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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.

Free Personal Checking

  • No minimum balance required
  • No monthly maintenance fee
  • No Direct Deposit required
  • Unlimited check writing
  • Unlimited number of withdrawals during the periodic cycle without incurring any additional charge
  • 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 checks (or $5.00 credit on any style)
  • 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.