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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.

View Personal Account Comparison Chart

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.