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At Eastern Michigan Bank we offer personal checking accounts tailored to fit your needs! In addition to its own unique features, each account can be customized with one or more of our complimentary convenient services:

Whether you want a checking account that earns you interest or just a basic checking account, we can help! Stop in today to one of our nine branch locations in St. Clair, Sanilac and Huron Counties! Click here to find a location near you.

Scroll to the right to view the rest of the table.




Advantage 50

Minimum Opening Deposit





Min. Balance Requirements

(to avoid service charge)


$500 min daily or

$1,000 avg daily

$350 min daily or

$750 avg daily

Monthly Service Charge


$7 (waived w/eStatements)



Electronic Statement


Earns Interest

Interest Rate Tiers

4 tiers, see below

4 tiers, see below

ATM/Debit Card**

Check Printing

At cost

At cost

50% off 1st order

Free (pre-selected style)

Safe Deposit Box Discount

10% off w/AFT

10% off w/AFT

10% off w/AFT

$25 off 1st year's rental; 10% off after w/AFT

Online Banking & Bill Pay

Telephone Banking

Additional Benefits

5 free, other bank's ATM transactions

Preferred rates 

on select CDs

Tiered rates as follows:

  • $100,000 - $100,000+
  • $25,000 - $99,999
  • $2,500 - $24,999
  • $0 - $2,499

*Waived if you have direct deposit, are at least 62 or a full time student
**Debit card subject to approval

How to Order Checks

Eastern Michigan Bank is pleased to offer check printing services through Main Street, Inc., a family owned company serving more than 2,000 community-oriented financial institutions in all 50 states.

If you have not ordered checks from us since before August 1, 2018, you will need to call or visit one of our branch locations to place your initial check order through Main Street.

If you have already placed an order thru Main Street, you can reorder using the link below:

Reorder Main Street checks


Helpful Links

View Current Deposit Rates

Print Reconciliation Form


To open a personal checking account, just stop by the Eastern Michigan Bank location nearest you.

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