PERSONAL CHECKING ACCOUNTS
Checking options that fit your lifestyle? Check.
Which of our great checking accounts is right for you? We offer accounts with no service fees, low service fees, accounts that draw interest — and definitely an account that’ll fit the way you manage your money.
Checking Comparison Chart
Here they are, all in one place — so you can see at a glance which of our checking accounts is the perfect fit for you.
| Your Benefits | Digital Checking | Free Checking | VIP Free Interest checking | Performance+ Checking |
|---|---|---|---|---|
| Get Started | Open | Open | Open | Open |
| Requirements | None | None | Direct Deposit or automatic payment | None |
| Minimum Balance to Open | $50 | $50 | $50 | $50 |
| Monthly Service Fee | $6.00 unless customer has 25 debit card transactions and a direct deposit1 |
None | None | $8.00 if balance falls below $1,000 |
| Interest Bearing | No | No | Yes2 | Yes2 |
| Interest Tiers | N/A | N/A | Single Tier | >= $2,500 >= $25,000 >= $50,000 |
| ATM Fees | Three ATM fee refunds3,4 | Access to over 20,000 surcharge-free ATMs. $2.50 per withdrawal for out of network ATMs4. | ||
| Personal Checks | Customer pays for checks. | |||
| Overdraft | In the case of an overdraft, a $35.00 per item or $175 daily max overdraft fee will apply. | |||
- Debit cards with no monthly fees
- Free online banking and bill pay
- Free mobile banking with mobile check deposit
- Free online statements
- Free access to VISA® Checkout
1To qualify for the monthly Service Charge reversal, 25 debit card purchases posted to your account (online or in person) and receipt of at least one ACH (direct deposit) transaction into the account must be completed by the last day of your statement cycle. Transfers from one account to another, or deposits made at a banking location or ATM, do not qualify as a direct deposit. Account must be open on the last day of your statement cycle to be eligible for the monthly Service Charge reversal. $2.00 monthly fee if online statements are declined.
2Simple interest compounded monthly.
3The first three out-of-network ATM transaction fees will be refunded to your account on the same day the transaction posts. After the third transaction, a $2.50 per withdrawal fee will apply for out-of-network ATMs.
4ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction, and you may be charged a fee for a balance inquiry at an ATM. "Out of Network" means ATM transactions occurring out of the MoneyPass, NETs or Shazam Privileged status ATM networks. For in-network ATM options, go to www.greatwesternbank.com/locations.
ATMs outside of the United States are also considered out-of-network ATMs.
All checking products and services are subject to applicable customer agreements, terms and conditions. Offers apply to personal checking accounts only; business and corporate accounts do not qualify. Bank rules and regulations apply. Minimum opening deposit is only $50.