Compare Checking Accounts
Explore the differences between our checking accounts and choose the one that fits you best.
| Features | Get Real Checking℠ | Premier Checking℠ | Basic Checking |
|---|---|---|---|
| Minimum to Open | $10 | $100 | $10 |
| Earns Interest |  | ||
| Debit Card | | | |
| ATM Refunds* | | ||
| Online Banking | | | |
| Mobile Banking | | | |
| eStatements | | | |
| 24 Hour Telephone Banking | | | |
| FREE First Order of bankESB Checks | | |
*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℠
No need to worry about monthly service charges with this account.
- No monthly maintenance service charge
- ATM refunds*
- Free Mobile Banking** with Touch ID/Face ID® Login & Mobile Check Deposit
- Free Online Banking & Bill Pay
- Instant Issue Debit Card
- eStatements
- 24 Hour Telephone Banking
- Direct Deposit available
- Eligible to enroll in Cyber Scout® Identity Theft services
- $10 minimum deposit to open
*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.
Premier Checking℠
Take advantage of even more account benefits while earning interest on your balance.
- Interest-bearing account
- No monthly maintenance service charges
- Free Mobile Banking* with Touch ID/Face ID® Login & Mobile Check Deposit
- Free Online Banking & Bill Pay
- Instant Issue Debit Card
- eStatements
- 24 Hour Telephone Banking
- Direct Deposit available
- Unlimited check writing
- Free first order of bankESB checks
- No bankESB fees for ATM transactions anywhere**
- Eligible to enroll in Cyber Scout® Identity Theft services
- $100 minimum deposit to open
* 3rd party fees for message, data and internet services may apply.
**This does not include fees imposed by ATM operators or any networks.
Effective Date: Tuesday, August 16, 2022
| Minimum to Open | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield(APY)%* |
|---|---|---|---|
| $100 | $.01 - $24,999.99 | .02% | .02% |
| $100 | $25,000 - $49,999.99 | .05% | .05% |
| $100 | $50,000 - $99,999.99 | .05% | .05% |
| $100 | $100,000 - $999,999.99 | .10% | .10% |
| $100 | $1,000,000 and over | .10% | .10% |
*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*
Looking for a free checking account with no maintenance fees? Look no further.
- No monthly maintenance service charges
- Free Mobile Banking** with Touch ID/Face ID® Login & Mobile Check Deposit
- Free Online Banking & Bill Pay
- Instant Issue Debit Card
- eStatements
- 24 Hour Telephone Banking
- Direct Deposit available
- Unlimited check writing
- Free first order of bankESB checks
- No bankESB fees for ATM transactions anywhere***
- Eligible to enroll in Cyber Scout® Identity Theft services
- $10 minimum deposit to open
*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
***This does not include fees imposed by ATM operators or any networks.
