Explore our personal checking accounts to determine the option that is right for you.

Essential Checking Account

A checking account designed to provide you with affordable and easy access.

  • $50 minimum to open this account

  • Unlimited transactions

  • Online banking and mobile banking with bill payment at no additional charge

  • Includes debit card that can be used at any ATM nationwide without a transaction service charge

  • The first order of Encore Bank checks are included in your account

  • $3 paper statement fee waived when enrolled in eStatments

Premier Checking Account

All the benefits of Essential Checking plus earn a great interest rate. Maintain a $1,000 daily balance and the service charge is waived.

  • $100 minimum to open

  • Unlimited transactions

  • Tiered interest rates

  • Online banking* and mobile banking* with bill payment at no additional charge

  • Includes debit card that can be used at any ATM nationwide without a transaction service charge

  • The first order of Encore Bank checks included

  • A $10 service charge per month applies only if your daily balance falls below $1,000

*Third party fees may apply for data connection

Black Label Checking Account

Tap with style. Our new Black Label Checking Account features a sleek metal card and extra perks for those who want more from their checking account.

  • $5,000 minimum to open this account

  • Metal debit card that can be used at any ATM nationwide without a transaction service charge

  • Tiered interest rates

  • Online banking* and mobile banking* with bill payment at no additional charge

  • The first order of Encore Bank checks are included in your account

  • $10 service charge per month applies only if your aggregate balance of Encore deposits falls below $10,000

*Third party fees may apply for data connection