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Checking Your Way

Choose the checking account1 that has the options YOU want. Looking for a simple everyday checking account? We have you covered. Want to earn interest while your money hangs out? We have that covered too! Plus, let's not forget life happens, that's why we offer overdraft protection options for those unexpected moments.

Your bank should work for you, not the other way around! AbbyBank's checking accounts are hassle free. That means we offer:

  • No monthly service fees
  • No minimum deposit to open
  • No opening deposit required!
  • Monthly paper statement fee may apply2

A typical larger bank account has over $100 in fees per year. That will get you 20 vanilla lattes, 50 tacos or 10 months of your favorite streaming service!

comparison of 20 vanilla lattes, 50 tacos, or 10 months of streaming service


Compare Our Checking Accounts. You won't be disappointed!


The power of starting young and free! Check out our new account for kids, teens and everything in between! Bright Future Checking is designed to grow with your child from middle school to adulthood. 

Features Echecking Echecking+ Classic Checking Classic Checking+ Bright Future Checking
Monthly Paper
Statement Fee		 $5
Can be avoided2		 $5
Can be avoided2		 $5
Can be avoided3		 $5
Can be avoided4		 None
No Monthly Service Fee Checkmark icon Checkmark icon Checkmark icon Checkmark icon Checkmark icon
No Minimum to Open Checkmark icon Checkmark icon Checkmark icon Checkmark icon Checkmark icon
No Minimum Balance Requirements Checkmark icon Checkmark icon
Checkmark icon
 Checkmark icon Checkmark icon
Earns Interest No
On Balances of
$1,000 or more5
 No
On Balances of
$1,000 or more5
No
Automatic Transfer Service (available) Checkmark icon Checkmark icon Checkmark icon Checkmark icon Checkmark icon
Overdraft Protection
(subject to credit approval)		 Checkmark icon Checkmark icon Checkmark icon Checkmark icon No
FDIC Insured up to applicable limits Checkmark icon Checkmark icon Checkmark icon Checkmark icon Checkmark icon
Take control of your checking fees. Apply now for an individual or joint account.



Free Services Included with All Checking Accounts
eBanking Mobile Banking
Bill Pay Mobile Deposit
People Pay (P2P) Unlimited Check Writing
eStatements Debit Card
No ATM fees6 Unlimited Debit Card Transactions


1All accounts are subject to credit approval. 

2Fee can be avoided by receiving statements electronically. 

3$5.00 paper statement fee incurred if average statement cycle balance falls below $500. Fee may also be avoided upon the account holder reaching age 70. 

4$5.00 paper statement fee incurred if average statement cycle balance falls below $1,000.

5Interest is compounded daily and credited to your account monthly.

6Non AbbyBank ATM operator fees may still apply.

A checking account is for your everyday expenses like purchases, bills, or ATM withdrawals. Try to keep one- or two-months’ worth of expenses in a checking account. A savings account is where you put money to grow and earn interest. You will want to limit taking money out of a savings account, especially for discretionary spending. Try to save for three to six months’ worth of expenses in a savings account.

It’s easy to open a checking account with AbbyBank. The bank will need to verify your identity using a valid ID and Tax ID #.  We will ask for your name, address, phone, and Social Security numbers as well as your birthdate, driver’s license or picture ID and employer. We will verify this information through the major credit reporting agencies. 

Your credit score may be a factor in determining your eligibility for opening the account and an indicator into how you would handle a checking account. A personal banker can explain the process and assist you with choosing the account that is right for you, ordering checks, getting a debit card and enrolling in online banking and/or mobile banking.

You aren’t required to enroll in overdraft protection. We have two overdraft solutions to help customers maintain a positive balance and avoid overdraft fees or returned checks. You can set up your accounts to auto transfer funds from another AbbyBank account to cover an overdraft, such as auto transferring funds from a savings account to your checking account. You can apply for an Overdraft Protection (ODP) loan which will transfer funds from the loan to cover an overdraft. Both options have a fee associated with the service.

The first set of numbers on the bottom left of a check is the routing number (9 digits). The second set of numbers immediately following the characters after the 9-digit routing number is your account number (digits may vary). The last set of numbers after the character symbol following the account number is your check number and is usually the shortest set of numbers on a check. Note that the character symbols around the sets of numbers are not part of the routing number, account number, or check number.