Personal Checking

Open a checking account and  own your personal finances

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Over 39,000 surcharge-free ATMs nationwide
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No minimum balance fee or monthly service charge
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Free Online and Mobile Banking
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Simply

Simply
Free Checking

Do you have direct deposit or an automatic payment with this account?
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Minimum Balance Fee
$0
Monthly Service Charge
$0

Do you want to earn higher interest on your deposits?

Direct

Direct
Interest Checking

Do you have direct deposit or an automatic payment with this account?
Get started
Interest rate (APY)
0.05%
Minimum balance
$0
Monthly service charge
$0
Checks
Available for purchase
50+

50+ Premium
Interest Checking

Are you 50 years or over?
Get started
Interest rate (APY)
0.05%
Minimum balance
$0
Monthly service charge
$0
Checks
Free standard checks
Premium

Premium
Interest Checking

Will you keep more than $1,500 in your account?
Get started
Interest rate (APY)
0.15%
For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates
Minimum balance
$1500*
Monthly service charge
$0*
For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates
Checks
Free standard checks
Direct

Direct
Interest Checking¹

Do you have direct deposit or an automatic payment with this account?
Get started
Interest rate (APY)
0.05%
Minimum balance
$0
Monthly service charge
$0
Checks
Available for purchase
50+

50+ Premium
Interest Checking¹

Are you 50 years or over?
Get started
Interest rate (APY)
0.05%
Minimum balance
$0
Monthly service charge
$0
Checks
Free standard checks
Premium

Premium‍Interest Checking¹

Will you keep more than $1,500 in your account?
Get started
Interest rate (APY)
0.15%
For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates
Minimum balance
$1500*
Monthly service charge
$0*
For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates
Checks
Free standard checks
Annual Percentage Yield (APY)2
See the full list of interest rates.
0.05%
0.05%
0.15%
For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates³
Minimum Balance
To maintain account
$0
$0
$1500
Monthly Service
Charge
$0
$0
$0
$7 monthly charge if balance falls below $1,500 any day in the statement cycle
Checks
Available for purchase
Free standard checks
Free standard checks

These services are included free with every new personal checking account

Learn More
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Online Banking with Real-Time Alerts

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Bill Pay

Thinking of buying a home? Are you planning to purchase something special?

Personal loans and residential mortgages at Ponce Bank offer varieties of options to fund your needs.

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You know your money matters. Ponce makes it matter more.

You know your money matters. And Ponce makes it matter more.

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Invest in your community not climate crisis

Don’t let your money fund Fossil Fuel Developments
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Support a minority-led, minority-founded bank

We’re committed to bringing banking service to people that most large banks ignore
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Bank with purpose

Around $0.80 of every dollar you deposit with Ponce bank creates community financing4

Get Money Smart!

Free Financial Mastery courses at Ponce U. Knowledge is power and we're always willing to share ours.
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