Personal & Business Checking
Your Everyday Banking, Elevated
Experience seamless transactions, unlimited wire transfers, and global ATM rebates with a TONHANKS checking account.
$0
Monthly Fees
24/7
Digital Access
Secure Login
Access your checking account
Choose Your Checking Account
Accounts designed for every stage of life and business
Personal Checking
$0
Monthly maintenance with qualifying direct deposit
- No minimum balance requirement
- Instant digital debit card issuance
- Global ATM fee rebates (up to $20/mo)
- Free online bill pay and mobile check deposit
Most Popular
Business Checking
$0
Monthly fee with $5,000+ average balance
- Unlimited domestic and international wire transfers
- Custom payroll integration tools
- Dedicated business relationship officer
Private Client Checking
$0
By invitation or $250,000+ in combined balances
- Priority wire processing (guaranteed same-day)
- Dedicated private banker and concierge team
- Unlimited global ATM fee rebates
Compare Accounts Side-by-Side
Find the right fit for your financial needs
| Feature | Personal | Business | Private Client |
|---|---|---|---|
| Monthly maintenance fee | $0 with direct deposit | $0 with $5K balance | $0 always |
| Online & mobile banking | ✓ | ✓ | ✓ |
| Unlimited transactions | ✓ | ✓ | ✓ |
| Free wire transfers | 3 per month | Unlimited | Unlimited + priority |
| ATM fee rebates | Up to $20/mo | Up to $50/mo | Unlimited |
Built for Modern Banking
Every TONHANKS checking account comes standard with these features
Mobile Banking
Deposit checks, transfer funds, pay bills, and manage cards from anywhere with our secure app.
Fraud Protection
Real-time transaction monitoring, instant alerts, and our $0 Liability Guarantee.
Instant Transfers
Send money instantly to other TONHANKS accounts. Same-day ACH support.
Digital Debit Card
Get a virtual debit card instantly upon account opening.