Own Your Finances With a
Ponce Bank Checking Account

Get our free mobile banking app, avoid monthly fees, and access over 35,000 surcharge-free ATMs.
  • Minority-Friendly Bank
  • 35,000+ Free ATMs
  • Bank With Purpose

Find the Right Checking Account for You
Best For Direct deposit or an automatic payment with this account 50 years or over Keep more than $1,500 in your account Just getting started
Annual Percentage Yield (APY)² See the full list of interest rates.
0.05%
 0.05% 0.15%
 0%
Minimum Deposit
$50
 $50 $1500 $50
Monthly Service Charge
$10
If minimum balance falls below $500
 $0
$0

$7 monthly charge if balance falls below $1,500 any day in the statement cycle

 $0
Checks / Cards Checks available for purchase Free standard checks Free standard checks Free Debit Card
Learn More Learn More Learn More Learn More

Smart Checking, Simplified

Frame (24)

Simply Free Checking

A straightforward, worry-free account for everyday banking. Enjoy no monthly service fees, unlimited check writing, and easy access to your money—perfect for those who want a simple, reliable solution. 
Vector

50+ Interest Checking

Earn competitive interest while maintaining full access to your funds. Designed for customers 50+, this account combines everyday convenience with added earning potential. 
Frame (25)

Direct Interest Checking

Make your money work harder with automatic interest through direct deposit. Ideal for salaried employees or benefit recipients looking to maximize their paycheck. 
Edit Square

Premium Interest Checking

Earn more with higher balances while staying liquid. With tiered interest rates and no monthly fees when balance requirements are met, it’s a smart option for growing your savings. 
Category-2

Young Explorer Account

Help build strong financial habits early. Designed for kids and teens, this account offers a safe and simple way to start managing money. 

Manage your money

Debit Card

Withdraw cash from your account using ATMs. Your mobile app lets you turn on/off your card as needed.

E-Statements

Get your monthly statements emailed to your inbox.

Order Checks

Need more checks? You can order your check book online.
Frame 1321315002 (1)-2

Add Funds to Your Accounts

  • Mobile Deposit
    Take a photo of your check and deposit into your account. You don’t need an ATM.
  • Direct Deposit
    Your employer can put deposits straight into your account.
    You don’t need to wait for a paper paycheck.
Get Started

Make Payments Digitally

Zelle®

A fast, safe and easy way to send money directly between almost any bank account in the U.S., typically within minutes.

Bill Pay

If you have recurring payments like rent, you can instruct Ponce Bank to send the payment from your bank account electronically every month.

Automatic Payments

For recurring payments such as credit card bills, you can authorize the vendor to automatically withdraw funds from your bank account.
Frame 1321315002 (2)

You may also benefit from...
Commercial Checking

Manage high transaction volumes with an account built for established businesses.

  • $15 monthly service charge for robust account management.
  • Pay a simple 15¢ fee per transaction item.
  • Handle large cash deposits with a 50¢ fee per $1,000.
Get Started
iPhone 14 Pro (1)

Streamline Your Operations with Powerful Tools

Integrate your Ponce Bank checking account with services designed to save you time and protect your bottom line.

APYs effective as of April 9, 2026. Products, services, terms, conditions and interest rates subject to change without notice.

1 Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See consumer schedule of fees for details. Fees may reduce earnings.

2 APY-Annual Percentage Yield. Rate may change after the account is opened.

3 Premium Interest Checking APYs:
– Premium Interest Checking (0 to less than $1,500): 0.05%
– Premium Interest Checking ($1,500 to less than $50,000): 0.08%
– Premium Interest Checking ($50,000 and greater): 0.10%