Essential Checking

Your financial journey starts here.

 

Essential Checking

Your financial journey starts here.

New to Banking – Or Need a Fresh Start?

Essential Checking is a simple, safe, and affordable solution that includes everything you need to manage everyday finances quickly and easily. Features include:


No overdraft1

No overdraft1

No overdraft1

No overdraft1

Free debit card

Free debit card

Free debit card

Free debit card

No minimum balance requirement

No minimum balance requirement

No minimum balance requirement

No minimum balance requirement

Free online banking and bill pay plus mobile deposit

Free online banking and bill pay plus mobile deposit

Free online banking and bill pay plus mobile deposit

Free online banking and bill pay plus mobile deposit

One tree planted when you sign up for free monthly eStatements

One tree planted when you sign up for free monthly eStatements

One tree planted when you sign up for free monthly eStatements

One tree planted when you sign up for free monthly eStatements


“BankOn” Approved
“BankOn” Approved

“BankOn” Approved

Essential Checking has been officially certified by the Cities for Financial Empowerment Fund (CFE Fund) as meeting the Bank On National Account Standards for safe and affordable transaction accounts.

It’s Easy to Get Started.

Choose from a range of accounts with tools and benefits that fit your needs.

Explore Your Options.

Minimum Opening Balance

$10

$5

$25

Monthly Maintenance Fee

$0

$0

$10*

Interest

N/A

N/A

FREE Sierra Debit Card

FREE Online Banking

FREE Bill Pay

FREE Monthly eStatements

FREE Mobile Deposits

FREE 55,000 Surcharge-Free
ATMs Worldwide

Overdraft Protection Option

N/A

* Waived if average monthly collected balance is $25,000 or more OR if $50,000 or more in combined average monthly collected balances.

Explore Your Options.

Minimum Opening Balance

$10

Monthly Maintenance Fee

$0

Interest

N/A

FREE Sierra Debit Card

FREE Online Banking

FREE Bill Pay

FREE Monthly eStatements

FREE Mobile Deposits

FREE 55,000 Surcharge-Free
ATMs Worldwide

Overdraft Protection Option

Minimum Opening Balance

$5

Monthly Maintenance Fee

$0

Interest

N/A

FREE Sierra Debit Card

FREE Online Banking

FREE Bill Pay

FREE Monthly eStatements

FREE Mobile Deposits

FREE 55,000 Surcharge-Free
ATMs Worldwide

Overdraft Protection Option

N/A

Minimum Opening Balance

$25

Monthly Maintenance Fee

$10*

Interest

FREE Sierra Debit Card

FREE Online Banking

FREE Bill Pay

FREE Monthly eStatements

FREE Mobile Deposits

FREE 55,000 Surcharge-Free
ATMs Worldwide

Overdraft Protection Option

* Waived if average monthly collected balance is $25,000 or more OR if $50,000 or more in combined average monthly collected balances.

Lifting Up Our Communities.

We believe in making banking accessible and affordable for everyone – while doing our part to help our planet. Through our partnership with One Tree Planted, you can help us make a difference by going paperless with eStatements.

We believe in making banking accessible and affordable for everyone – while doing our part to help our planet. Through our partnership with One Tree Planted, you can help us make a difference by going paperless with eStatements.

Simplify Your Banking

Count on us for smart banking tools and local convenience.

  • Sierra eStatements – Say goodbye to paper waste, clutter, and snail-mail slowdowns. Enroll in eStatements through online banking.
  • Debit Cards – Breeze through checkout in stores and online with our new tap-and-go, digital wallet-enabled cards.
  • Direct Deposit – Access your money sooner and enjoy enhanced security. To set up direct deposit, check with your employer or other income source.
  • Safe Deposit Boxes – Protect your important documents and valuables. Contact a branch for details.
  • Wire Transfers – A fast and secure way to transfer funds anywhere in the world. Available at your local branch.

More Solutions to Fit Your Lifestyle.

Mobile Banking

Stay on top of your finances, no matter where life takes you. Get our free mobile app.

Learn More

Mobile Wallets

Make checkout a breeze by adding your Bank of the Sierra debit card to your phone’s mobile wallet.

Learn More

Online Bill Pay

Take the hassle out of paying bills. Quickly pay your bills right through online banking.

Learn More

More Solutions to Fit Your Lifestyle.

Mobile Banking

Stay on top of your finances, no matter where life takes you. Get our free mobile app.

Learn More

Mobile Wallets

Make checkout a breeze by adding your Bank of the Sierra debit card to your phone’s mobile wallet.

Learn More

Online Bill Pay

Take the hassle out of paying bills. Quickly pay your bills right through online banking.

Learn More

1. Bank rules and regulations apply. Ask us for details. Other fees may apply. See Schedule of Fees for details. A minimum deposit of $5 is required to open this account.