Brick-and-mortar banks allow you to deposit and withdraw money by visiting a teller inside a branch or via a drive-up window or ATM machine. However, brick-and-mortar banks typically charge customers higher fees than online-only banks since they have to recoup overhead costs to keep physical branches up and running. That said, there are still competitive brick-and-mortar banks that offer checking accounts with options to waive monthly fees if you meet certain requirements. To make your search easier, Select evaluated dozens of checking accounts offered by brick-and-mortar banks with broad availability, offering access to at least 2,000 physical branches and over 4,000 fee-free ATMs in the U.S. We considered features like fees, minimum balance requirements and ease of use, among other factors to choose the top five best brick-and-mortar checking accounts that let you bank in-person. (See our methodology for more information on how we choose the best checking accounts.)

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