Personal Checking Accounts

Whatever you're looking for in a checking account - simplicity, convenience, a better rate of return - you'll find it at ACCESS bank. Choose the account that fits your financial needs and then click the sign up button below. Our team will be in contact with you shortly to set up your new account.

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Description of Account We promise it's really free. Plus, it's the ultimate combination of simplicity, convenience and value. Ready for an account that earns you money? Get 1.62% APY* on balances up to $25,000. The perfect account for the investor. Earn market rate interest and enjoy the benefits of all of our great checking services.
Minimum Opening Deposit $100 $100 $100
Minimum Balance Requirement $0 $1,000
$12 service fee if below minimum balance.
$5,000 in combined balances in any ACCESS bank account.
$20 service fee if below minimum balance.
Monthly Qualifiers
Set up a monthly direct deposit, make and have post to your account at least 10 debit card purchases of $5 or more, and receive eStatements each statement cycle.


FREE Debit Card

FREE First Box of Checks

FREE eStatements

FREE Online & Mobile Banking

FREE Mobile Deposit

Earns Interest
Click to see rates.

Click to see rates.
Unlimited Check Writing

FREE Bill Pay

Pay Other People (Popmoney)

Bank-to-Bank Transfer

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*The high interest rate is paid on balances up to $25,000 as long as account qualifiers are met. If account qualifiers are not met, the account is paid an APY (Annual Percentage Yield) of 0.05% up to $25,000. All balances over $25,000 are paid interest at the Bank's then in effect published rate. Statements cycle on the last business day of every month. Rates are subject to change at Bank's discretion at any time without notice. Fees may reduce earnings. Limit one account per household.