Compare Personal Checking Accounts

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Personal Checking Account

Because it is the account at the heart of your finances, there is no doubt your checking account has to fit your lifestyle. With five unique account options, The Equitable Bank has you covered.

Open a Checking Account

Smart Start Checking

Ages 14 and older, parental joint ownership for those under 18.
No Minimum Balance
No Monthly Service Charge
Free debit card with access to a network of surcharge-free ATMs.
Online banking and mobile banking access.
Zelle^® for easy money transfers.
Debit card control and alerts.

E-Checking with the E-Rewards Rate

Have full access to our online convenience services while earning the highest rate, also known as the E-Rewards Rate.
No Minimum Balance
No Monthly Service Charge
Interest Bearing
To earn the E-Rewards Rate
- Must be actively enrolled in Online Banking and Online Statements.
- Must have the following occur each statement cycle: at least one direct deposit and any combination of 10 signature (POS) debit card transactions or auto-withdrawals.

Open a Checking Account

Senior Preferred Checking

Take advantage of additional benefits that are only offered to our customers who are at least 50 years of age.
- Free Standard Checks
- No Minimum Balance
- No Monthly Service Charge
- Interest Bearing
- Unlimited Free ATM Transactions

Open a Checking Account

Relationship Checking

Be rewarded with a higher interest rate for having other banking relationships with Equitable.
No Minimum Balance
No Monthly Service Charge
Unlimited Free ATM Transactions
A monthly direct deposit or automatic payment of an Equitable loan ($10,000 or more) or a CD ($10,000 or more) is required.

Open a Checking Account

Homeowner’s Checking

Our checking account offered exclusively for homeowners to manage day-to-day finances.
No Minimum Balance
No Monthly Service Charge
Interest Bearing

EZ Checking

The Equitable Bank EZ Checking account is Bank On approved. It is our commitment to a no-risk account with all the latest in convenience services available for our customers. To open an EZ Checking account, visit one of our branches.
No Minimum Balance required to open
Unlimited Free ATM Transactions

Account Options	E- Checking	Senior Preferred Checking	Relationship Checking	Homeowner's Checking	Smart Start Checking	EZ Checking
Minimum Balance^*	$0	$0	$0	$0	$0	$0^**
Minimum Balance Charge	$0	$0	$0 ($20 fee applies if requirements are not maintained)	$0	$0	$0
Monthly Service Charge	$0	$0	$0	$0	$0	$5
Interest Bearing	Yes (Must meet certain requirements for special E-Rewards rate)	Yes	Yes	Yes	No	No
Free Online Banking	Yes	Yes	Yes	Yes	Yes	Yes
Free Online Bill Pay	Yes	Yes	Yes	Yes	Yes	Yes
Free Online Statements	Yes	Yes	Yes	Yes	Yes	Yes
Free CardValet^® Mobile App	Yes	Yes	Yes	Yes	Yes	Yes
Zelle^®	Yes	Yes	Yes	Yes	Yes	Yes
TransferNow^®	Yes	Yes	Yes	Yes	Yes	Yes
Free Mobile Banking	Yes	Yes	Yes	Yes	Yes	Yes
Mobile Deposit	Yes	Yes	Yes	Yes	Yes	Yes
No-Fee MasterCard^® Gift Cards	Yes	Yes	Yes	Yes	Yes	Yes
Free Debit Card with Access to 24,000+ Surcharge-Free ATMs Find an ATM	Yes	Yes	Yes	Yes	Yes	Yes
Additional Features	10 Free Pinned ATM Transactions per Statement Month	Unlimited Free ATM Transactions	Unlimited Free ATM Transactions	10 Free Pinned ATM Transactions per Month	Unlimited Free ATM Transactions	Unlimited Free ATM Transactions
Open a Checking Account	Open E-Checking Account	Open Senior Preferred Account	Open Relationship Checking Account	Open Homeowner's Checking Account	Visit One Of Our Branches	Visit One Of Our Branches

^*Minimum opening balance is $100
^**No minimum balance required to open

Online Services

Access your account beyond the branch when you sign up for The Equitable Bank's convenient online services. Save time, save money and save the environment.

Learn About Online Banking

Online Banking Services