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Compare Checking Accounts

Choose the checking account that’s right for you.


  • Preferred Checking
  • Elite Checking
  • Essential Checking
Checking Account Preferred Checking Open Now Elite Checking Open Now Essential Checking Open Now
Pays Interest Yes No No
Minimum Opening Deposit $100 $100 $100
Monthly Service Charge $10 $6 $7
Minimum Balance to Avoid Service Charge $2,000 N/A $100
(or one direct deposit of $100 or more per statement cycle)
Benefits

Shop local, save local with Bank Local

Local discounts and national retailer deals to save you money on shopping, dining, travel, and more.

 

Cell Phone Protection1,2

Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

 

ID Theft Aid1,2

Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.

 

Roadside Assistance1,2

Available 24/7 and free to use, up to $80 in covered service charges.

 

$10,000 Travel Accidental Death Coverage2

Peace of mind for the unexpected.

 

Health Savings Card

Save money on prescriptions, eye exams, frames, lenses, and hearing services.

 

No ATM Fees

We mean it. Your Equity Bank debit card blocks all fees at any ATM nationwide.

Shop local, save local with Bank Local

Local discounts and national retailer deals to save you money on shopping, dining, travel, and more.

 

Cell Phone Protection1,2

Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.

 

ID Theft Aid1,2

Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.

 

Roadside Assistance1,2

Available 24/7 and free to use, up to $80 in covered service charges.

 

$10,000 Travel Accidental Death Coverage2

Peace of mind for the unexpected.

 

Health Savings Card

Save money on prescriptions, eye exams, frames, lenses, and hearing services.

 

No ATM Fees

We mean it. Your Equity Bank debit card blocks all fees at any ATM nationwide.

Anywhere Banking Tools

Online banking, mobile banking, bill pay, debit card, and eStatements.

 

Enroll in eStatements and avoid $5 monthly paper statement fee

Receive your account eStatement notification in your email monthly.

 

No ATM Fees

We mean it. Your Equity Bank debit card blocks all fees at any ATM nationwide.

Digital Banking

Managing your money should be easy. Access your accounts anywhere. On your laptop. On your phone. Wherever the day takes you.

Explore Your Digital Tools
Two people holding phones over a table using the banking app

*Interest rate is variable and subject to change. Fees could reduce earnings on account.

  1. Subject to the terms and conditions detailed in the Guide to Benefits. Participating merchants on Bank Local are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
  2. Insurance products are: NOT A DEPOSIT. Not FDIC-Insured. Not Insured by any federal government agency. Not guaranteed by the bank.