.html (301 to /about-us-bank/community/military-banking.html), /bank-accounts/checking-accounts.html, and the Consumer Pricing Information PDF (Effective August 10, 2026) extracted with pdftotext. An older PDF path (/dam/documents/pdf/consumer-pricing-information.pdf) 404s. atmFees value is the $3 charged after the four waived non-U.S. Bank transactions per statement period. Quotes are verbatim.

U.S. Bank's SCRA guide: rate, fees, how to file

8. PenFed: Access America Checking 65/100

Fees 18/25; ATM 4/15; early pay 15/15; SCRA 10/20; overdraft 3/10; complaints 15/15.

Monthly fee: $10

Military waiver:

"not verified: penfed.org could not be read (see accessNotes)"

ATM rebate:

"not verified: penfed.org could not be read (see accessNotes)"

Overdraft:

"not verified: penfed.org could not be read (see accessNotes)"

SCRA rate:

"not verified: penfed.org could not be read (see accessNotes)"

Foreign transaction fee:

"not verified: penfed.org could not be read (see accessNotes)"

Who can open it:

"not verified: penfed.org could not be read (see accessNotes)"

Deployment:

"not verified: penfed.org could not be read (see accessNotes)"

Early pay: Publishes a military pay calendar

PenFed military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

318 tagged complaints; 10% closed with money back; 100% answered in 15 days. The full record.

penfed.org did not answer automated reads on October 28, 2026. Fee waiver from this site's hand-read for the best-bank guide (June 12, 2026): Access America Checking waives its $10 fee with $500 in monthly direct deposits or a $500 daily balance, not a military rule; early pay from the PenFed pay-dates page (October 16, 2026). SCRA rate: PenFed states the statutory 6% (this site's PenFed SCRA guide).

PenFed's SCRA guide: rate, fees, how to file

9. SoFi: SoFi Checking and Savings 64/100

Fees 25/25; ATM 0/15; early pay 6/15; SCRA 8/20; overdraft 10/10; complaints 15/15.

Monthly fee: $0

"Monthly maintenance fee $0 / Minimum balance fee $0 / Overdraft Fee $0 (SoFi Bank Fee Sheet, Fees Effective as of May 18, 2026). Checking page footnote 2: We do not charge any account, service, or maintenance fees for So..." (source, Oct 28, 2026)

Military waiver: no monthly fee at all

"Monthly maintenance fee $0" (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.sofi.com/legal/banking-fees/; no reimbursement of third-party ATM fees is stated on the fee sheet or checking page" (source, Oct 28, 2026)

Overdraft: $0

"Overdraft Fee $0 / Return Item fee $0 [fee sheet]. Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://www.sofi.com/scra-military-benefits/; the page states only: 'Servicemembers on "active duty" or "active service," or a spouse or dependent of such a Servicemember may be entitled to certain legal pr..." (source, Oct 28, 2026)

Foreign transaction fee: 0%

"Point of Sale (POS) Transactions – Domestic/ International $0 per transaction" (source, Oct 28, 2026)

Who can open it: no military-specific account; general consumer account, opening subject to approval (SoFi's eligibility criteria page not read)

"Account opening is subject to approval. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC." (source, Oct 28, 2026)

Deployment:

"not stated on https://www.sofi.com/scra-military-benefits/; nothing about deployment on the SCRA page, checking page or fee sheet" (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

SoFi military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

391 tagged complaints; 6% closed with money back; 100% answered in 15 days. The full record.

www.sofi.com robots.txt disallows only unrelated paths (/wealth/, /dashboard/, /banking-service/, etc.); the pages read are allowed. sofi.com/legal/banking-fees/ and /legal/banking-rate-sheet/ each 301 to SoFi's own PDF on its CDN (d32ijn7u0aqfv4.cloudfront.net ... SoFi-Bank-Fee-Sheet-May-18-2026.pdf and SoFi-Bank-Rate-Sheet-October-20-2026.pdf), which are the documents the sofi.com footnotes cite; text extracted with pdftotext. Pages read with plain curl: checking account page, banking page, fee sheet, rate sheet, SCRA page. The SoFi Plus 4.70% savings tier requires a paid SoFi Plus subscription; the 4.40% figure is a six-month promotional boost.

SoFi's SCRA guide: rate, fees, how to file

10. Bank of America: Advantage Banking 60/100

Fees 25/25; ATM 4/15; early pay 0/15; SCRA 10/20; overdraft 6/10; complaints 15/15.

Monthly fee: $12

"Monthly maintenance fee for Advantage Plus Banking account - $12.00 To avoid the monthly maintenance fee, meet one of the following requirements during each statement cycle: • Have at least one qualifying direct deposit ..." (source, Oct 28, 2026)

Military waiver: waived when you qualify for and request Military Banking benefits (SCRA-based eligibility, requested through the bank's benefits form)

"When you qualify for military benefits, we'll waive monthly maintenance fees and ATM fees, plus enact Servicemember Civil Relief Act (SCRA) benefits to ease your financial obligation. ... Fees waived: If you are eligible..." (source, Oct 28, 2026)

ATM rebate:

"not stated for military customers on https://www.bankofamerica.com/military-banking/benefits/ ; the only ATM operator fee refund in the fee schedule is tied to BofA Rewards tiers (Preferred Plus: 'receive a refund of the..." (source, Oct 28, 2026)

Overdraft: $10

"Overdraft Item Fee $10.00 each item • During end-of-day processing, when we determine that you do not have enough available funds in your account to cover an item, then we either pay the item and overdraw your account (a..." (source, Oct 28, 2026)

SCRA rate: 6%

"Under SCRA, if you provide notice that you're on active duty, lenders generally can't impose an interest rate higher than 6% on debts incurred prior to active duty. The 6% rate is in effect for your entire active duty se..." (source, Oct 28, 2026)

