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From picking up groceries and getting gas, to making dinner, then meeting friends for a night out on the town, you live life on the go. So, go with the simplicity and convenience of Ion Bank Personal Checking.

Choose from account options with no monthly fees, plus Online and Mobile Banking to keep you connected to your money anytime, anywhere. So wherever life takes you next, easy everyday banking always goes with you.

What's better - free or efficient?

With Ion Bank, you don't have to choose! It's basic, common sense checking — and it's totally free for the taking.

Features

  • No monthly fee
  • No minimum balance
  • Free first order of checks1
  • Free Online Banking & Bill Pay
  • Free Debit MasterCard®
  • Free ATM Transactions2
  • Free Bank-by-Phone
  • Free Direct Deposit
  • Free Unlimited Check Writing

Free, efficient, and with ATM rebates.

Our totally free checking account with other banks' ATM fees refunded. We do not charge a fee to use other banks’ ATMs and will refund other banks' ATM fees3.

Features

  • No monthly fee
  • No minimum balance
  • Free first order of checks1
  • Refund other bank’s ATM fees3
  • Free Debit MasterCard®
  • Free Direct Deposit
  • Free eStatements
  • Free Online Banking & Bill Pay
  • Free Bank-by-Phone
  • Free unlimited check writing

Looking for competitive interest rates?

This tiered account earns you different interest rates depending on your account balance. Minimum balance to open is $50. You can avoid a monthly fee by maintaining a daily minimum balance of $1,000 in this account or $3,000 minimum balance in a linked savings account.

Features

  • Free first order of checks1
  • Free Online Banking & Bill Pay
  • Free Debit MasterCard®
  • Free ATM Transactions2
  • Free Bank-by-Phone
  • Free Direct Deposit
  • Free Unlimited Check Writing

Customers 50 years of age and older

Benefit from the following features when opening a personal checking account with us.

Features

  • No monthly fee
  • No minimum balance
  • Free checks1
  • Free Online Banking & Bill Pay
  • Free Debit MasterCard®
  • Free ATM Transactions2
  • Free Bank-by-Phone
  • Free Direct Deposit
  • Free Unlimited Check Writing

If you're age 50 or older,

Start up a competitive, interest-bearing account with Ion Bank today!

Features

  • No monthly fee
  • No minimum balance
  • Free first order of checks1
  • Free Online Banking & Bill Pay
  • Free Debit MasterCard®
  • Free ATM Transactions2
  • Free Bank-by-Phone
  • Free Direct Deposit
  • Free Unlimited Check Writing

Step up to higher interest rates for higher balances.

Our Money Market account makes saving easy! It's the best of interest plus access.

Features

  • Online Banking & Bill Pay
  • Unlimited in-branch withdrawals
  • Direct Deposit
  • Bank-by-Phone

Easy Switch

Does your current personal checking account not match your lifestyle?

Easy access to your funds and getting competitive interest shouldn’t be a challenge. Make the move to Ion Bank with our Easy Switch kit.

¹ Select check styles.
² Free ATM transactions at Ion Bank ATMs. Ion Bank does not charge when you use your card at another bank’s ATM, however other banks’ fees may apply.
3 Free ATM transactions at Ion Bank ATMs. Ion Bank does not charge when you use your debit card at another bank’s ATM and will refund other banks’ ATM fees that apply up to a maximum refund of $16 per statement cycle. Customers 24 years of age and older must be enrolled to receive eStatements and conduct five (5) Point of Sale Debit MasterCard transactions per statement cycle. Customers under 24 years of age are only required to enroll to receive eStatements. Refunds post on last day of statement cycle while account is open and may be reported as income on IRS Form 1099.