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 |
– One time $100 bonus credited to account after 90 days – Not subject to overdraft fees |
– Paper or – Not subject to overdraft fees |
| What do I need to do? | – 15 or more debit card purchases – Receive e-statements – 1 or more direct deposits OR auto debits OR online bill payments |
– 15 or more debit card purchases – Receive e-statements – 1 or more direct deposits OR auto debits OR online bill payments |
– For customers 16 to 25 years old To qualify for one time bonus: |
– 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– Won’t earn $100 bonus |  |
Evans | One |
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| What will it cost?3 | We’ll WAIVE the $30 monthly fee if you meet the monthly balance requirement – $100,000 combined deposit and outstanding loan balances |
| What are my benefits? | – Eligible for Evans One Savings – ATM surcharge rebates – Higher daily ATM withdrawal and debit card purchase limits – Free outgoing domestic wire transfers, stop payments, and cashier’s checks – Free Evans One Checks – 50% discount on international outgoing wire transfers – $400 discount on mortgage application fee (not available on mortgage programs that already feature discounted application fees) – Free small safe deposit box/50% discount for larger boxes |
| What do I need to do to earn premium interest rate? | – 12 or more debit card purchases – Receive e-statements – 1 or more direct deposits OR auto debits OR online bill payments |
| What if I don’t meet the requirements? | – NO penalty – you can still qualify next month! – EARN a reduced APY |
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, receive e-statements on this account, 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.
3A maintenance fee of $30.00 will be imposed each monthly statement cycle unless you maintain $100,000.00 in combined deposit and outstanding loan balances.
