Personal Checking

Empire State Bank offers a variety of account options for your checking needs. You can choose from our Better than Free Checking or our VIP Interest Checking Plus for added benefits.

View Personal Account Comparison Chart

View Rates

Free Personal Checking

No minimum balance required
No monthly maintenance fee
No Direct Deposit required
Unlimited check writing
Free Online & Mobile Banking
Free Visa Debit Card
No fee by ESB for using another bank’s ATM

VIP Interest Checking

Minimum daily balance of $1,000 in the VIP Interest Checking or $3,000 in combined daily balances in eligible savings or money market accounts to avoid $10 monthly service charge.
Unlimited check writing
Free member checks (or $5.00 credit on any style)
Free issued Travelers Checks
Free Counter/Cashier Checks
Free Online & Mobile Banking
Free Visa Debit Card
No fee by ESB for using another bank’s ATM
Tiered rates of interest
Interest compounded daily and credited monthly

Personal Account Comparison

Account Type	Opening Deposit	Monthly Service Charge	# of Transactions Per Month	Visa Debit Card	Interest Bearing
Free Personal Checking	$25.00	None	Unlimited	Yes	No
VIP Interest Checking	$100.00	None when minimum balances are maintained	Unlimited	Yes	Yes, with tiered rates

If you’d like to learn more, please call Empire State Bank at 866-646-0003. Or, simply speak with an Empire State Representative at Banking Center near you.