Find the Right Account for You

Compare our checking options side by side to see which best fits your needs, lifestyle and financial goals.

Compare Personal Checking Accounts

Account Minimum Balance Minimum to Open Interest Service Charges And… Check Writing Open Online
Free Checking None $25 None None
  • No fees on foreign ATM withdrawals for customers age 16-24
 Unlimited
WOW Checking* None $50 2.02% APY* on balances up to $99,999.99, and 1.01% APY* on balances of $100,000+, or 0.10% APY* if qualifications are not met None
  • Free ATM withdrawals anywhere in the U.S., if requirements are met
 Unlimited
At Ease Checking* $50 $50 ✓ None
  • International statement fee waived
  • International transaction fees refunded
  • Out-of-Network ATM fees waived

Qualifications apply.

 Unlimited
Checking Plus None $50 None None
  • Cell Phone Protection
  • Credit Monitoring & Monthly Credit Score
  • Full Managed Recovery Advocate
  • $25k Identity Theft Expense Reimbursement (not available to NY residents)
 Unlimited N/A
Stress Less Account None $25 None $5.00/month
  • No overdraft fees, dormancy fees or early closure fees
  • Electronic Statement (eStatement) encouraged – $2.00 fee if not enrolled
  • Checkless account; conduct transactions using debit card or online banking
 N/A N/A

Compare Personal Checking Accounts

ESSA Bank’s Free Checking account offers worry-free banking without monthly service charges or minimum balance fees.

  • No minimum balance fee
  • $25 minimum to open
  • No monthly service charge
  • Unlimited check writing and withdrawals
  • Debit card available with Scorecard Rewards®, offering 1 point per $2 spent on net purchases
  • Free foreign ATM withdrawals for customers age 16-24
  • Free access to Mobile Banking with the goVivo® app
  • Free access to Personal eBanking with Bill Pay and eStatement

Open Now With goVivo

Qualify for premium interest on this free checking account easily by performing three simple steps each calendar month**

  1. Twelve (12) Visa check card purchase transactions must post to your account
  2. Have one Direct Deposit or ACH payment
  3. Enroll for and receive eStatements within eBanking
  • Free ATM withdrawals anywhere in the U.S. (upon qualification)
  • No minimum balance fee
  • $50 minimum to open
  • 2.02% APY* on balances up to $99,999.99, and 1.01% APY* on balances of $100,000+, or 0.10% APY* if qualifications are not met

Open Now With goVivo

Veterans, active service members, and their families are eligible for our At Ease Checking account that features premium interest and special services combined with the quality, friendly service you expect from your bank.

  • $50 minimum to open
  • $50 minimum balance
  • Earns interest
  • No minimum balance fee
  • No monthly service charge
  • International statement fee waived
  • International transaction fees refunded
  • Out-of-Network ATM fees waived
  • Special “At Ease” debit card available
  • Unlimited check writing and withdrawals
  • Online and Mobile Banking with free bill pay and eStatements
  • Entitlement to credit monitoring and credit score1
  • Overdraft Line of Credit Protection available

Open Now With goVivo

$50 minimum to open. Military identification is required to qualify for the At Ease account package features and benefits. Veterans, Active Duty Service Members and their families (including surviving spouses of a deceased veteran, beneficiaries, and caregivers) qualify.

1MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. Monitoring Services are provided by TransUnion®, subject to change, and are applicable to individuals age 18 and older who have a valid credit file. The credit score provided may not be consistent with the credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.

Our Checking Plus Account provides comprehensive identity theft protection and recovery services for just $8.00 per month, safeguarding you and your family from one of the fastest-growing crimes in America.

  • Cell Phone Protection
  • Credit Monitoring & Monthly Credit Score
  • Full Managed Recovery Advocate
  • $25k Identity Theft Expense Reimbursement (not available to NY residents)
  • No minimum balance
  • $50 minimum to open

ESSA Bank’s offers you peace of mind with no overdraft fees, and the convenience of easy account access with checkless banking.

  • No overdraft fees, dormancy fees or early closure fees
  • Checkless banking
  • No minimum balance
  • Free access to Mobile & Online Banking including Mobile Deposit, Bill Pay, eStatements* & Zelle®
  • Visa® debit card with reward points, and access to MoneyPass networks
  • $25 to open account
  • ServiceCall Available, 24/7 Access to your Account
  • Option to open savings account
  • Low monthly service charge
    eStatements are encouraged, or a $2/month fee is applied for paper statements.
eBanking with Bill Pay and eStatement
Mobile Banking with goVivo®
Mobile check deposits
Send and receive money quickly and easily with Zelle®
External transfers (to your accounts at other financial institutions)
Visa® debit card with reward points
Mobile debit card controls
Misplace your debit card? Deactivate it with a click.
Free Withdrawals at over 25,000 ATMs nationwide.

*Annual Percentage Yield (APY) of 2.02% is applicable for qualifying balances between $0 and $99,999.99. Qualifying balances of $100,000 and over will have an APY ranging from 2.02% and 1.01% depending on the balance in the account. If qualifications are not met, the APY will be 0.10%. The minimum balance to open an account is $50. APY’s are accurate as of October 31, 2025 and are subject to change after account opening. Fees may reduce earnings.

Qualify for WOW & At Ease Checking easily by performing three simple steps each calendar month**:

12 Visa check card purchase transactions must post to your account | Have one Direct Deposit or ACH Auto Debit | Enroll and receive eStatements through eBanking
**Monthly qualification period ends the last business day of the month

Military identification is required to qualify for the At Ease account package features and benefits. Veterans, Active Duty Service Members and their families (including surviving spouses of a deceased veteran, beneficiaries, and caregivers) qualify.

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