Personal Checking Accounts
Choose the checking account that fits your lifestyle with competitive features, convenient access, and exceptional service.
Compare Our Checking Accounts
Find the perfect checking account for your financial needs, from basic everyday banking to premium services.
Essential Checking
Minimum balance to waive fee: $500
- No minimum opening deposit
- Online and mobile banking
- Debit card with zero liability protection
- Access to 40,000+ fee-free ATMs
- Monthly fee waived with direct deposit of $500+
Premier Checking
Minimum balance to waive fee: $1,500
- No minimum opening deposit
- Online and mobile banking
- Debit card with zero liability protection
- Access to 40,000+ fee-free ATMs
- Monthly fee waived with $1,500 daily balance
- Non-Zenith ATM fee reimbursements (up to 2 per month)
- Free standard checks and money orders
- Preferred rates on loans and CDs
Platinum Checking
Minimum balance to waive fee: $10,000
- No minimum opening deposit
- Online and mobile banking
- Premium debit card with enhanced rewards
- Access to 40,000+ fee-free ATMs
- Monthly fee waived with $10,000 combined balance
- Unlimited ATM fee reimbursements worldwide
- Free checks, money orders, and cashier's checks
- Highest preferred rates on loans and CDs
- Dedicated personal banker
- No foreign transaction fees
Powerful Features for Everyday Banking
All Zenith Horizon checking accounts come with these essential features to make your banking experience seamless.
Mobile Banking
Manage your account anytime, anywhere with our award-winning mobile app. Check balances, deposit checks, pay bills, and transfer money with ease.
Fraud Protection
Rest easy with 24/7 fraud monitoring, zero liability protection, and instant alerts for suspicious activity on your account.
Bill Pay
Pay your bills quickly and securely online. Schedule one-time or recurring payments and never worry about late fees again.
Debit Card
Get instant access to your money with a contactless debit card accepted worldwide, with customizable spending limits and controls.
Zelle® Transfers
Send and receive money in minutes with friends and family, regardless of where they bank, with no fees.
Account Alerts
Stay informed with customizable alerts for deposits, withdrawals, low balances, and more, delivered by text or email.
Frequently Asked Questions
Find answers to common questions about our checking accounts.
How do I open a checking account?
You can open a checking account online in just minutes. Simply click the "Open Account" button, follow the prompts, and have your identification and initial deposit ready. You can also visit any branch or call our customer service.
What do I need to open an account?
You'll need a valid government-issued ID (driver's license, passport, etc.), your Social Security number, contact information, and funds for your initial deposit (if applicable).
How long does it take to receive my debit card?
Your debit card will typically arrive within 7-10 business days after your account is opened. You can start using digital banking features immediately.
Can I switch my checking account type later?
Yes, you can upgrade or change your checking account type at any time. Simply contact customer service or visit a branch to discuss your options.
Ready to open your checking account?
Get started in minutes with our simple online application process.