*Minimum opening balance is $100
**No minimum balance required to open
*** To earn the E-Rewards Rate, you must be enrolled in Online Banking and Online Statements and have at least one direct deposit and 10 debit card purchases (POS) and/or automatic withdrawals each statement cycle.
**** A monthly direct deposit or automatic payment of an Equitable loan ($10,000 or more) or a CD ($10,000 or more) is required.
Smart Start Checking
Give them independence, with a little guidance along the way.
Smart Start Checking is designed for teens age 14 and older who are ready to begin managing money of their own. They can learn everyday banking skills like tracking purchases, checking balances and using a debit card responsibly — while an adult joint owner can set a dollar limit on the debit card to help establish comfortable spending boundaries.
For customers under 18, joint ownership with a parent or guardian is required.
A great first account for:
- First jobs and direct deposit
- Learning to manage everyday spending
- Using a debit card with an adult-set dollar limit
- Building good banking habits before adulthood
Visit a Branch to Get Started
Enjoy Free ATM Access
Need cash but don't want to pay those annoying service fees? You're in luck! With The Equitable Bank, you can withdraw cash with zero service charges from thousands of ATMs nationwide. We're proud to be partnered with MoneyPass® and ATM Access Network, a subsidiary of Wisconsin Bankers Association, to offer this exclusive benefit to our valued customers.
Find an ATM
MoneyPass® ATM Access Network