Foreign transaction fee: 3%

"International Transaction Fee • International transaction in a foreign currency: 3% of the U.S. dollar amount • International transaction in U.S. dollar: $0 • Fee applies if you use your ATM or Debit card to purchase goo..." (source, Oct 28, 2026)

Who can open it: servicemembers called to active duty under Federal Orders (state-ordered National Guard duty not eligible); benefits may be requested up to 180 days after completing military service; spouses can request on the member's behalf; the eligibility checker sits behind the bank's secure benefits form

"To receive benefits you must be called to active duty under Federal Orders by the President or the Secretary of Defense. A call to duty by a governor is not eligible. Some states do provide benefits for state-ordered dut..." (source, Oct 28, 2026)

Deployment: Preparing-for-deployment FAQ (power of attorney, spouse access, direct deposit of pay while deployed, automatic bill pay, paperless statements, international wire transfers), 'Order foreign currency online' resource, military contact line 800.334.1920; fee waivers on monthly maintenance, ATM, wire, debit card replacement and check order fees for eligible members

"Can I set up direct deposit of my pay while I'm on deployment? Yes, and it's easy to do. ... Can my spouse access my account while I'm deployed? Yes, if your accounts are joint accounts or you've provided your spouse wit..." (source, Oct 28, 2026)

Early pay: No early pay

Bank of America military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

2,581 tagged complaints; 23% closed with money back; 98% answered in 15 days. The full record.

robots.txt (www.bankofamerica.com) read 2026-10-28: Disallow includes /deposits/*.pdf$, /products/deposits/ and /financial-wellness/. Pages fetched with plain curl (default User-Agent), all HTTP 200: /military/ (301 to /military-banking/overview/), /military-banking/benefits/, /military-banking/protections/, /military-banking/military-banking-faqs/, promotions.bankofamerica.com/deposits/militarysolutions (301 to the same overview), /deposits/checking/advantage-banking/, /deposits/account-rates-fees-faqs/. /deposits/checking/safebalance-banking/ returned HTTP 405 to curl (with and without trailing slash) so SafeBalance terms come from the fee schedule. FEE SCHEDULE PROVENANCE, for the caller to judge: the disallowed /deposits/resources/personal-schedule-fees.pdf was NOT fetched. The Advantage Banking product page's own 'Personal Schedule of Fees' link points to /salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US, which curl returned as HTTP 200; that path begins with /salesservices/ and is not matched by any Disallow rule, but the response body is the same Personal Schedule of Fees PDF (Effective August 7, 2026), extracted with pdftotext. Every $-figure and the 'Non-interest bearing' statements come from that document; the military fee-waiver, SCRA and eligibility quotes come from the HTML military-banking pages. The Advantage Banking product page itself templates its fee amounts ({...monthlyMaintenanceFee::$XXXX}) and loads them by ZIP code, so no dollar figure was readable there except 'minimum opening deposit of $25 or $100'. monthlyFee value uses Advantage Plus ($12); SafeBalance is $4.95. The military pages never state which checking product the waiver applies to, nor a deposit-account SCRA rate. Quotes are verbatim.

Bank of America's SCRA guide: rate, fees, how to file

11. Chase: Premier Plus Checking 60/100

Fees 25/25; ATM 0/15; early pay 6/15; SCRA 8/20; overdraft 6/10; complaints 15/15.

Monthly fee: $25

"Monthly Service Fee $25 or $0 with $15,000+ average beginning day balances, qualifying linked accounts or current servicemembers and veterans." (source, Oct 28, 2026)

Military waiver: current servicemember or veteran of the U.S. Armed Forces, opening in branch with a qualifying military ID or other proof of military service shown to a Chase banker (no direct deposit required)

"You can avoid the fee with ONE of the following each monthly statement period: ... An account owner who is a current servicemember or veteran of the U.S. Armed Forces who open in branch with a qualifying military ID or o..." (source, Oct 28, 2026)

ATM rebate: $0

"There is no Chase fee at non-Chase ATMs. Surcharge Fees from the ATM owner/network still apply. (No surcharge refund is stated for Premier Plus Checking; the fee schedule lists 'Refund of ATM Surcharge Fees charged to yo..." (source, Oct 28, 2026)

Overdraft: $34

"$34 Overdraft Fee per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than $50. • Maximum of 3 fees per business day (up to $102) We won't charge..." (source, Oct 28, 2026)

SCRA rate:

"no rate stated: 'You may be eligible for SCRA benefits or protections if you're an active-duty servicemember, or a member of the National Guard or reserve and called to active duty. These benefits and protections may inc..." (source, Oct 28, 2026)

Foreign transaction fee: 0%

"There is no Chase fee for Foreign Exchange Rate Adjustments on debit card purchases or ATM withdrawals using your debit/ATM card in currencies other than U.S. dollars. This benefit will begin the next business day after ..." (source, Oct 28, 2026)

Who can open it: fee waiver: current servicemembers and veterans of the U.S. Armed Forces with proof of service (military ID, DD-214, LES, VA ID, etc.), opened in branch; wire-fee benefit: active duty and reserve members of Air Force, Army, Coast Guard, Marines, Navy, Space Force and National Guard with military direct deposit

"Options for proof of Military status: Driver's license or state-issued ID with military indicator Enlistment/ Reenlistment Document (DD-4) Leave and Earning Statement Military ID with photo Uniformed Services Privilege a..." (source, Oct 28, 2026)

Deployment: no Chase fees at ATMs across the globe, no foreign exchange rate adjustment fees, no Chase fee for incoming or outgoing wires with military direct deposit (starts next business day after the deposit, lasts 180 days after the last one); Chase Military Services 1-877-469-0110 (international 1-318-340-3308); no deployment-specific fee refund stated

"No Chase fees on ATMs across the globe, no foreign exchange rate adjustment fees ... No Chase fee for incoming or outgoing wire transfers when you have your military pay (excluding allotments) directly deposited into you..." (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

