From simple everyday banking to premium rewards, find the perfect checking solution that matches how you manage money.
Compare our checking accounts and find the one that fits your financial habits.
* Fee waived when requirements are met. See account details for complete information.
| Features | Essential | Interest Advantage | Premium Rewards | Campus Edge |
|---|---|---|---|---|
| Monthly Fee | $0 | $10 (waived with $1,500) | $25 (waived with $10,000) | $0 |
| Minimum to Open | $25 | $100 | $500 | $25 |
| Interest Rate (APY) | 0.01% | 0.35% | 0.75% | 0.05% |
| ATM Network | 45k+ fee-free | 45k+ fee-free | Unlimited rebates | 45k+ fee-free |
| Free Checks | Premium | |||
| Wire Transfers | $15 each | 2 free/month | Unlimited free | $10 each |
| Foreign Transaction Fee | 3% | 1% | 0% | 3% |
The Essential Checking account is designed for customers who want straightforward banking without complicated requirements. Ideal for everyday use, this account offers all the core features you need to manage your money effectively.
Key Benefits:
Requirements: $25 minimum opening deposit. Must be 18 years or older to open.
Our most popular checking account combines everyday convenience with earnings potential. The Interest Advantage account rewards you for maintaining higher balances while providing premium features.
Interest Rates:
Fee Waiver Options: The $10 monthly fee is waived when you:
Additional Features: Free specialty checks, 2 free incoming wire transfers per month, overdraft protection available.
Experience banking at its finest with our Premium Rewards account. Designed for customers who demand the best, this account offers exceptional benefits and personalized service.
Premium Benefits:
Fee Waiver: $25 monthly fee waived with $10,000 minimum daily balance OR $50,000 in combined relationship balances.
Built specifically for students ages 17-24, the Campus Edge account helps young adults build healthy financial habits while enjoying fee-free banking.
Student-Friendly Features:
Requirements: Must be a student aged 17-24. Valid student ID required if over 18. Customers under 18 require a parent or guardian as joint account holder.
Bank from anywhere with our award-winning mobile app. Deposit checks, transfer funds, and pay bills on the go.
24/7 monitoring with zero liability protection. We'll alert you of suspicious activity and help resolve issues quickly.
Customizable alerts for low balances, large transactions, and more. Stay in control of your money.
Automatic categorization of expenses helps you understand spending patterns and budget effectively.
Our Switch Kit simplifies the process of moving your accounts to Ashmore Trust Bank. We'll help you transition smoothly with minimal disruption.
Get all the forms you need in one convenient package.
Complete the direct deposit change and automatic payment transfer forms.
Bring the completed forms to any branch, and we'll help you finish the process.
Make your debit card uniquely yours with our Custom Card program. Upload your favorite photo, choose from our gallery, or select a classic design.
You'll need a valid government-issued ID (driver's license, state ID, or passport), your Social Security number, and your current address. If you're opening a joint account, both applicants need to provide identification. For student accounts, we also accept a valid student ID.
Each account has different fee waiver options. Essential and Campus Edge accounts have no monthly fee. For Interest Advantage, maintain a $1,500 daily balance or set up an automatic loan payment. Premium Rewards fee is waived with a $10,000 balance or $50,000 in combined accounts.
Yes, all deposit accounts are FDIC-insured up to $250,000 per depositor, per ownership category. This means your money is protected by the full faith and credit of the United States government.
Absolutely. Our online banking platform allows you to link accounts from other financial institutions. You can easily transfer funds between your Ashmore Trust accounts and external accounts, view all balances in one place, and set up automatic transfers.
We offer several overdraft protection options. You can link a savings account for automatic transfers, apply for overdraft protection credit, or we may approve transactions at our discretion with an overdraft fee. We also send alerts to help you avoid overdrafts.
1 $300 bonus offer: Available to new checking customers who open an eligible checking account and set up direct deposit within 60 days. Bonus deposited within 30 days of meeting requirements. Offer not valid for existing checking customers or previous account holders within the last 12 months. Limit one bonus per household. Bonus is considered interest and will be reported on IRS Form 1099-INT.
2 Complimentary first box of standard or specialty checks included with new account opening. Value up to $25.
APY = Annual Percentage Yield. Rates effective as of February 2026 and subject to change without notice. Fees may reduce earnings. See account disclosures for complete terms and conditions.