It&#x27;s not a free account, but you&#x27;ve basically just named two of the very few fees; this makes it significantly cheaper than a Chase Total Checking account ($12&#x2F;mo for those who do not meet balance requirements, not even counting massive overdraft fees).<p>Bee makes it (nearly) impossible to put the account into a negative balance, and has no concept of an overdraft fee.<p>Another big win is mobile check deposit. Customers can deposit checks with instant availability for a 1% fee or use standard clearing for free; this is <i>substantially</i> cheaper than check cashers.