FREE CHECKING

Personal Banking

Free Checking Account

Enjoy the freedom of no fees and no minimum balance - Orion Financial Free Checking keeps it simple. 

Why open a Free Checking account with Orion Financial?

Manage your money anytime with 24/7 access and easy-to-use financial tools designed to fit your lifestyle. Whether you're checking your balance, paying bills, or transferring funds, you stay in control—wherever you are.

  • No fees
  • Overdraft protection
  • Courtesy pay
  • No minimum balance
  • Mobile deposit
  • Electronic bill pay
  • Online banking
  • Orion Mobile App
Free Checking

Simple, no fees, no minimums

*Offer not available to existing Orion Financial members or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. Must be eligible for membership in Orion Financial to open an account and earn the bonus. Offer only valid for new Orion Financial members opening new Orion Financial Free Checking accounts. You can receive only one new checking account opening related bonus per person and per account. The amount of your bonus is considered interest and will be reported on IRS Form 1099-INT or Form 1042-S to the IRS. Eligibility may be limited based on account ownership. Offer is non-transferrable and non-assignable. Offer only valid for natural person residents of TN, AR, and MS. Offer availability is subject to change with or without notice. Offer valid for accounts opened from 02/15/2026 through XX/XX/202X. To receive the bonus: Open an Orion Financial Free Checking account on or before XX/XX/202X, which is subject to approval; and establish a direct deposit made to this account within 90 days. Your direct deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government and greater than $100. Micro-deposits do not qualify as direct deposits for bonus eligibility. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. Aside from opening the account, all requirements to receive the bonus must be met by XX/XX/202X. After you have completed all the above requirements, Orion Financial will deposit the bonus into your account within 30 days. To receive the bonus, the enrolled account must not be closed or restricted at the time of payout.