Woman paying with Simplicity Checking tap-to-pay at a cafe.

Free Simplicity Checking Account


Simplicity Checking is our free* account with no monthly maintenance fee or minimum balance requirements. Now that's awesome.

*Charges for other services may apply, such as
overdraft or ATM fees. $50 opening deposit required.






Everything you need without the fees.

Why should you choose Simplicity Checking for your next bank account? Here are just some of the reasons:
 

Checking account with no minimum balance.

There’s no need to maintain a minimum balance. Bank your way, with total flexibility.

Free debit card with every checking account.

Enjoy a Visa® debit card at no cost. Use it for purchases, ATMs, and digital wallets.

Open your checking account with just $50.

Get started with a $50 opening deposit. Quick, easy, in-branch or online.

Online and mobile banking access.

Manage your money from anywhere with our secure mobile app and online tools.

Secure checking account with fraud protection.

Protect your account with 24/7 fraud monitoring, encryption, and account alerts.

Deposit checks anytime with mobile deposit.

Deposit checks anytime, from your phone. No trip to the branch required.



















Which checking account is right for you?

If you’re looking for interest-bearing checking, premium features, or accounts for first-time bankers, we’ve got options for every stage of life.
  Simplicity1 Preferred1 Signature1
Details Our free checking with no monthly service charge, no per-check charges and no monthly minimum balance requirements.
Interest-earning checking
with special benefits, discounts, and services.
 Checking with highest level of special benefits, discounts, services, and competitive rates.
Earns Interest No. Tiered rates. See rate sheet for current rates and tiers. Tiered rates. See rate sheet for current rates and tiers.
Monthly Base Fee/Service Charge $0 $8 $20
Minimum Balance
Requirements
 None. Monthly service charge waived with $2,500 minimum ledger balance.3 Monthly service charge refunded with $15,000 prior month's minimum ledger balance between checking, savings, money market deposit accounts and CDs/IRAs.4
ATM Benefits/Fees
WTB and MoneyPass ATMs – $0.00
Other ATMs – $2.50
WTB and MoneyPass ATMs – $0.00
Other ATMs – $2.50
(Two at no charge per calendar month.)
WTB and MoneyPass ATMs – $0.00
Other ATMs – $2.50
(Five at no charge per calendar month.)
Overdraft
Courtesy Refund
 No. One per calendar quarter (Up to $60 value annually.)2 One per calendar quarter (Up to $60 value annually.)2
Overdraft Protection/
Transfer of Funds
 See the standard overdraft practices disclosure, personal deposit account disclosures and limits and fees disclosure for details. See the standard overdraft practices disclosure, personal deposit account disclosures and limits and fees disclosure for details. See the standard overdraft practices disclosure, personal deposit account disclosures and limits and fees disclosure for details.



























Simplicity Checking FAQs

Because awesome banking shouldn’t leave you with questions.
Yes, there are no monthly service charges, no per-check fees, and no minimum balance required. Charges for other services may apply, such as overdraft fees or ATM fees.
You’ll need a valid ID, your Social Security number, and a $50 minimum deposit. You can open an account online or at a local branch.
Yes, you’ll receive a free Visa® debit card you can use at stores, ATMs, and online. You can also link it to your digital wallet.
Yes, Simplicity Checking includes access to mobile and online banking so you can pay bills, check balances, and even deposit checks from your phone.
While there’s no monthly service charge, standard fees may apply for overdrafts, stop payments, or returned items. You can view the full list in the Common Features (Limits and Fees) Disclosure.
Simplicity Checking is a great fit for students, young adults, or anyone looking for a fee-free checking account with flexible features.
Yes, you’ll get your routing and account number upon opening, which you can use to set up direct deposit for paychecks, tax refunds, or government benefits.




































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man holding mobile phone

Open a free Simplicity Checking account online today.

Get started with just $50 and no monthly fees. Start banking your way.
 
Important information:
1. Charges for other services may apply, such as overdraft fees or ATM fees. $50 minimum required to open. See the personal deposit account and truth-in-savings disclosures for full terms and conditions. All accounts are FDIC insured within FDIC limits.
 
2. Overdraft courtesy refund: We may charge a fee of $15 for each item paid causing an overdraft. A fee may be imposed for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Overdrafts are due immediately. We may not pay overdrafts at our discretion. After the end of each calendar quarter a $15 Paid Overdraft/Returned Item Fee refund will be credited back to the account if an overdraft occurrence was charged to the account during that quarter.
 
3. Minimum ledger balance: The lowest end of day balance in an account during a statement cycle. A certain minimum daily balance is often required with interest-bearing accounts to avoid a monthly maintenance fee.
 
4. Prior month's minimum ledger balance: The balance based on the prior month's lowest daily balances of the account(s) during the 30-day statement period.