Bank with benefits.

Earn interest and get eligibility for our Popular Rewards program.

Popular Prestige Checking


Bank with ease.

Manage your money, pay bills, and avoid fees with a minimum balance.

Popular Everyday Checking


Bank with basics.

Access cash and make deposits as you begin your financial journey.

Popular eVolve Student Account
Popular Fast Track College Checking


 

Compare your checking account options:

 
 
 
Prestige
Checking
Everyday
Checking
eVolve
Student Account
Fast Track
College Checking
Local Basic
Checking NY & NJ
Overview
Prestige Checking
Earn interest on your account balance. Qualify for tiered Local Rewards benefits that grow with your balance. Learn more below.

Everyday Checking
Easily access your money and manage your basic checking needs. Avoid fees by making electronic deposits and maintaining minimum balances.

eVolve Student Account
A convenient account made especially for high school students.

Fast Track College Checking
A convenient checking account designed for college students to grow into; converts to Everyday Checking when the student turns 25.

Local Basic Checking – NY & NJ
Easily manage money, pay bills, and have quick access to cash.

Minimum Balance Needed to Avoid Monthly Service Fee
Prestige Checking
$2,000 in average monthly checking balance1
OR
$5,000 in combined average monthly deposit balances between this product and other qualifying products2

Everyday Checking
$1,000 average monthly checking balance3
OR
$750 with recurring monthly direct deposit

eVolve Student Account
$0 with five Bill Pay or ACH transactions per month

Fast Track College Checking
$0 with five Bill Pay or ACH transactions per month

Local Basic Checking – NY & NJ
$0

Earns Interest
Prestige Checking
Interest bearing account

Everyday Checking
Non-interest bearing account

eVolve Student Account
Non-interest bearing account

Fast Track College Checking
Non-interest bearing account

Local Basic Checking – NY & NJ
Non-interest bearing account

No Direct Deposit Required
Prestige Checking
No direct deposit required

Everyday Checking
No direct deposit required

eVolve Student Account
No direct deposit required

Fast Track College Checking
No direct deposit required

Local Basic Checking – NY & NJ
No direct deposit required

Statement Fee
Prestige Checking
$0

Everyday Checking
$2 per statement
OR
$0 if enrolled in paperless statements

eVolve Student Account
$0

Fast Track College Checking
$0

Local Basic Checking – NY & NJ
$0

Monthly Service Fee
Prestige Checking
$12
OR
$0 if minimum balance is met

Everyday Checking
$10
OR
$0 if minimum balance is met

eVolve Student Account
$2
OR
$0 with five Bill Pay or ACH transactions per month

Fast Track College Checking
$4
OR
$0 with five Bill Pay or ACH transactions per month

Local Basic Checking – NY & NJ
$3 monthly service fee will always be applied

Requirements
Prestige Checking
Must be a resident of New York, New Jersey or Florida. Eligible for those who meet minimum balance requirements.

Everyday Checking
Must be a resident of New York, New Jersey or Florida. Eligible for those who meet minimum balance and/or Direct Deposit requirements.

eVolve Student Account
Eligible for high school students aged 13 to 18. Parent or guardian must have a checking account with Local Bank and be primary co-owner.4

Fast Track College Checking
Eligible for college students aged 18 to 24. Proof of enrollment in a higher educational institution must be provided.

Local Basic Checking – NY & NJ
Must be a resident of New York or New Jersey

How to Avoid Monthly Service Fees
Prestige Checking
Avoid monthly service fees by maintaining $2,000 in average monthly checking balance1
OR
$5,000 in combined average monthly deposit balances between this product and other qualifying products2

Everyday Checking
Avoid monthly service fees with $1,000 in average monthly checking balance
OR
recurring monthly direct deposits totaling $7503

eVolve Student Account
Avoid monthly service fees by making five Bill Pay or ACH transactions per month

Fast Track College Checking
Avoid monthly service fees by making five Bill Pay or ACH transactions per month

Local Basic Checking – NY & NJ
Monthly service fee always applies

Access to Online & Mobile Banking
Prestige Checking
Accessible via online and mobile banking

Everyday Checking
Accessible via online and mobile banking

eVolve Student Account
Accessible via online and mobile banking

Fast Track College Checking
Accessible via online and mobile banking

Local Basic Checking – NY & NJ
Accessible via online and mobile banking

Palladium Checking

Privileged banking that pays the rewards you deserve.

Learn more
Palladium Checking