Banking that doesn't take a cut of what you earned.
No credit check · No deposit required · 2 minutes to open
The average American pays $329/year just to have a checking account.
That's not interest. That's not a service you chose. That's the cost of being a customer at a big bank.
$329 stays in your account with Deposit — that's 3 weeks of groceries, 2 months of a phone bill, or just yours to keep.
Their fee. Our fee. Every line.
We pulled the fee schedules. Here's what we found — and what we charge instead.
What your money looks like when it actually stays yours.
Feb 17–23, 2026. Two gig deposits, a warehouse paycheck, rent that dipped below zero — and zero penalty fees.
Deposit Checking
Feb 17 – Feb 23, 2026
Fees charged this week
$0.00
Feb 17
Mon
Amazon Flex direct deposit
+$247.50
Bal: $247.50
Feb 18
Tue
Walmart — groceries
-$84.32
Bal: $163.18
Feb 19
Wed
Lyft earnings deposit
+$118.90
Bal: $282.08
Feb 20
Thu
Rent — AutoPay
-$875.00
Bal: -$592.92
Feb 21
Fri
Warehouse shift — direct deposit
+$641.00
Bal: $48.08
Feb 22
Sat
Target — household
-$37.45
Bal: $10.63
Feb 23
Sun
Part-time deposit — Café shift
+$92.00
Bal: $102.63
Week summary
Dipped negative on Thu, recovered same day
Overdraft fees saved
+$35.00
At Chase or Wells Fargo, Thursday's rent payment would have triggered a $34–$35 overdraft fee. With Deposit, it cleared. No fee. No phone call. No stress.
The people the big banks stopped caring about.
I was getting hit with two, three overdraft fees a month. $35 each. That's money I needed for diapers. Deposit stopped that completely — I don't even think about it anymore.
Deshawn M.
Night-shift warehouse associate, Memphis TN
I drive Lyft and DoorDash. My income hits at weird hours. Deposit gives me the money the second it lands — not 12 hours later. That actually matters when you're buying gas to keep working.
Marisela R.
Gig driver, San Antonio TX
Two part-time jobs, two direct deposits, one account. I used to pay $12 a month just to have a Chase account. Now I pay nothing. It's embarrassingly simple.
Tanisha W.
Retail associate + café shift, Atlanta GA
You've done the math.
Keep the $329.
Name, email, SSN. That's all we need. No credit check. No deposit. No tricks in the terms.