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Compare Checking Accounts

Choose the checking account that’s right for you.


  • Rewards Checking
  • Perks Plus Checking
  • Simply Free Checking
Checking Account Rewards Checking Open Now Perks Plus Checking Open Now Simply Free Checking Open Now
Pays Interest Yes
Minimum Opening Deposit $100 $100 $100
Monthly Service Charge $25
or $0
$10
or $0
FREE
Minimum Balance to Avoid Service Charge Maintain $25,000 in combined
household deposits
Maintain $5,000 in combined
household deposits
MMA Relationship Rate Up to 0.50% APY* increase Up to 0.25% APY* increase
Consumer Loan Rate Discount Up to 0.50% APR** decrease Up to 0.25% APR** decrease
Credit Card Rewards 2x Bonus Points 1.5x Bonus Points
Complimentary Checks All Standard Checks First Order of Standard Checks
Cashier’s Checks & Money Orders Unlimited One Cashier’s Check and
One Money Order Per Month
Mortgage Discount $500 Mortgage Closing Discount $250 Mortage Closing Discount
Benefits

Anywhere Banking Tools

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

 

Paper or eStatements

Your account statement your way. Receive your statement by mail or go paperless with a notification in our email.

 

No ATM Fees

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

 

Credit Savvy

Free online credit reporting tools, to help you monitor and improve your
credit score.

 

Early Pay

Receive your direct deposit 24-48 hours earlier in your primary checking account.

 

Anywhere Banking Tools

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

 

Paper or eStatements

Your account statement your way. Receive your statement by mail or go paperless with a notification in your email.

 

No ATM Fees

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

 

Credit Savvy

Free online credit reporting tools, to help you monitor and improve your
credit score.

 

Early Pay

Receive your direct deposit 24-48 hours earlier in your primary checking account.

 

Anywhere Banking Tools

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

 

eStatements

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.

 

Credit Savvy

Free online credit reporting tools, to help you monitor and improve your credit score.

 

 

 

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

*Annual Percentage Rate

**Annual Percentage Yield

All Equity Bank accounts are subject to the terms and conditions detailed in our deposit agreement.

Minimum $100 to open an Equity Bank checking account. All mortgage, credit card, and loan promotional annual percentage rates are subject to credit approval.

E-statements complimentary on all accounts. Paper statement fee is $5 if added to SimplyFree Checking.

Equity Bank Perks Plus and Rewards Money Market accounts feature variable APY subject to change. One promotional Perks Plus or Rewards Money Market permitted per Equity Bank household.

Monthly service charges to occur each statement cycle for Perks Plus and Rewards Checking if the aggregate daily balance of all qualifying consumer accounts fall below $5,000 or $25,000, respectively. Qualifying deposit accounts include checking, savings, money market, time deposit, and individual retirement accounts (IRA) within a household relationship, defined as immediate family member or person with same street address.

Early Pay gives you access to your direct deposit up to two days early with Perks Plus or Rewards Checking. Equity Bank cannot guarantee automated clearinghouse (“ACH”) transactions in all circumstances. Our ability to credit your account depends certain information transmitted in the ACH electronic file. View full terms and conditions at www.equitybank.com/earlypay

No ATM fees include ATM terminal fees incurred at any ATM terminal in the U.S. There is no Equity Bank charge to use an Equity Bank debit or ATM card for cash, anywhere. Thank you for reading.