Backed by personal service

Having your full banking relationship at Commencement Bank offers more than mere convenience. We have a variety of personal checking account options to match your banking needs.

Free Checking Accounts

You are value-minded and don’t need to worry about things like minimum balance requirements or interest.

Free Checking account features:

  • Free online banking and mobile app
  • Free bill pay
  • Visa Debit card
  • Access to MoneyPass, a nationwide network of over 25,000 surcharge-free ATMs
  • eStatements
  • Unlimited check-writing and deposits
  • First order of basic checks is on us!

The fine print:

  • $100 minimum opening balance
  • No minimum balance
  • No monthly maintenance fee

Commencement Checking

You carry a moderate balance and want to earn interest on your hard-earned money.

Commencement Checking account features:

  • Free online banking & mobile app
  • Free bill pay
  • Visa Debit card
  • Access to MoneyPass, a nationwide network of over 25,000 surcharge-free  ATMs
  • eStatements
  • Interest earned on daily balances of $1,000 or more
  • Free basic checks!

The fine print:

  • $100 minimum opening balance
  • No minimum balance
  • $7 monthly maintenance fee

Interest Checking

You maintain a higher account balance in order to earn a competitive interest rate.

Interest Checking account features:

  • Free online banking & mobile app
  • Free bill pay
  • Visa Debit card
  • Access to MoneyPass, a nationwide network of over 25,000 surcharge-free ATMs
  • eStatements
  • Tiered interest earned on daily balances of $1,000 or more

The fine print:

  • $1,000 minimum opening balance
  • $1,000 minimum balance
  • $10 monthly maintenance fee if balance falls below minimum