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Explore the differences between our checking accounts and choose the one that fits you best.

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Features

Get Real Checking℠
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Get More Checking℠
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Basic Checking
Learn More - Basic Checking

Minimum to Open$10$100$10
Earns InterestYes
Debit CardYesYesYes
ATM Refunds*Yes
Online BankingYesYesYes
Mobile BankingYesYesYes
eStatementsYesYesYes
24 Hour Telephone BankingYesYesYes

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*Other banks’ ATM surcharge fees that are charged to the account during your current statement cycle will be refunded on the last business day of the current statement cycle up to $7.00 per account per statement cycle. Accounts closed or changed to another product during a current statement cycle will not receive a refund of the other banks’ ATM surcharge fees. This does not include fees imposed by ATM operators or any networks.

Get Real Checking℠*

Checking you don’t have to think about! 24/7 banking convenience that’s free of ATM fees and monthly account fees.

*Notify us if you are 65 years of age or older, or 18 years of age or younger. You may be eligible for a waiver or reduction of certain account fees or charges.

**Other banks’ ATM surcharge fees that are charged to the account during your current statement cycle will be refunded on the last business day of the current statement cycle up to $7.00 per account per statement cycle. Accounts closed or changed to another product during a current statement cycle will not receive a refund of the other banks’ ATM surcharge fees. This does not include fees imposed by ATM operators or any networks.

***3rd party fees for message, data and internet services may apply.

 

Get More Checking℠*

Get all our great checking benefits, plus earn interest on your balance.

 

*Notify us if you are 65 years of age or older, or 18 years of age or younger. You may be eligible for a waiver or reduction of certain account fees or charges.

** 3rd party fees for message, data and internet services may apply.

***Not responsible for surcharges or fees imposed by other banks, ATM operators, and/or any networks. 

Effective Date: Wednesday, November 30, 2022

Checking Accounts

Minimum to OpenMinimum Daily Balance to Earn APYInterest RateAnnual Percentage Yield(APY)%*
$100$.01 - $24,999.99.05%.05%
$100$25,000 - $49,999.99.10%.10%
$100$50,000 - $99,999.99.10%.10%
$100$100,000 - $999,999.99.20%.20%
$100$1,000,000 and over.20%.20%

*Interest is compounded monthly. Annual percentage yield (APY) assumes principal and interest remain on deposit for one year. Minimum opening and daily balance to earn stated APY is $.01. Fees could reduce earnings on accounts. Rates offered are subject to change without notice.

The Federal Deposit Insurance Corporation (FDIC) federally insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).

Basic Checking*

Get just the essentials with a checking account that has no monthly services charges.

*Notify us if you are 65 years of age or older, or 18 years of age or younger. You may be eligible for a waiver or reduction of certain account fees or charges.

** 3rd party fees for message, data and internet services may apply

***Not responsible for surcharges or fees imposed by other banks, ATM operators and/or any networks.

 

 

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It Pays to Have Friends. Literally.

Earn $50* for referring bankESB Checking to your friends and family.

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