![Girl shopping with debit card.](https://assets-us-01.kc-usercontent.com:443/f5e766da-54ee-0098-6d87-4ff07b1ca90f/2cfd1c4d-78d1-4d07-acfd-1f9fe2af7152/AdobeStock_291680811.jpg?w=1920&h=649&auto=format&bg=%23bbbbbb&fit=crop)
More than a bank. A financial partner.
![Person checking my insights on phone](https://assets-us-01.kc-usercontent.com:443/f5e766da-54ee-0098-6d87-4ff07b1ca90f/4cfa66fe-bf83-44e6-9baf-170a8e7de607/MXcrop2.png?w=2176&h=2144&auto=format&bg=%23bbbbbb&fit=crop)
At Emprise, we believe our customers deserve more than just a free checking account. We want to be a true financial partner who helps you reach your financial goals.
- Mobile app that provides personalized financial insights.
- 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.*
- Financial advice from our friendly and knowledgeable associates.
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:
![Cash in wallet](https://assets-us-01.kc-usercontent.com:443/f5e766da-54ee-0098-6d87-4ff07b1ca90f/4f2fad76-1cec-42a2-bc7c-4cc190d15a3a/012023_checking_Header.png?w=1603&h=604&auto=format&fit=crop)
Cash back on everyday purchases.
Get rewarded with cash back on everyday purchases with Cash Back Checking.
![Two people sit on couch together smiling](https://assets-us-01.kc-usercontent.com:443/f5e766da-54ee-0098-6d87-4ff07b1ca90f/416bff86-976a-4274-bcb5-5fa0eb8493ed/032021cbc_landing_page_header_image_template__banner.jpg?w=1600&h=600&auto=format&fit=crop)
Interest on your monthly balance.
Get rewarded with interest on your balance with a High Interest Checking account.
BONUS
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!
![Group of students in pose for photo in library](https://assets-us-01.kc-usercontent.com:443/f5e766da-54ee-0098-6d87-4ff07b1ca90f/57915062-46cf-4b6e-a6d3-739222102f0a/AdobeStock_169665663.jpeg?w=320&h=229&auto=format&fit=crop)
Student Checking Account
Emprise Bank’s free student checking account has no monthly fee with a wide assortment of digital tools included for students ages 10 through 23.
![Debit card options](https://assets-us-01.kc-usercontent.com:443/f5e766da-54ee-0098-6d87-4ff07b1ca90f/b561805a-43b5-46b9-8836-4694d6eb8721/Consumerdebitcardshighlight_noyellowcard.jpg?w=801&h=469&auto=format&fit=crop)
Contactless Debit Cards
Choose from our debit card designs when you open a new account.
Refer friends. Get $50!
![Hand with blue heart in palm](https://assets-us-01.kc-usercontent.com:443/f5e766da-54ee-0098-6d87-4ff07b1ca90f/4f472403-addc-4658-9d52-772e921baf06/HeartPalm.png?w=242&h=349&auto=format&fit=crop)
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 or text, 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.