Current Accounts

A checking account that works as hard as you do

Pay, deposit and manage your money from anywhere. Choose the Accses current account that fits how you live — every option includes a contactless debit card, mobile check deposit and 24/7 fraud monitoring.

Open a checking account See details

$0monthly fee with qualifying direct deposit

Why customers choose Current Accounts

Early direct deposit

Get your paycheck up to 2 days early when your employer sends it.

40,000+ free ATMs

Withdraw cash fee-free across the Accses and partner ATM network.

Overdraft protection

Link your savings to cover shortfalls automatically, with no transfer fee.

Mobile check deposit

Snap a photo of a check and deposit it in seconds.

Compare your options

Pick the one that fits today — you can switch any time.

Accses Essential

$4.95

per month, or $0 for under 25

No overdraft fees
Contactless debit card
Online & mobile access
Bill Pay included

Choose this option

Accses Everyday

$12

per month, or $0 with $250 direct deposit

Paper or e-checks
Early direct deposit
Overdraft protection
Cash-back debit offers

Choose this option

Accses Premier

$25

per month, or $0 with $20,000 combined balance

Earns 0.10% APY
No fees on non-network ATMs
Free cashier’s checks
Dedicated relationship line

Choose this option

Getting started

Up and running in three simple steps

Tell us about yourselfApply online in about 5 minutes with your ID and contact details.
Get a quick decisionMost applications are approved instantly — some take one business day.
Start using your accountLog in to Online Access, add your card to your phone and you’re set.

Open a checking account

Frequently asked questions

What do I need to open a checking account?

A government-issued ID, your Social Security number, and a U.S. residential address. It takes about 5 minutes online.

Is there a minimum opening deposit?

You can open with as little as $25 for Essential and Everyday, and $100 for Premier.

How do I avoid the monthly fee?

Each plan has a simple waiver — direct deposit, a combined balance, or being under 25 — shown on the plan card.

A checking account that works as hard as you do

Why customers choose Current Accounts

Early direct deposit

40,000+ free ATMs

Overdraft protection

Mobile check deposit

Compare your options

Accses Essential

Accses Everyday

Accses Premier

Up and running in three simple steps

Frequently asked questions

You might also be interested in

Savings Accounts

Certificates of Deposit

Debit Cards

Have questions? Talk to a specialist.