Worldwide. The service has no overdraft fees because it does not allow overdrafts at all. Heres a detailed review of this account. When you sign up for an Essential Checking account from Axos, youll have access to direct deposit and can receive your money two days early. Huntingtons Asterisk-Free Checking account is free to open and there are no monthly maintenance fees. The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. While the 2.73% APY yield on the Credit Karma Money Save account is a significant savings rate, there are higher rates available, and, once again, you wont need to sign up for Credit Karma to nab those rates. However, you can win instant reimbursements on eligible purchases. These offers do not represent all deposit accounts available.