Personal Checking
We see you checking us out and we know why – we got the goods you’re looking for. Learn more about our personal checking accounts below.
Visit your local branch or call 1.844.MYEVANS for more information.
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| Open an account | Open an account | Open an account | Open an account | |
| What is the APY? | 5.00% APY1,2 | – | – | – |
| What will it cost? | – NO minimum balance – NO monthly maintenance fees |
– NO minimum balance – NO monthly maintenance fees |
– NO minimum balance – NO monthly maintenance fees |
– NO minimum balance – NO monthly maintenance fees |
| What are my benefits? | – Earn premium APY on balances up to $10,000 – ATM withdrawal fee refunds up to $15 per cycle |
– Earn 3.00% cash back on debit card purchases on first $300 spent – ATM withdrawal fee refunds up to $15 per cycle |
– Not subject to overdraft fees |
– Paper or e-statements – Not subject to overdraft fees |
| What do I need to do? | – 15 or more debit card purchases – Enroll to receive e-statements – 1 or more direct deposits OR auto debits OR online bill payments – View Monthly Qualification Cycle |
– 15 or more debit card purchases – Enroll to receive e-statements – 1 or more direct deposits OR auto debits OR online bill payments – View Monthly Qualification Cycle |
– For customers 16 to 25 years old |
– No monthly requirements |
| What if I don’t meet the requirements? | – NO penalty – you can still qualify next month! – EARN a reduced APY |
– NO penalty – you can still qualify next month! – NO cash back |
– NO penalty |  |
Overdraft Protection
Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from a line of credit you may have at Evans Bank for a finance charge. Please note that overdraft lines of credit are subject to credit approval.
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1Annual Percentage Yield (APY) accurate as of 6/20/23 and subject to change after account is opened. Overdraft and other fees may apply. Fees may reduce earnings. Refer to the Evans Bank Fee Schedule for details.
2When qualifications are met; earn 5.00% APY on balances up to $10,000.00; and, for balances over $10,000.00, APY ranges from 5.00%-0.75% APY, depending on the balance. If qualifications are not met, all balances earn 0.03% APY. Interest will be compounded daily and credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. Qualifications: You must have at least 15 debit card purchase transactions post and settle, enroll to receive e-statements on this account via online banking, and make 1 direct deposit, or automatic debit, or online bill pay transaction, during the monthly qualification cycle. Transactions may take more than one banking day from the transaction date to post and settle. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