Chase military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

3,342 tagged complaints; 7% closed with money back; 100% answered in 15 days. The full record.

robots.txt (www.chase.com) read 2026-10-28; none of the pages used is disallowed (the fee PDF is under /content/dam/chase-ux/, not a disallowed path). Fetched with plain curl (default User-Agent), all HTTP 200: /personal/checking/premier-plus-checking, /personal/checking (redirects to personal.chase.com), /digital/military/personal, /digital/military/scra, personal.chase.com/personal/secure-banking, /digital/disclosures-and-interest-rates-personal, /personal/savings/interest-savings, and the Deposit Account Agreement – Additional Banking Services and Fees PDF (ABSF-en.pdf, Effective 6/14/2026) extracted with pdftotext. /personal/military and /personal/checking/secure-banking 404; the live URLs are the /digital/military/personal and personal.chase.com ones above. Premier Plus footnote text on the product page sits in embedded JSON fragments, decoded and quoted verbatim. Chase Secure Banking (the $4.95-or-$0 account): '$4.95 or $0 Monthly Service Fee ... You can avoid the fee with ONE of the following each monthly statement period: $250+ in qualifying electronic deposits', '$0 Monthly Service Fee for 17-24 year olds', 'No overdraft fees, spend only what you have', early direct deposit up to two business days, no Chase fee and refund of ATM surcharges at non-Chase ATMs per the fee schedule; it has NO military-specific waiver on its page. Rates (checking and Premier Savings) are served by ZIP code and were not readable. Quotes are verbatim.

Chase's SCRA guide: rate, fees, how to file

12. Hanscom FCU: Your Way Checking 59/100

Fees 25/25; ATM 0/15; early pay 12/15; SCRA 8/20; overdraft 6/10; complaints 8/15.

Monthly fee: $0

"Your Way Checking / No minimum balance. / No monthly service fees [Fee schedule:] YOUR WAY CHECKING / MINIMUM BALANCE TO OPEN $0.00 / MONTHLY FEE $0.00 / MINIMUM BALANCE TO AVOID MONTHLY FEE N/A" (source, Oct 28, 2026)

Military waiver: no monthly fee at all (no military-specific waiver needed)

"Monthly Service Fee / Your Way Checking $0.00 / Premier Checking $9.95 (waived with minimum balance)" (source, Oct 28, 2026)

ATM rebate: waiver of HFCU's own $1.25 fee on first 10 out-of-network transactions per month; no third-party surcharge rebate stated

"Unlimited free In-network ATM transactions. Up to 10 out-of-network HFCU fees waived monthly [...] ATM Fees / Your Way Checking / Up to 10 non-HFCU ATM fees waived per month / Premier Checking / All non-HFCU fees waived ..." (source, Oct 28, 2026)

Overdraft: $30

"NSF Fee Paid - Overdraft (per item)* $30.00 / NSF Fee Returned (per item / per presentment)* $30.00 / *Maximum 2 Returned or Paid NSF Fees per day. Fee will be waived if the amount of the transaction or overdraft amount ..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://www.hfcu.org/why-us/about-hanscom-fcu/join-hanscom-fcu.html (no SCRA or military interest-rate policy is stated on the join, checking, fees or rates pages; the fees page links only a Military Lendin..." (source, Oct 28, 2026)

Foreign transaction fee: 1.1%

"Mastercard(R) International Assessment Fee 1.10% [Disclosure for Personal Accounts: As a result, we charge you a Currency Conversion fee and a Cross-Border Transaction fee as defined in the Account Fee Schedule.]" (source, Oct 28, 2026)

Who can open it: active duty or retired military; immediate family of a member; federal government employees in Massachusetts; partner employers; community partner organizations

"How can I become a member? Community Involvement - You can join Hanscom FCU when you're a member of one of our partner organizations. [...] Family Relationship - Someone in your immediate family is a current member. Bank..." (source, Oct 28, 2026)

Deployment:

"not stated on https://www.hfcu.org/why-us/about-hanscom-fcu/join-hanscom-fcu.html (no deployment, overseas or military-support features are stated on the join, checking, debit card, fees or rates pages)" (source, Oct 28, 2026)

Early pay: Early pay named for military deposits

Hanscom FCU military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

Below the directory threshold or not in the CFPB database under this name.

hfcu.org/robots.txt returns 404 (no restrictions). All fetches plain curl, HTTP 200 except the sitemap-listed Free-Checking-Member-Communication-Letter.pdf (404). Hanscom has no military landing page; Your Way Checking is its no-fee account. The Schedule of Account Fees PDF (Effective 5/2026) uses a custom font encoding, so pdftotext output was decoded with a character-substitution map built from known phrases; the quoted figures ($1.25, $30.00, 1.10%, $9.95, $0.00, $5.00) were cross-checked against the HTML checking page and rates page where those pages state the same item. The ATM-waiver count line in the PDF lost its numerals in decoding, so the '10' comes from the HTML checking page. Fee schedule 'Massachusettes' and 'Personalijed' typos are decode/verbatim artifacts.

13. Chime: Chime Checking Account 57/100

Fees 25/25; ATM 0/15; early pay 6/15; SCRA 8/20; overdraft 10/10; complaints 8/15.

