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Personal Checking

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 convenience services:

To open a personal checking account, just stop by the Eastern Michigan Bank location nearest you.
  • Low $50 minimum deposit to open
  • $250 average daily balance to avoid a $7 monthly service fee1 
1Also waived if you have direct deposit, are at least 62 or a full time student, ages 18-23
  • Low $50 minimum deposit to open
  • No monthly service fee with estatement enrollment ($7 w/o estatements)
  • Five foreign ATM fees waived per month (fees from the dispensing institution may still apply) 
  • Low $50 minimum deposit to open
  • $500 minimum daily or $1,000 average balance to avoid $7 monthly service fee
  • Earns tiered interest rate1
  • 50% off first check order
  • Ages 50 and better
  • Low $50 minimum deposit to open
  • $350 minimum daily or $750 average balance to avoid $7 monthly service fee
  • Earns tiered interest rate1
  • Free checks (pre-selected style)
  • $25 off first year's rental of a safe deposit box
  • Preferred rate on select CDs
 As you or the young adult in your life are growing up and starting to become more independent, our YA Checking can be a great way to manage your money and your access to it.

  • Low $20 minimum to open
  • Debit card, online/mobile banking and mobile deposit all included
  • Up to five non-Eastern Michigan Bank ATM fees waived each statement cycle (fees from the ATM’s owner may still apply)
  • No minimum balance requirement or monthly service fee²
¹Under 18 must also have parent, legal guardian or responsible adult 21 or older on the account 
²No minimum balance requirements and no monthly fee, but electronic statement enrollment is required to avoid a monthly paper statement fee of $2 
 
 
 
 
 
1Tiers for tiered rate accounts are:

  • $100,000 - $100,000+
  • $25,000 - $99,999
  • $2,500 - $24,999
  • $0 - $2,499
2Debit card subject to approval