Personal Banking

Checking Products

Whether you write a few checks a month or need unlimited check-writing, Emigrant has a checking product that is right for you.

Relationship Checking

  • Maintain a low minimum relationship balance of $2,500 and there are no monthly maintenance fees.
  • All of your deposit accounts - Savings, Money Market Accounts, CDs, IRAs - are combined to meet this minimum.
  • No per check charges.

NOW Checking

  • Earn a competitive interest rate on your checking balances.
  • Low minimum account balance of $2,500 to avoid a monthly maintenance fee.

Basic Checking

  • Perfect for people who only write a few checks per month.
  • No minimum balance.
  • Low monthly fee.
  • Minimum opening deposit of $25.

All of our checking products come with optional overdraft protection (subject to approval). With an Emigrant Reserve Line of Credit you'll never have to worry again about writing a check larger than your balance.

  • Online Banking - With EmigrantOnline™ you can do your banking and pay your bills anywhere you have access to the internet, anytime of the day or night.

  • Our Cash Navigator™ debit card can be used to get cash at any ATM where you see the NYCE™, Honor™, Pulse™, or Plus™ logos. Additionally, it can be used in place of cash or a check when you shop anywhere MasterCard®/Debit Card is accepted.

  • PhoneAccess™ - Emigrant's bank-by-phone service lets you stay up to date on balances and even lets you transfer funds between qualified accounts.

For more information please call 1‑800‑836‑1998, Monday through Friday 8 AM-6PM or e-mail us at

If you currently have a mortgage with Emigrant, click here for information regarding Hurricane Sandy.