Compare Checking Accounts
Whether you want to manage your account online or earn interest on your checking account balances, we have a checking account to fit your lifestyle.
FIND AN ADVISORAccount Overview Comparison
Essential Checking
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- $200 opening deposit
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$10 monthly cycle maintenance fee waived if one of the following requirements is met:
- Monthly automatic (ACH) direct deposit into this account
- $500 minimum daily ledger balance1
- $1,000 average monthly cycle ledger balance
- $100,000 combined related aggregate ledger balance 2
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- Unlimited transaction/activity fees
- Per Check, On-Us ATM, Foreign ATM or ACH/Electronic
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- No charge for check safekeeping
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Overdraft Services4
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Account Features
Signature Checking
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- $200 opening deposit
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$20 monthly cycle maintenance fee waived if one of the following requirements is met:
- $1,000 minimum daily ledger balance1
- $10,000 average monthly cycle ledger balance
- $150,000 combined related aggregate ledger balance2
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- Unlimited transaction/activity fees
- Per Check, On-Us ATM, Foreign ATM or ACH/Electronic
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Essential Checking for young adults3
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- Tiered interest rate
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- Monthly interest payment frequency
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- No charge for check safekeeping
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Overdraft Services4
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Account Features
1 Opening an account with an amount less than the Minimum Daily Ledger Balance will result in the account being assessed a Monthly Cycle Maintenance Fee for the initial monthly cycle, unless another balance qualification is met or a monthly direct deposit is established.
2 Defined as the lowest daily combined Ledger Balance of this Account and all “Related Accounts” that have been designated by you and linked by the Bank for this purpose.
Related Accounts include designated consumer savings, money market, certificate of deposit accounts, and current outstanding principal consumer and mortgage loan balances. Classic Lines of Credit and certain deposit account balances for retirement or tax-deferred accounts are excluded. Related Accounts may not be linked with more than one account for purposes of Combined Related Aggregate Ledger Balances.
3 Young Adults under the age of 25 are eligible for a free Essential Checking account if a parent or guardian maintains a Johnson Bank interest bearing checking (demand deposit) account.
4 Credit products are subject to standard underwriting, approval, terms and conditions.
Other Information: Minimum age to open an individual checking account is 18. Additional fees may apply, see the Fee Schedule for more information.
Open an account
- Bring at least one form of the following valid photo IDs:
- Driver's license
- Passport
- Government
- Student
- Tribal identification
- Provide the following personal information:
- Date of birth
- Physical address
- Phone number
- Make an opening deposit for the new account.
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