Monthly fee: $0

"No monthly service fees. No minimum balance requirements. / Chime has no minimum balance, monthly fees, or overdraft fees." (source, Oct 28, 2026)

Military waiver: no monthly fee at all

"No monthly fees and no minimum balance fees" (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.chime.com/checking-account/; no ATM fee reimbursement is mentioned on the checking or fees page" (source, Oct 28, 2026)

Overdraft: $0

"No overdraft fees. / Overdraft up to $200 on debit and credit purchases with no fees when you qualify for SpotMe. / There is no fee for declining transactions or for utilizing SpotMe. / Eligibility for SpotMe requires $2..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://www.chime.com/checking-account/; no SCRA statement on the checking, fees or savings pages" (source, Oct 28, 2026)

Foreign transaction fee: 0%

"You can use your Chime card in most countries where Visa is accepted. You do not need to notify Chime before you travel internationally. Chime does not charge foreign transaction fees." (source, Oct 28, 2026)

Who can open it: anyone 18+ who is a U.S. citizen or resident of one of the 50 states; no military-specific account

"There are a few basic requirements to open an online checking account. 18+ U.S. Citizen or resident of one of the 50 United States. / It is free to apply for a Chime checking account." (source, Oct 28, 2026)

Deployment:

"not stated on https://www.chime.com/checking-account/; nothing about deployment; help center says only 'You do not need to notify Chime before you travel internationally.'" (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

Chime military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

Below the directory threshold or not in the CFPB database under this name.

www.chime.com/robots.txt returned HTTP 403 with a noindex challenge page to plain curl, so Chime's robots directives could not be read; no bot check was attempted. WebFetch (its own crawler identity) returned the marketing pages normally, so quotes for chime.com pages come from WebFetch extracts and are verbatim-as-returned but not from a raw HTML copy on disk; the savings APY text was partly summarized by the extractor (bracketed parts). help.chime.com/robots.txt allows all paths except /search (crawl-delay 2, honored) and the international-use help page was read with plain curl; its quote is verbatim from the raw HTML. Not read: Chime's deposit account agreement PDF (link not surfaced by the extractor).

14. Security Service FCU: Power Checking 55/100

Fees 25/25; ATM 0/15; early pay 12/15; SCRA 10/20; overdraft 0/10; complaints 8/15.

Monthly fee: $0

"Our Free Checking account has no monthly account maintenance fee, no minimum balance requirement, and no fee for standard transactions. Certain fees may apply for optional services." (source, Oct 28, 2026)

Military waiver: no monthly fee at all (no military-specific waiver needed)

"No monthly fee. No minimum balance. [...] *“Free Checking” refers to the Power Checking account. For additional details, refer to Truth in Savings." (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.ssfcu.org/-/media/files/application-disclosures/consumer-fee-schedule.pdf (no out-of-network ATM fee rebate or refund appears on the fee schedule or the Free Checking page; only the 30,000 fee-f..." (source, Oct 28, 2026)

Overdraft: $32.5

"Overdraft (OD) Fee $32.50 (Daily limit of $97.50 per account) [...] Non-Sufficient Funds (NSF) Fee $32.50 (Daily limit of $32.50 per account). Overdraft Privilege policy: Items or transactions presented against the Avail..." (source, Oct 28, 2026)

SCRA rate: 6%

"Servicemembers Civil Relief Act – As an active member of the armed forces, the SCRA provides interest rates capped at 6.00% APR* on pre-existing loans to those who qualify." (source, Oct 28, 2026)

Foreign transaction fee: 1.1%

"Debit Card Foreign Transaction Fee / Currency Conversion Assessment .2% of the transaction amount / Cross-Border Transaction .9% of the transaction amount" (source, Oct 28, 2026)

Who can open it: live/work/worship/school/volunteer in Texas, Colorado or Utah; select military branches/units or DoD employees at specific bases in the service areas; family or household member of a member

"You may qualify for membership if: You live, work, worship, attend school, volunteer, or your business is located in Texas, Colorado, or Utah. You’re a member of select military branches/units or a Department of Defense ..." (source, Oct 28, 2026)

Deployment: dedicated military phone line; expedited LES direct deposit; military deployment loans; deployment services (insurance reduction, vehicle shipping approval); free ATMs in US, Canada and Mexico City; shared branching

"Dedicated Military Line 1.866.809.6332 Call our dedicated military line and reach a live person. Expedited Direct Deposit Receive your military LES direct deposit 1-3 days before its set posting date. [...] Military Depl..." (source, Oct 28, 2026)

Early pay: Early pay named for military deposits

Security Service FCU military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

25 tagged complaints. The full record.

robots.txt (ssfcu.org) disallows only /banking/; nothing fetched under it. All pages fetched with plain curl, HTTP 200. Account choice: the site has three consumer checking products; Power Checking is the no-fee one (the Free Checking page states that 'Free Checking' refers to the Power Checking account) and the Military Services pages do not name a separate military checking product, so the no-fee account is what a servicemember would open. Power Protected Checking ($9/month, waived at $50,000 average daily balance) exists but is not military-specific. foreignTransactionFee value 1.1 is the sum of the two line items on the fee schedule (0.2% + 0.9%). scraRate is the 6% statutory cap on pre-existing loans; no deposit-side or above-statute SCRA policy is stated. Fee schedule is dated Effective 07/21/2026; rates page APY accurate as of 10/26/26 per its footnote.

Security Service FCU's SCRA guide: rate, fees, how to file

15. Andrews FCU: Online Checking 53/100

Fees 25/25; ATM 0/15; early pay 12/15; SCRA 8/20; overdraft 0/10; complaints 8/15.

Monthly fee: $10

"Checking Account - Online2 / Fee may be avoided if account criteria is met. / $10.00 [...] Checking Account - Forces4 / Fee may be avoided if direct deposit requirement is met. / $10.00" (source, Oct 28, 2026)

Military waiver: U.S. Military member status (Online Checking); or $500/month direct deposit from a military source (Forces Checking)

"The $10 monthly fee will be waived if you meet one of the following criteria: complete at least 10 debit card transactions each month, or you are under 24 years old, or you are a U.S. Military member. [Fee schedule footn..." (source, Oct 28, 2026)

ATM rebate: $0

"Not offered on Online Checking. Kasasa Cash Back Checking only: Up to $25 in ATM refunds monthly (https://www.andrewsfcu.org/checking/checking-accounts)." (source, Oct 28, 2026)

