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BankOn Checking

BankOn Checking, certified by the national Cities for Financial Empowerment Fund, is a low-cost banking option for everyone. Take control of your finances with a checking account that has a low deposit to open and no minimum balance required.


  • Low-cost
  • Non-interest bearing
  • Low initial opening deposit
  • Access your account 24 hours a day with your ATC Visa® Debit Card
  • WebWise® Mobile Banking app
  • Access to online and mobile banking, bill pay, and loan payments via WebWise®
  • Monthly account statement options
  • No NSF (non-sufficient fund) or Overdraft fees will be charged; transactions that overdraw the account will not be paid. However, there may be times when a negative balance in the account can occur, such as if a transaction is authorized for one amount but the actual charge is more than the money in the account. If a negative balance in the account does occur, we will not charge you an overdraft or NSF (non-sufficient fund) fee. Dynamic Deposit Account Sweep services are not available on this account.

Monthly account statement options

  • E-statement via WebWise® Online Banking are included
  • Paper statements are available for a $2 monthly statement fee

BankOn Checking does not offer paper checks