Debit card activation phone number has changed as of May 8, 2023. Please call 855.485.7039 to activate.

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Personal Checking Accounts

More money. More reasons to switch.

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Make the switch to better banking.

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  • No unnecessary bank fees.
  • No minimum balance requirements.
  • No monthly service fees.
  • Access to 55,000 surcharge-free ATMs.
  • Refunds when you get a fee for using a non-network ATM.*

If you have met your qualifications for the monthly qualification cycle, we will refund domestic ATM fees of $4.99 or less, up to an aggregate amount of $25.00. Transfers between accounts and ATM transactions do not count as qualifying transactions.

What’s even better than free? Rewards!

It’s just a matter of which reward you choose:

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Cash back on everyday purchases.

Get rewarded with cash back on everyday purchases with Cash Back Checking.

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Interest on your monthly balance.

Get rewarded with interest on your balance with a High Interest Checking account.


Your rewards are transferred automatically and your savings add up even faster when you connect your Cash Back Checking or High Interest Checking account to a Savings Plus account.

Apply online in a matter of minutes!

Contactless Debit Cards

Choose from our debit card designs when you open a new account.

Refer friends. Get $50!

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Love banking at Emprise? Your friends will, too! Refer a friend and you will each get $50 when they open a personal or business checking account and meet the qualifications. Be rewarded for sharing the love!

What do I need to do?

  • STEP 1: Create an account in the Emprise Bank Referral Center.
  • STEP 2: From within the Referral Center, refer friends via email, text, Facebook, or Twitter, and easily track the status.
  • STEP 3: Get paid! We will deposit $50 into each of your Emprise checking accounts after your friend meets the qualifications.*
  • STEP 4: Repeat. Earn up to $500 per year in rewards.

*To earn the $50 cash via direct deposit into your Emprise Bank checking account, the referred person must open a new personal or business checking account and have at least two direct deposits (such as payroll or ACH deposit) of at least $200 or more within 60 days after account opening.