Overdraft: $32

"Privilege Pay Fee9 / Overdraft Protection for Checks & ACH / $32.00 [...] Non-Sufficient Funds (NSF) Return Charge7 $32.00. Online Checking page: This account is not eligible for Privilege Pay, our courtesy payment overd..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://www.andrewsfcu.org/military (the Military Hub page does not mention SCRA or any interest-rate policy)" (source, Oct 28, 2026)

Foreign transaction fee: 1%

"Foreign Transaction Fee12 / 1% of the transaction amount" (source, Oct 28, 2026)

Who can open it: active duty or reserve military; retired military; military/DoD spouses, dependents and dependent survivors; DoD civilians and contractors; Joint Base Andrews and Joint Base McGuire-Dix-Lakehurst; DoD personnel in the Netherlands, Belgium and northern/central Germany; family/household of a member; select employer groups; anyone via American Consumer Council membership

"Are you active duty or reserve military? [...] Are you retired military? [...] Are you a military spouse, dependent or dependent survivor? [...] Are you a Department of Defense civilian or contractor? [...] Are you assig..." (source, Oct 28, 2026)

Deployment: overseas branches in Belgium, Germany and the Netherlands; IBAN and multi-currency bill pay/transfers; Overseas Utility Relief Grant up to $2,500 and 0.00% APR loan up to $5,000; overseas vehicle financing; TDY/deployment/PCS support appointments; toll-free number outside the US

"From paying bills in local currency to transferring funds across borders, our team is ready to serve you on military installations in Belgium, Germany, and The Netherlands, as well as at our many U.S. locations. [...] Ne..." (source, Oct 28, 2026)

Early pay: Early pay named for military deposits

Andrews FCU military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

Below the directory threshold or not in the CFPB database under this name.

robots.txt (andrewsfcu.org) has an empty Disallow; all pages fetched with plain curl, HTTP 200. The Military Hub page links no specific checking product, so the account was chosen from the fee schedule: Online Checking is the only product page that states a military waiver verbatim; 'Forces' Checking (military direct deposit waiver) appears only in the fee table and the Privilege Pay eligibility list on the disclosures page, with no product page, rates or minimums. atmRebate recorded as 0 for Online Checking because the only refund on the site ($25/month) is attached to Kasasa Cash Back Checking. Fee table says 'Updated 04/30/2025; Reviewed 04/30/2025'. Fee page fetched as HTML (its PDF link was not needed).

16. Wells Fargo: Everyday Checking with the Worldwide Military Banking program 53/100

Fees 18/25; ATM 0/15; early pay 6/15; SCRA 8/20; overdraft 6/10; complaints 15/15.

Monthly fee: $15

"Monthly service fee $15 You can avoid the monthly service fee with one of the following each fee period: $500 or more in total qualifying electronic deposits $1,500 minimum daily balance $5,000 or more in qualifying depo..." (source, Oct 28, 2026)

Military waiver: qualifying monthly non-civilian military direct deposit (DOD/DFAS, VA/VBA or Treasury military pay, pension or disability) under Worldwide Military Banking; benefits start 45 days after the deposit and end 180 days after the last one

"Simply set up a qualifying monthly non-civilian military direct deposit and receive the following on your eligible Wells Fargo checking account : No Monthly Service Fee No Wells Fargo access fees on ATM cash withdrawal t..." (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.wellsfargo.com/military/worldwide-military-banking/ ; the program waives Wells Fargo's own access fee worldwide but says nothing about reimbursing the ATM operator's surcharge (the fee summary n..." (source, Oct 28, 2026)

Overdraft: $35

"Overdrafts we pay $35 per item when you don't have enough money in your checking account or in accounts linked for Overdraft Protection to cover a transaction No fee on items $10 or less No fee if both your ending daily ..." (source, Oct 28, 2026)

SCRA rate:

"not stated (no rate given): SCRA benefits Wells Fargo is committed to providing the benefits and protections required by the Servicemembers Civil Relief Act (SCRA). We appreciate the service of America's military personn..." (source, Oct 28, 2026)

Foreign transaction fee: 0%

"With Worldwide Military Banking: No international purchase transaction fees. Standard Everyday Checking fee: International purchase transaction fee 3% of U.S. dollar amount For each debit card purchase in a foreign curre..." (source, Oct 28, 2026)

Who can open it: actively serving, retired from the military, or a disabled veteran, with a qualifying non-civilian military direct deposit (DOD/DFAS, VA/VBA or Treasury military pay, pension or disability benefits)

"This benefit is available if you are actively serving in the military, retired from the military, or a disabled veteran." (source, Oct 28, 2026)

Deployment: no Wells Fargo ATM access fees at any non-Wells Fargo ATM worldwide, no non-Wells Fargo bank cash disbursement fees worldwide, no international purchase transaction fees; dedicated Military Banking line 1-855-USA-2WFB (Mon-Fri 7 am-8 pm Central); 'Prepare for deployment?' and 'Send money overseas?' help links

"No Wells Fargo access fees on ATM cash withdrawal transactions at any non-Wells Fargo ATM worldwide No non-Wells Fargo bank cash disbursement fees worldwide No international purchase transaction fees ... Questions? Call ..." (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

Wells Fargo military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

3,695 tagged complaints; 7% closed with money back; 100% answered in 15 days. The full record.

robots.txt (www.wellsfargo.com) read 2026-10-28; none of the pages used is disallowed. All pages fetched with plain curl (default User-Agent), HTTP 200: /military/, /military/worldwide-military-banking/, /checking/, /checking/everyday/, /checking/everyday/account-fees-summary/ (fee summary CNS2016ED effective 7/28/2026), /checking/everyday/everyday-monthly-service-fee/, /mobile-online-banking/consumer-account-fees/. atmFees and foreignTransactionFee values reflect the account once enrolled in Worldwide Military Banking (the standard $3/$5 ATM and 3% fees are quoted alongside). The Consumer Account Fee and Information Schedule PDF was not needed; every figure came from HTML pages. Quotes are verbatim page text.

