Enjoy Free Business & Personal Checking with no fees, no minimums, plus you can

Use Any ATM

On Us

With an Empire State Bank free business or personal checking account, you enjoy an account with no monthly fees or minimum balances plus you can use your debit card to withdraw from your checking account at any ATM and we’ll cover the fee — up to $18 per month when you enroll in e-statements*. At the end of each month, we calculate the amount in ATM fees you incurred during the month and automatically refund access fees to your Empire State Bank Free Business or Personal Checking account. Empire State Bank Free Business & Personal Checking with Fee-Free ATMs is built around your needs so you can succeed. Here’s what you get:

No Monthly Service Fees

There are no monthly fees or minimum balance fees so you don’t pay to access your own money. Open an account with as little as $100.

Fee-free ATMs

You can use your Empire State Bank VISA debit card to withdraw from your checking account at any ATM and we’ll cover the fee — up to $18 per month when you enroll in e-statements*.

Online & Mobile Banking

Save time and manage your accounts 24/7. You can view balances, deposit checks, view account activity, print statements, transfer funds and send money to family or friends.

Free Checks

Enjoy unlimited check writing personalized for your business or personal use.

E-Statements

View, download or print your account activity.

Night Depository

Provides you with convenience 24/7.

We're Here To Help

Our dedicated financial specialists are by your side when you need them.

Community Banking Centers

Visit a local Empire State Bank location near you.

Your Funds Are Safe

Your account is protected with FDIC insurance.

*Get automatic ATM surcharge rebates for ATM fees other banks charge you when you meet your minimum Free Checking requirements. Empire State Bank does not charge a fee for using a non-Empire State Bank ATM. Empire State Bank will rebate ATM fees up to $18 monthly in other bank domestic ATM Surcharge Fees which will be credited at the end of each statement cycle. ATM surcharge rebates apply to cash withdrawals from a Checking account using the Empire State Bank issued Debit Card wherever it is accepted.​