Checking Account

Online Checking Account Options No matter what your financial goals are, having a checking account is a necessary part of conducting personal business. Esteem Bank Group provides free online checking account options with a variety of balance and reward incentives. Which checking account style is a good fit for you? Compare accounts and then open your checking account online.

Value Checking if you think a checking account should work a little harder for you, then Value Checking was designed for you.
At Esteem Bank Group our primary goals are to keep your funds secure, help you grow your finances, and to provide the most valuable online banking services to help your money do more. Now you can do that with added protection, using our Value Checking account.

• No minimum balance requirement
• VISA debit or ATM card available with no monthly fee
• Free debit card replacement service (Limit 5 per year)
• Privileged status ATM transactions available

Additional Value Checking Account Benefits

• Identity Theft Protection Service that includes
• Free Triple Bureau Credit File Monitoring* Free 3-in-1 Credit Report* Free Credit Score*

Standard Overdraft Practices

• An overdraft occurs when you do not have enough money in your deposit account to cover a transaction, but we pay it anyway. We use the ledger balance less any Regulation CC holds to determine whether your account is overdrawn. Debit card transactions may be posted to your account several days after the merchant receives authorization.
• This means a transaction authorized against sufficient funds in your account may result in an overdraft when it eventually posts if intervening transactions have reduced the ledger balance.
• We may authorize and pay overdrafts for checks; transactions made using your deposit account number, such as ACH or in person withdrawals; and recurring transactions using your debit card. We will NOT authorize or pay overdrafts for ATM transactions or everyday debit card (one-time) transactions unless you opt in.