Personal Checking that fits your lifestyle.

At Ion Bank, we have checking accounts for every lifestyle and how you choose to do your banking. Whether you prefer to use only checks, pay bills online or both, there are many benefits of opening an Ion Bank checking account. Get easy access to your funds, a free debit card and make withdrawals from one of our convenient ATM locations.

Choose the simplicity and convenience of Ion Bank’s Personal Checking with options including basic free accounts, high balance accounts, interest bearing accounts and checking for those over 50 years old. Take advantage of great features like no monthly fees, free checks, Online and Mobile Banking to stay connected to your money anytime, anywhere.


mom with baby doing her banking

Ready to Open a Checking Account?

Wherever life takes you next, easy access to banking always goes with you.

Free Checking

Free, efficient checking account with basic features.

  • No monthly fees
  • No minimum balance
  • Free Debit MasterCard®
Account Features

On the Go Checking

A free checking account that refunds ATM fees from other banks.

  • No monthly fees
  • No minimum balance
  • Free direct deposit

Account Features

Preferred Checking with Interest

Earn interest depending on the balance in your checking account.

  • Free Debit MasterCard
  • Free ATM transactions
  • Free Unlimited Check Writing

Account Features

Classic 50 Checking

A free checking account for customers 50+ over with convenient features.

  • No monthly fees
  • No minimum balance
  • Free checks

Account Features

Classic 50 Checking with Interest

Customers 50+ over can earn competitive interest on their checking account balance.

  • No monthly fees
  • No minimum balance
  • Free ATM transactions

Account Features

Money Market Accounts

Step up to higher interest rates for higher balances. Our Money Market account makes saving easy! It’s the best of interest plus access.

uChoose Rewards

Earn reward points on qualifying purchases whenever you swipe your uChoose Debit Card. Every $2 spent earns you one point towards cash back or thousands of reward options via the online rewards store.

Ka-Ching!

Earn while you spend with your Ion Bank Debit MasterCard®. For every purchase over $50 we will deposit the amount of cents in your transaction into your Ka-Ching! Savings Account.


Explore Additional Personal Banking Products

Easy Switch

Is your current personal checking account a mismatch for your lifestyle? At Ion Bank, we offer a variety of account options to help everyone reach their financial goals. It shouldn’t be a challenge to access your funds, make online payments, transfer money or gain competitive interest.

Make the move to Ion Bank today with our Easy Switch kit!