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 24 x 7 Online/Telephone 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 24 x 7 Online/Telephone 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 TypeOpening Deposit

Monthly
Service Charge

# of Transactions Per MonthVisa Debit CardInterest 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.

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