Personal Checking

Choose account features that make sense for your personal finance goals.

All our personal checking accounts include:

  • Free Online Banking
  • Mobile Banking with Mobile Deposit
  • Bill Pay
  • Free eStatements1
  • Combined Statements Available for All Your Drake Bank Accounts

  • Free ATM/Debit Card with Fraud Alerts
  • Access to Surcharge-Free ATMs, With Our Free ATM Locator App2
Personal Checking Accounts - Free Online Banking
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Personal Checking Account Options

Free Checking

Our most popular checking account

Interest3

None


Monthly Fee4

None


Minimum Daily Balance

None


Extras

Free first order of checks

Interest Checking

Best for larger balances, with paid interest

Interest3

Paid on four tiers:

  • $0 – $9,999.99
  • $1,000 – $4,999.99
  • $5,000 – $9,999.99
  • $10,000+

Monthly Fee4

$10 if minimum daily balance is not met


Minimum Daily Balance

Any of the following: $1,000 in checking, $5,000 in savings, or $10,000 in loans or CDs


Extras

Free first order of checks

Golden Checking

An interest-bearing account for individuals over 55

Interest3

Paid on four tiers:

  • $0 – $9,999.99
  • $1,000 – $4,999.99
  • $5,000 – $9,999.99
  • $10,000+

Monthly Fee4

None


Minimum Daily Balance

None


Extras

Free basic checks and discounts on a small or medium safe deposit box

Fraud Protection for Your Debit Card

Security Icon

If we suspect you may be a victim of debit card fraud, we will:

  • Send an Email, Followed by a Text Message

  • You Can Reply ‘Fraud’ or ‘No Fraud’

  • No Response? You Will Get an Automated Call with the Option to Speak to a Fraud Analyst

All checking accounts require a $100 opening balance.
1 Paper statements available at $5 per statement for Interest Checking and Golden Checking accounts. No paper statement fee for Free Checking accounts.
2 Some ATM networks may impose an additional surcharge unrelated to our accounts. This charge will be assessed to your account.
3 Interest will be compounded and paid monthly based on the daily collected balance. Refer to our deposit account rates for current rate information. At our discretion, interest may change daily. Interest begins to accrue no later than the business day we receive credit for the deposit of checks.
4 Other charges may apply to these accounts, see separate miscellaneous fee schedule.

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