Personal Checking Accounts
Checking Designed for Your Life
Enjoy no hidden fees, digital access, and the flexibility to bank your way. Whether you prefer online, in-branch, or on-the-go, Pluton’s checking accounts deliver convenience and security with every transaction.
- Free debit card & mobile check deposit
- 24/7 app & online access
- Overdraft protection options
Banking Benefits You’ll Love
No Monthly Fees
Keep more of your money—no maintenance fees on everyday checking.
ATM Freedom
Access to 60,000+ ATMs worldwide. Fee refunds on Premium Checking.
Rewards & Cash Back
Earn cash back on purchases and enjoy exclusive partner deals.
Account Alerts
Stay on top of your finances with real-time notifications and budgeting tools.
Find Your Perfect Checking Account
Everyday Checking
Simple, fee-free checking for daily spending and easy access.
- No minimum balance
- Free online bill pay
- Instant debit card issue
Rewards Checking
Earn rewards or cash back every time you use your card, plus ATM fee refunds.
- Up to 1% cash back
- ATM fee reimbursement
- Priority customer support
Digital Checking
Go paperless and manage everything from your phone, with high interest and smart automation.
- Mobile check deposit
- Budgeting & savings tools
- Real-time transfers
Which Checking Account Works for You?
| Feature | Everyday | Rewards | Digital |
|---|---|---|---|
| No Monthly Fee | |||
| Minimum Opening Deposit | $25 | $50 | $0 |
| Cash Back | - | Up to 1% | 0.5% |
| ATM Fee Reimbursement | – | Up to $15/month | – |
| Mobile Check Deposit | |||
| Interest Rate | 0.01% APY | 0.05% APY | 0.20% APY |
Ready to Experience Better Banking?
Open your Pluton Checking Account online in minutes, or talk to a specialist for help choosing the best option.