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Coin Checking + Savings has no minimum deposit required to open the account; however, at least $ must be deposited into the account within the first 45 days. Make your money go further with our most popular checking account, with no monthly maintenance fee. Plus, get the flexibility to bank from anywhere. No overdraft fees or minimum balance—ever. KEY BENEFITS • 55,+ fee-free ATMs worldwide • No overdraft fees • Access to loan benefits that lower rates by See special handling fees for personal accounts for other fees. 3 The minimum daily balance must be met each day of the statement cycle. 4 Variable interest.