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Essential Checking

Essential Checking for limited income households

A monthly fee charged against a low balance isn't fun. Try our Essential Checking accounts instead and nullify the need to pay monthly fees on your account. Manage your expenses better with modern online features accessible at your fingertips.

Essential Checking – No Monthly Fees!*

  • No monthly account fee*
  • 43,000 surcharge-free ATMs
  • Online banking, available 24/7
  • Free Visa® debit card
Essential Checking delivers everything you need in a checking account with a free Visa debit card and no monthly fees.*

Compare Essential Checking with other options

ACCOUNT TYPE MONTHLY SERVICE FEES BEST FOR
One Checking® Rewards Open Account

Our most popular account. Earn cash back rewards on everyday transactions.

$5 monthly fee Best for active debit card users who want to earn cash back on purchases.
One Checking® Open Account

Our basic checking account with no monthly fee, if you use it regularly1

$0 monthly fee1

When meeting monthly requirements

Best for active debit card users who don't care about earning rewards and who want the option to avoid a monthly fee.
MyChecking Open Account

Our no monthly fee checking option for youth.

$0 monthly fee

Age restrictions apply2

ACCOUNT MUST BE OPENED IN-BRANCH

Best for youth ages 15-17
Essential Checking Open Account

Our no monthly fee checking option for those on limited incomes3

Income restrictions apply3

ACCOUNT MUST BE OPENED IN-BRANCH

Best for those on limited household incomes.
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Essential Checking accounts: learn how they work

Essential Checking Accounts FAQs

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