FDIC-Insured - Backed by the full faith and credit of the U.S. Government Essex Bank offers a variety of personal checking options so you can easily access your money and confidently manage your life.
Essex Bank Customer"I like everything about Essex Bank. It's a bunch of great people who all treat you like they know you."
Trey N.
Personal Checking Account Options
Choose a personal checking account that suits your unique lifestyle:
Free Checking
Enjoy a wealth of free services – including free debit card, free online banking, and free electronic bill payment access – plus benefits like ATM fee reimbursements* and overdraft protection.
NOW Checking
Get all the services of the Free Checking account – while you earn interest and avoid service charges by maintaining a minimum balance above $1,500.
BankOn Checking
A certified account with a variety of free electronic services – plus no overdraft fees and rebated ATM transaction fees.
Flagship Checking
Receive all the benefits of the Free Checking account while earning through tiered interest rates based on your account balance. A $10,000 minimum balance is required to avoid statement fees.
Money Market Checking
Maintain a minimum balance of $2,500 per statement cycle and get a premium annual percentage yield.
Personal Checking Account Features
With any Essex Bank Personal Checking Account, you get:
- Free Debit Card
- Free Digital Banking
- Free Mobile Check Deposit
- Free Bill Pay
- Free P2P Payment Service
- ATM Fee Rebates
- Contactless Payments
- eStatements
- Direct Deposit
- Free Security Alerts
- Free Telephone Banking
- Free Notary Service
Get Overdraft Protection
Enjoy peace of mind with our overdraft protection transfer service from your Essex Bank Savings Account. It is free to sign up, and there is a low $3.00 fee per overdraft transfer.
Compare Personal Checking Accounts
Compare each account and find the right fit for you:
| Free Checking | NOW Checking | BankOn Checking | Flagship Checking | Money Market Checking | |
|---|---|---|---|---|---|
| Minimum Opening Deposit | $25 | $25 | $25 | $25 | $2,500 |
| Monthly Service Fee | None | None | $5 | None | None |
| Interest Bearing Account | |||||
| Daily Balance Requirement | None | $1,500 | None | $10,000 | $2,500 |
| Free First Order of Checks | |||||
| Free Debit Card | |||||
| Free Digital Banking | |||||
| Free Mobile Check Deposit | |||||
| Free Bill Pay | |||||
| ATM Fee Rebate Program | |||||
| No Overdraft Fees |
Please note: For specific conditions and charges on accounts, consult our USA PATRIOT Act Customer Identification Notice, Consumer Deposit Account Contract, Schedule of Consumer Deposit Account Charges, Consumer Electronic Funds Transfer Agreement, Ability to Withdraw Funds, and Required Electronic Signatures Disclosure and Agreement or speak with an Essex Bank representative at any of our locations.
Get Personal Checking Rates
Review the current deposit rates for Essex Bank personal checking accounts.
Open Your Personal Checking Account
New Customers
If you are new to the Bank, please start here.
Existing Customers
If you are already a Bank customer, please go here.
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