Every Evolve Bank & Trust checking account comes with:
- FREE Evolve Debit/ATM Card
- FREE ATMs Nationwide **
- FREE Online Banking
- FREE Online Bill Pay
- Low Opening Balance
- Unlimited Check Writing
- Online Check Writing
- Online Funds Transfer (certain fees may apply)
- eCall with 24/7 ability to check accounts
- Monthly Statements
- eStatements
- FDIC Insurance
- Overdraft Protection
- eSnap Mobile Deposit *
*Subject to approval.
**Free access to any ATM on the National MoneyPass Network. This includes free access to thousands of machines across the U.S. International fees do apply.
Personal Checking Accounts
At Evolve Bank & Trust, we understand a personal checking account is likely a central part of your everyday finances. Whether you’re paying bills, shopping online, or simply grabbing your morning coffee on the way to work, you’re most likely accessing your personal checking account. Our personal checking accounts come with a range of features, from online banking to overdraft protection, to make money management easier and more secure. Learn more about our eFreedom, eUniversity, and eLife checking accounts. Can’t decide which best suits your needs?
eFreedom
All the basic features in one easy account. If our standard checking account features are all you need, this is the account for you. Open an eFreedom Checking with an opening balance of only $100. If you maintain a daily balance of $250 or more and have at least one direct deposit, the low monthly service fee will be waived. Find a branch to open an account in person.
eLife
A checking account that makes you money. With all the perks of our eFreedom Account and the same low opening balance of only $100, our eLife Checking pays you competitive interest rates on your daily collected balance. Interest accrues daily and compounds monthly. Account fees will be waived as long as you maintain a daily balance of $750 or more, or if you have a total combined loan and/or deposit balances of $50,000 or more. Find a branch to open an account in person.
*Subject to Evolve account opening qualifications and approval.
eUniversity
A checking account that makes the grade, and it’s free! If you are a student and 24-years-old or younger, we offer you all the perks of our eUniversity account – Free*. Student Checking offers a low opening balance of only $100 and no monthly service charge. School ID or other proper documentation required. Find a branch to open an account in person.
*Overdraft charges may apply.
Mobile Banking at Your Fingertips
Manage Funds Seamlessly
Pay Bills Automatically
Secure Your Funds Effortlessly
Want to learn more about what Evolve Digital Banking has to offer? Learn More
Frequently Asked Questions
What Do I Need to Open a Checking Account?
Opening a personal checking account with Evolve Bank & Trust couldn’t be easier. Bring in a valid form of identification (such as a driver’s license or passport), proof of address (such as a utility bill or lease agreement), and your Social Security number. Our personal bankers can guide you through setting up a new account.
How Do I Open a Joint Checking Account?
Opening a joint checking account with us is as easy as opening an individual one. Both account holders need to provide valid identifications, proof of addresses and Social Security numbers, as if they’re setting up personal accounts. Our personal bankers can help you with the rest. Locate an Evolve Bank branch near you.
How Do I Set Up Direct Deposit?
To set up direct deposit, give your employer the Evolve Bank & Trust account and routing number. Once direct deposit is set up, your paycheck automatically deposits into your account, giving you easy access to funds without the hassle of depositing paper checks.
What Is Overdraft Protection?
Evolve Bank & Trust offers overdraft protection for account holders. This can help you avoid overdraft fees by covering transactions that exceed your account balance. If you accidentally overspend, our overdraft protection automatically transfers funds from a linked account to cover the difference. You can also use an available credit line to avoid fees during the check-out process.
