Compare Checking Accounts


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At A Glance

Elite Investment Checking

A checking account with benefits in a tiered interest-earning account.1



Select Rewards Checking

A checking account that brings you extra rewards** with everyday savings, protection and more!


Simply Free Checking

A hassle-free, monthly fee free, carefree checking account to meet your daily needs. 


Safe Spending

A safe option if you are looking for a way to avoid overdraft fees.


Student Checking

A checking account with features designed for students under 23 years old.





Compare Accounts


Account Type Elite Investment Select Rewards7† Simply Free Student Safe Spending
Open Account Open Account Open Account Open Account Open Account Open Account
Opening Balance Requirement $100 $25 $25 $25 $25
Early Pay (1 day)2 Green check mark Green check mark Green check mark Green check mark Green check mark
MoneyPass® 38,000+ATMs3 Green check mark Green check mark


Mobile Banking4 with Check Deposit5 Green check mark Green check mark Green check mark Green check mark Green check mark
Online Banking with Bill Pay Green check mark Green check mark Green check mark Green check mark Green check mark
Visa Debit Card & Controls Green check mark Green check mark Green check mark Green check mark Green check mark
Free eStatements6 Green check mark Green check mark Green check mark Green check mark Green check mark
Rewards & Benefits
Interest Earned on Balances1

Unlimited ATM Fee Waivers

Mortgage Discount:
$250 off closing

No Fee Money Orders
& Cashier's Checks

Complimentary
Standard Checks
Credit Monitoring*

Identity Monitoring*

Dark Web Monitoring*

Cell Phone Protection

Online Shopping Discounts

Movie & Theme Park Discounts

Roadside Assistance

Health Discount Savings*

(See Insurance Disclosure)


Monthly Service Charge
$20 $6 $0 $5 $5

No monthly service charge when you meet one of the following requirements each statement cycle:

Maintain daily balance of $5,000

OR

Maintain average balance of $10,000 per statement cycle
Non-Waivable
eStatements required. 

$5 monthly fee will be charged if paper statements are chosen.
No monthly service charge when you meet all of the following requirements each statement cycle:

Enrolled in Digital Banking

AND

Signed up for eStatements

AND

Under 23 years old
Non-Waivable



Saving Cents


Round up your debit card purchases automatically and put the change in your savings with Saving Cents.

How It Works

  • Choose - Choose how much you'd like to round up your debit card purchases from your Academy Bank checking account. Options range from the nearest $1 to $5 increment.
  • Save - Every time you make a purchase, we’ll round it up. Each night all the extra change is transferred automatically from your checking to your savings.
  • Track - See what you saved on your bank statement each month.

To sign up for the Academy Bank Saving Cents program, log in to Digital Banking and send us a message. Or, call or visit a branch for assistance.

Your Purchase Rounded Up Transferred to Savings
$21.35 $22.00 $0.65
$30.23 $31.00 $0.77
$14.54 $15.00 $0.46




Overdraft Resources



* Registration/activation required.

1 Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.  If the account is closed prior to the interest payment date, no interest will be paid.  Fees may be charged to the account which could reduce earnings.

2 Direct deposit required.  Maximum ACH credit is $15,000.00. 

3 No fees for withdrawals, transfers, balance inquiries or denied ATM transactions at ATMs in the MoneyPass® Network if you have a MoneyPass® logo on the back of your card. MoneyPass® Network ATMs are within the U.S. only. 

4 Message and data rates charged by your mobile phone carrier may apply.

5 Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply.

6 Free eStatements or $5 paper statements for Select Rewards and Simply Digital Checking accounts.  Paper statements are free for Elite Investment account holders.

7  Benefits are available to personal checking accounts and their primary account owner and joint account owner(s) subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits.  Some Benefits require authentication, registration and/or activation.  Benefits are not available to the "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employee/students.

Closing new accounts within 90 days of opening will result in a $25 early closure fee.


† Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  

INSURANCE DISCLOSURE: Insurance products are NOT insured by FDIC or any Federal Government Agency; NOT a deposit of or guaranteed by the bank or any bank affiliate. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.