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ONLINE ACCOUNT ACCESS

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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

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