Wells Fargo's SCRA guide: rate, fees, how to file

17. Langley FCU: Free Checking 47/100

Fees 25/25; ATM 0/15; early pay 6/15; SCRA 8/20; overdraft 0/10; complaints 8/15.

Monthly fee: $0

"Your money, your way — No monthly fees. No minimum balance. No nonsense." (source, Oct 28, 2026)

Military waiver: no monthly fee at all (no military-specific waiver needed)

"Your money, your way — No monthly fees. No minimum balance. No nonsense. [Join page:] No Military Affiliation Required!" (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.langleyfcu.org/fees-and-charges (no out-of-network ATM fee rebate or refund appears on the fee schedule or the Free Checking page)" (source, Oct 28, 2026)

Overdraft: $29

"Courtesy Pay Service – Check, ACH, Debit (each item paid) $29.00 [...] Non-Sufficient Funds / Check, ACH (per presentment for each item returned) & ATM $25.00 / Atuomated Overdraft Transfer Available Funds to Checking $5..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://www.langleyfcu.org/checking-free (no SCRA or military interest-rate policy is stated anywhere found on the domain; the only military mention is 'No Military Affiliation Required!' on the join page)" (source, Oct 28, 2026)

Foreign transaction fee: 1%

"A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account." (source, Oct 28, 2026)

Who can open it: open to anyone meeting the $5 savings deposit and credit score 600 requirement; no military affiliation required

"What You Need to Apply: Social Security Number / Proof of name, address, and birthday / $5 to open your account / No Military Affiliation Required!" (source, Oct 28, 2026)

Deployment: foreign transaction fee exempts U.S. military bases; nothing else deployment-specific stated

"A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates..." (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

Langley FCU military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

Below the directory threshold or not in the CFPB database under this name.

robots.txt (langleyfcu.org) disallows /assets, /img, /apply, /errors, /forms, /search, /site and careers subfolders; nothing fetched under those (the /documents/ PDFs and /disclosures/ pages are allowed). All fetches plain curl, HTTP 200. Langley has no military page or military product; Free Checking is its no-fee account and the one a servicemember would open. The site's 'Foreign Machine Use $2.00' is its out-of-network ATM fee (not a foreign-country fee). The Truth in Savings PDF (LFCU_Truth_Rates_Oct_01_2026_NMD_Updated.pdf) is a 'Microsoft: Print To PDF' image with no text layer, so checking APY and the formal minimum-to-open could not be read from it; no OCR was attempted. Fee page 'Atuomated' typo is verbatim.

18. RBFCU: Really Free Checking 47/100

Fees 25/25; ATM 0/15; early pay 6/15; SCRA 8/20; overdraft 0/10; complaints 8/15.

Monthly fee: $0

"$0 monthly maintenance fee and $0 minimum balance [...] our Really Free Checking account includes no monthly maintenance fee and no minimum balance requirements." (source, Oct 28, 2026)

Military waiver: no monthly fee at all (no military-specific waiver needed)

"Checking Accounts / Really Free Checking / FREE" (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.rbfcu.org/docs/default-source/checking-and-savings/fee_schedule.pdf?sfvrsn=d6ed2a8_113 (no out-of-network ATM fee rebate or refund is stated on the fee schedule or the Really Free Checking page)" (source, Oct 28, 2026)

Overdraft: $24

"We will charge you a $24 Courtesy Pay Fee each time we pay an overdraft for transactions over $5. There is a limit of five (5) total Courtesy Pay and Insufficient Funds Fees combined we can charge you per day for overdra..." (source, Oct 28, 2026)

SCRA rate:

"not stated as an institution policy: the only SCRA text on rbfcu.org is a hosted HUD mortgage SCRA notice PDF restating the statute, not a military page policy: The SCRA states that a debt incurred by a servicemember, or..." (source, Oct 28, 2026)

Foreign transaction fee: 0%

"Foreign Transaction FREE / A foreign transaction includes but is not limited to internet transactions with a merchant who processes the transaction in a foreign country. [Membership Agreement:] RBFCU does not charge any ..." (source, Oct 28, 2026)

Who can open it: more than 5,000 ways: where you live, work, worship or attend school; employer or organization; immediate family or household of a member; no military-specific path named

"There are several ways to qualify for membership with RBFCU. Common ways to qualify for membership include your employer, place of worship, community organization, neighborhood or school. You may also qualify through imm..." (source, Oct 28, 2026)

Deployment:

"not stated on https://www.rbfcu.org/banking/really-free-checking-account (no military or deployment-specific features are stated on the product page, membership page or fee schedule; the only military material on the dom..." (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

RBFCU military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

Below the directory threshold or not in the CFPB database under this name.

robots.txt (rbfcu.org) disallows /nola, /docs/default-source/web/ and two mortgage PDFs; the checking-and-savings, consumer-lending and membership PDF folders fetched here are not disallowed. All fetches plain curl, HTTP 200. Really Free Checking is RBFCU's only consumer checking product (youth checking aside) and there is no separate military checking page. Fee schedule, TIS and overdraft notice are all revision M161AA R 03-01-26. The SCRA figure is the HUD-form statutory 6% cap, not an RBFCU-specific rate. APYs could not be read because the rates page is JavaScript-rendered; no attempt was made to call its scripts' endpoints. scraRate set to null by the reviewer: the 6 percent figure is the statutory cap in a HUD notice disclosure PDF, not an RBFCU military-page policy.

19. Tower FCU: Free Checking 47/100

Fees 25/25; ATM 0/15; early pay 6/15; SCRA 8/20; overdraft 0/10; complaints 8/15.

