How to Choose a checking account

No matter what stage of life you are in, Traditions Bank has products that will help you reach your financial goals. From a basic checking account to our unique interest-earning checking accounts, we’ll work with you to find just the right account or combination of accounts to meet your needs.

PowerUp Checking

PowerUp Checking

Forget the Fees. PowerUp Pays You!
Woman using laptop with her debit card in hand

PowerUp Checking is an innovative checking account that turns your Traditions Bank debit card purchases and a few clicks of your mouse into an unexpected interest rate!

  • No minimum balance requirement
  • No monthly service fees
  • FREE debit card compatible with Apple Pay®, Google Pay™ and Samsung Pay®
  • Free online banking and bill pay
  • Free mobile banking with mobile check deposit
  • FREE e-statements
  • FREE use of Zelle®
  • FREE card control and real-time alerts
  • Free unlimited check writing
  • No Traditions Bank charge on any foreign ATM withdrawals
  • Surcharge-Free MoneyPass® ATM network member*

Account qualifications per statement cycle in order to earn the highest available APY**:

  • At least 15 posted debit or credit point of sale (POS) purchases using your Traditions Bank debit card
  • At least one ACH credit or debit (direct deposit or automatic payment) from your account
  • Use of a monthly E-Statement
  • A valid email address

*ATMs outside of the MoneyPass® network may charge a fee for withdrawals.
†Standard data and text messaging rates may apply.
**Annual Percentage Yield. New qualifying cycle begins each statement period. For Personal Accounts only.

 

PowerUp Checking as of June 20, 2024Rates may change without notice.
Balance Interest Rate APY*
Balances up to $20,000 2.96 3.00
Over $20,000 0.05 3.00 to 0.29

*Annual Percentage Yield (APY) is subject to change after account is opened. APY assumes the following account qualifications are met per statement cycle in order to earn the highest available APY: at least 15 posted Debit or Credit point-of-sale (POS) transactions using your Traditions Bank Debit Card, at least one ACH Credit or Debit (Direct Deposit or Automatic Payment) from your account, and use of a monthly e-statement. If these qualifications are not met, the APY will be 0.05% on all balances in the account for the statement period.

Minimum deposit required to open account is $100.


Would you like to learn more about PowerUp Checking? Complete the form below and we’ll be happy to call or email you to explain how this interest-earning, no-fee checking account can work for you!

  • First Name
  • Last Name
  • Email
  • Phone
  • Address
  • Address Line 2
  • City
  • State
  • Zip
  • Comment / Questions
  • This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Traditions Bank keeps your information private. It will not be shared with third parties who will contact you. View our Privacy Policy.

  • This field is for validation purposes and should be left unchanged.
Effortless Checking

Effortless Checking

Dad holding his son on his back outside by a tree with the Traditions Bank Effortless Checking Bank On certification seal for 2023 - 2024
A checkless checking account with no overdraft fees.

Effortless Checking is a simple checkless checking account that helps you safely deposit your paycheck, pay bills, establish credit, save for emergencies, and access your funds without carrying cash.

Less worry – This account doesn’t charge overdraft or non-sufficient funds fees, so you’ll never be hit with a surprise fee.

Low monthly fee – $5 per month

Lots of benefits such as:

  • FREE debit card compatible with Apple Pay®, Google Pay™ and Samsung Pay®
  • FREE online banking and bill pay
  • FREE mobile banking with mobile check deposit
  • FREE e-statements
  • FREE use of Zelle®
  • FREE card control and real-time alerts
  • No minimum balance requirement
  • NO Traditions Bank charge on any U.S. ATM withdrawals
  • Surcharge-Free MoneyPass® ATM network member*

†Standard data and text messaging rates may apply.
*ATMs outside of the MoneyPass® network may charge a fee for withdrawals.

Would you like to learn more about Effortless Checking? Complete the form below and we’ll be happy to call or email you to explain how this no-worry bank account can work for you!

  • First Name
  • Last Name
  • Email
  • Phone
  • Address
  • Address Line 2
  • City
  • State
  • Zip
  • Comment / Questions
  • This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Traditions Bank keeps your information private. It will not be shared with third parties who will contact you. View our Privacy Policy.

  • This field is for validation purposes and should be left unchanged.
Basic Checking

Basic CheckingMoneyPass Logo

A checking account that’s solid and dependable stands the test of time.

So, pursue those traditions that make life meaningful and manage your money well in the process. This account will be there for you, and so will we.

  • FREE debit card compatible with Apple Pay®, Google Pay™ and Samsung Pay®
  • FREE online banking and bill pay
  • FREE mobile banking with mobile check deposit
  • FREE e-statements
  • FREE use of Zelle®
  • FREE card control and real-time alerts
  • No minimum balance requirement
  • NO Traditions Bank charge on any U.S. ATM withdrawals
  • Surcharge-Free MoneyPass® ATM network member*

A monthly service fee of $12.00 is avoided with at least one ACH credit/direct deposit per statement cycle.

†Standard data and text messaging rates may apply.
*ATMs outside of the MoneyPass® network may charge a fee for withdrawals.

Contact Us to Learn More 

Checking with Interest

Checking with Interest
Young man relaxing on the terrace of his apartment, lying in a hammock and using smart phone

Smart savers don’t let their money sit around doing nothing.

That’s why we offer Checking with Interest featuring tiered interest rates.

  • Free financial consultation upon request
  • Free point-of-sale transactions with a Traditions Bank MasterCard MasterMoney™ debit card,
    compatible with Apple Pay®, Google Pay™ and Samsung Pay®
  • Free online banking and bill pay
  • Free mobile banking with mobile check deposit
  • FREE e-statements
  • FREE use of Zelle®
  • FREE card control and real-time alerts
  • No Traditions Bank charge on any foreign ATM withdrawals
  • Surcharge-Free MoneyPass® ATM network member*

Our Checking with Interest account offers tiered competitive interest rates that begin with a balance of $0.01. A monthly service fee of $12.00 is avoided by maintaining a minimum balance of $1,000.
†Standard data and text messaging rates may apply.
*ATMs outside of the MoneyPass® network may charge a fee for withdrawals.

In addition, you may qualify for the following:

Relationship Benefits

Minimum balance for Checking with Interest is waived, a monthly service fee of $12.00 is avoided, and a 50% discount on safe deposit box rental is given if your account is linked to one of the following:

  • Savings balance of $2,500 or more
  • Certificate of Deposit balance of $10,000 or more
  • Total Personal Loan balance of $15,000 or more
  • Any combination of the above, plus Money Market balances, for a total of $15,000 or more

Traditions Privileges

Checking with Interest account owners age 50 and older qualify for free specialty checks and a 50% discount on safe deposit rentals.

Contact Us to Learn More 

Checking with Interest as of June 20, 2024Rates may change without notice.
Balance Interest Rate APY*
$0.01 to $99,999.99 0.05 0.05
$100,000 & Over 0.05 0.05

*Annual Percentage Yield (APY) is subject to change after account is opened. Fees could reduce earnings. Minimum deposit required to open the account is $100.

Online Banking

New to Online Banking? Enroll Now

You are about to leave the Traditions Bank website

The website you have selected is an external website located on another server. Traditions Bank has no responsibility for any external websites. It neither endorses the information, content, presentation, or accuracy, nor makes any warranty, express or implied, regarding an external site.