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Personal Checking Accounts

More than a bank. More than just free checking.

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More than a bank. A financial partner.

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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:

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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!

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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.

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 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.