Monthly fee: $0

"No Monthly Fee / There's no minimum balance requirement, either." (source, Oct 28, 2026)

Military waiver: no monthly fee at all (no military-specific waiver needed)

"No Monthly Fee / There's no minimum balance requirement, either." (source, Oct 28, 2026)

ATM rebate:

"not stated on https://www.towerfcu.org/disclaimers (no out-of-network ATM fee rebate or refund is stated in the fee schedule or on the checking page; the page offers 'free unlimited access to over 30,000 free ATMs nation..." (source, Oct 28, 2026)

Overdraft: $25

"Under Tower's standard overdraft practices, there will be a fee of up to $25 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account. [Checking page:] No-Fee Over..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://www.towerfcu.org/banking/checking (no SCRA or military interest-rate policy is stated on the checking, membership, overdraft or disclaimers pages)" (source, Oct 28, 2026)

Foreign transaction fee: 1.1%

"The foreign transaction fee is 1.10% of each transaction in U.S. dollars and may include transactions processed outside of the United States (including internet transactions)." (source, Oct 28, 2026)

Who can open it: employees/retirees of the unnamed sponsor Agency; employees of listed partner companies; relatives of a member; anyone via a $35 TowerCares Foundation donation; no military-specific path named

"Are you an employee or retiree of our sponsor Agency? / Are you an employee of one of the following Tower partner companies? / Are you related to a current Tower member? / Would you like to become a member by making a $3..." (source, Oct 28, 2026)

Deployment:

"not stated on https://www.towerfcu.org/banking/checking (no deployment or military-support features are stated; the only military mention is 'For each debit card transaction, Tower donates to military heroes and children..." (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

Tower FCU military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

Below the directory threshold or not in the CFPB database under this name.

robots.txt (towerfcu.org) has an empty Disallow; all fetches plain curl, HTTP 200. Tower has no military page or product; its single Free Checking account is the one a servicemember would open. The fee schedule lives inside the /disclaimers page (Fee Schedule section), not a PDF. 'Sponsor Agency' is not named on the membership page.

20. PNC: Virtual Wallet 35/100

Fees 0/25; ATM 0/15; early pay 6/15; SCRA 8/20; overdraft 6/10; complaints 15/15.

Monthly fee: $7

"Monthly Service Charge..........................................................................................$7.00 (PNC Virtual Wallet Features and Fees, Effective October 25, 2026). Military Banking page: 'Monthly se..." (source, Oct 28, 2026)

Military waiver: none specific to military; standard waivers only ($500 qualifying monthly direct deposit, $500 combined average balance, age 62+, PNC employee)

"No Monthly Service Charge if you meet any one of the following ● $500 combined average monthly balance in your Spend and/or Reserve accounts ● $500 in qualifying1 monthly direct deposits to your Spend account during the ..." (source, Oct 28, 2026)

ATM rebate: $0

"Other Financial Institutions' ATM Surcharge Fees ........................................................................ Not reimbursed [base Virtual Wallet]. Military page footnote 5: Virtual Wallet with Performance Se..." (source, Oct 28, 2026)

Overdraft: $36

"Overdraft Item Fee ....... $36.00 per item. An Overdraft Item fee is assessed when PNC pays an item for a customer. ... If the customer brings their available balance to at least $0 before their Extra Time period expires..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://www.pnc.com/en/personal-banking/banking/military-banking.html; page states only: 'PNC adheres to the service member eligibility standards and benefits described in the SCRA and similar state laws' a..." (source, Oct 28, 2026)

Foreign transaction fee: 3%

"International Purchases and Cash Advances Fee..........................................................3% of the transaction amount" (source, Oct 28, 2026)

Who can open it: no military-only account; any PNC checking account is open to the general public; page addresses active military, veterans and families

"To active military, veterans and your families, we recognize the commitments and sacrifices you and your families make to serve our country ... Choose between PNC Simple Checking or a Virtual Wallet® that includes a Spen..." (source, Oct 28, 2026)

Deployment: Servicemembers Operations Center (SOC) support line for SCRA requests; nothing about deployment fee refunds, international ATM or foreign fee waivers

"The Servicemembers Operations Center (SOC) is the single point of contact for service members requesting Servicemembers Civil Relief Act (SCRA) Program Benefits and/or protections for their active service. ... Contact th..." (source, Oct 28, 2026)

Early pay: "Up to N days" window, not military-specific

PNC military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

502 tagged complaints; 12% closed with money back; 100% answered in 15 days. The full record.

robots.txt (www.pnc.com) allows /content/dam/ and the /en/personal-banking/ pages read. Pages read with plain curl: Military Banking page, Virtual Wallet page, checking overview, and the PDFs 'PNC Virtual Wallet Features and Fees' (RDAOPC12-1026, effective October 25, 2026), 'Virtual Wallet Fine Print' and the Account Agreement for Personal Accounts (text extracted with pdftotext). PNC Simple Checking ($5 or $0, 'No monthly service charge with any qualifying direct deposit, or if you are under 25 or 62+', 'No overdraft fees') is the other account the military page offers. The '$7 or $0' waiver on the military page links to the same standard waivers; there is no military direct-deposit or military-ID waiver anywhere on pnc.com that we read.

PNC's SCRA guide: rate, fees, how to file

21. Citi: Access Checking 33/100

Fees 0/25; ATM 0/15; early pay 0/15; SCRA 8/20; overdraft 10/10; complaints 15/15.

