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You’re first with Essential Checking.

An everyday account that works for you.

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What’s Included?

A Rewarding Debit Card

With special offers and occasional card holder incentives, let your debit card work for you!

Free Digital Banking

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

No More ATM Fees. Ever.

We mean it. Your Equity Bank debit card blocks all fees at any ATM, and no foreign fees.

Account Fees

Minimum Opening Deposit:

$100

Monthly Service Charge:

$7

Avoid The Monthly Service Charge:

No monthly fees with at least one direct deposit of $100 or more per statement cycle OR a minimum balance of $100.

Minimum deposit to open an Equity Bank Preferred checking account is $100. Interest rate is variable and subject to change. Fees could reduce earnings on account. 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. Insurance products are: Not a deposit. Not FDIC-Insured. Not insured by any federal government agency. Not guaranteed by the bank.


Which account is right for you?

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Equity Bank Debit Cards

Make those pesky ATM fees disappear

Equity Bank customers can use any ATM, anywhere, with no charge. Save your money — it’s on the house, every time!

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