Monthly fee: $5

"Although Access Checking has a $5.00 Monthly Service Fee, it will be waived in months when you receive $250+ in Direct Deposits or other qualifying transactions or if you or another account owner are 23 or younger." (source, Oct 28, 2026)

Military waiver: none specific to military; waived with $250+ direct deposits or qualifying ACH in a month ($1,000+ from 2027-01-01), age 23 or younger, or a Relationship Tier

"If you receive at least $250 in Direct Deposits or other qualifying transactions* in a calendar month, or are age 23 or younger, or are in a Relationship Tier, you will not be charged a Monthly Service Fee for that month..." (source, Oct 28, 2026)

ATM rebate: $0

"Citigold and Citigold Private Client Relationship Tier accounts receive unlimited reimbursement of fees charged by third-party ATM operators or networks. [No reimbursement is stated for Access Checking outside those tier..." (source, Oct 28, 2026)

Overdraft: $0

"No Overdraft Fees. While Citibank will not charge you an overdraft fee, Citibank encourages its customers to consider the impact of overdrawing an account. The ability to overdraw your account may be limited. ... In addi..." (source, Oct 28, 2026)

SCRA rate:

"not stated on https://online.citi.com/US/ag/military-servicemembers-civil-relief-act; Citi's SCRA page exists at this URL but serves only the title 'Citibank Online' to a non-JavaScript client (plain curl and WebFetch bo..." (source, Oct 28, 2026)

Foreign transaction fee: 3%

"Transactions Made Outside of the United States and its Territories. We will apply a foreign exchange fee equal to 3% of the transaction amount (including credit and reversals) for each international debit card purchase o..." (source, Oct 28, 2026)

Who can open it: no military-specific account; Access Checking is a standard consumer account anyone can apply for online, by phone or in a branch

"Yes, you can apply to open an Access Checking account at citi.com on either your desktop or mobile browser. When applying, you'll enter basic information, such as your address and Social Security number and choose fundin..." (source, Oct 28, 2026)

Deployment:

"not stated on https://www.citi.com/banking/access-checking; nothing about deployment, international ATM or fee refunds on the Access Checking or checking pages; the SCRA page was unreadable (see scraRate)" (source, Oct 28, 2026)

Early pay: No early pay

Citi military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

2,610 tagged complaints; 15% closed with money back; 100% answered in 15 days. The full record.

www.citi.com robots.txt allows /banking/ pages and /content/dam/ (the Consumer Deposit Account Agreement PDF); online.citi.com robots.txt allows the SCRA path, but the page is a JavaScript shell with no readable content (24 KB, only the title) for both plain curl and WebFetch, so Citi's SCRA terms are unverified. https://www.citi.com/military is a 404. Pages read with plain curl: Access Checking page, checking overview (Regular Checking), savings page, and CDAA.pdf (pdftotext). The savings APY figure is not in the page text. Basic Checking: Citi's checking page now names the paper-check account 'Regular Checking' with a '$15 Monthly Service Fee can be waived with $250+ a month ($1,000+ effective 01/01/2027) in Direct Deposits or other qualifying transactions, or when in a Relationship Tier'; it carries the same $2.50 Non-Citi ATM fee, no overdraft fees, and overdraft protection via Checking Plus / Safety Check.

Citi's SCRA guide: rate, fees, how to file

22. Truist: Truist One Checking 33/100

Fees 0/25; ATM 0/15; early pay 0/15; SCRA 8/20; overdraft 10/10; complaints 15/15.

Monthly fee: $12

"Monthly Maintenance Fee $12 How to Avoid the Monthly Maintenance Fee (MMF) The MMF can be waived for the Truist One Checking account for each statement cycle by: - Making $500 or more in total qualifying Direct Deposits2..." (source, Oct 28, 2026)

Military waiver: none stated; any $500 direct deposit (including military pay) waives the fee, but no military-specific waiver or military ID route exists on the pages read

"not stated: neither https://www.truist.com/checking/truist-one-banking nor the account overview PDF mentions military, veterans or servicemembers; the waiver list is the one quoted under monthlyFee" (source, Oct 28, 2026)

ATM rebate: $0

"Non-Truist Domestic ATM Waivers and Surcharge Rebates, up to $3 per charge (Per Monthly Cycle18): Level 1 ($0.00 – $9,999.99) None; Level 2 ($10,000 - $24,999.99) 1; Level 3 ($25,000 - $49,999.99) 3; Level 4 ($50,000 - $..." (source, Oct 28, 2026)

Overdraft: $0

"Overdraft Related Fees Truist does not charge Overdraft related fees9 on this product. Balance Buffer The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100...." (source, Oct 28, 2026)

SCRA rate:

"not stated: no SCRA or military page was found on truist.com (see accessNotes)" (source, Oct 28, 2026)

Foreign transaction fee: 3%

"- 3% International Point of Sale & ATM assessment fee per transaction13 ... 14 If transactions are in a currency other than U.S. dollars, the exchange rate for the transaction currency used by Truist for processing such ..." (source, Oct 28, 2026)

Who can open it:

"not stated: Truist One Checking is a general consumer account with no military eligibility language on any page read" (source, Oct 28, 2026)

Deployment:

"not stated on https://www.truist.com/checking/truist-one-banking or the account overview PDF" (source, Oct 28, 2026)

Early pay: No early pay

Truist military pay dates

Servicemember complaints (CFPB, 2023 to 2025)

936 tagged complaints; 4% closed with money back; 100% answered in 15 days. The full record.

robots.txt (www.truist.com) read 2026-10-28; it disallows /*search?* and /*content/truist-bank/us/en* plus four specific PDFs. NOTE: the account overview PDF path /content/dam/truist-bank/us/en/documents/disclosures/personal/aog-truist-one-checking.pdf does not match the '/*content/truist-bank/us/en*' pattern (that pattern requires 'content/truist-bank', this path is 'content/dam/truist-bank'), and it is the document the product page itself links as 'See account fees & disclosures'. Fetched with plain curl (default User-Agent): /checking (200), /checking/truist-one-banking (200), the overview PDF (200, 'TOC-AOG | 09/28/2026', extracted with pdftotext), /savings/truist-one-savings (200). /checking/one-checking, /military, /military-banking, /resources/military and /scra all returned 404; the sitemap index and the English sitemap list no military, veteran or SCRA URL, and on-site search is disallowed by robots.txt, so no Truist military banking page could be located. Everything recorded is the standard Truist One Checking term; the military-specific fields are null for that reason. The atmRebate value 0 is the Level 1 (under $10,000) benefit; higher balance levels get 1, 3, 5 or unlimited $3 rebates per month. Quotes are verbatim.

Truist's SCRA guide: rate, fees, how to file