Personal Checking
Choose from four tailored checking account options and manage your money with ease – at your neighborhood branch, from home, or on the go.
Personal Checking
Choose from four tailored checking account options and manage your money with ease – at your neighborhood branch, from home, or on the go.
Explore Your Options
Free
Checking
No monthly maintenance fee. No minimum balance. No per-check charge. No worries.It’s perfect for students, recent graduates, and families on a budget.
FAQs
Regular
Checking
A back-to-basics account with a low minimum balance and plenty of built-in benefits.It’s perfect for those who value simplicity plus modern convenience.
FAQs
Direct Checking
An account that’s Bank On certified for affordability, accessibility, and safety.It’s perfect for those who need a second chance at banking – or just an easier way to manage money.
FAQs
Free | Regular | Interest | Relationship | Direct Checking | |
|---|---|---|---|---|---|
| Earns interest |  | | |||
| Minimum balance to avoid fees | $0 | $500 | $1,000 | $2,000 in Checking, $5,000 in Savings, or $10,000 in total deposits (including CDs and IRAs) | $5 monthly charge applies regardless of balance |
| Monthly maintenance charge if balance falls below minimum1 | $0 | $6 if check images are returned | $9 if check images are not returned or $11 if check images are returned | $9 if check images are not returned or $11 if check images are returned | $5 monthly charge applies regardless of balance |
| Per-check charge | $0 | $0.20 per check image if balance falls below minimum | $0.20 per check image if balance falls below minimum | $0 | $0 |
| Minimum opening balance | $50 | $50 | $50 | $50 | $50 |
| Other benefits | eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options | eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options | eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options | Free money orders and cashier checks, free Minster Bank checks if age 50 or over, eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options | eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit |
Checking
| Earns interest | |
|---|---|
| Minimum balance to avoid fees | $0 |
| Monthly maintenance charge if balance falls below minimum1 | $0 |
| Per-check charge | $0 |
| Minimum opening balance | $50 |
| Other benefits | eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options |
Checking
| Earns interest | |
|---|---|
| Minimum balance to avoid fees | $500 |
| Monthly maintenance charge if balance falls below minimum1 | $6 if check images are returned |
| Per-check charge | $0.20 per check image if balance falls below minimum |
| Minimum opening balance | $50 |
| Other benefits | eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options |
Checking
| Earns interest | |
|---|---|
| Minimum balance to avoid fees | $1,000 |
| Monthly maintenance charge if balance falls below minimum1 | $9 if check images are not returned or $11 if check images are returned |
| Per-check charge | $0.20 per check image if balance falls below minimum |
| Minimum opening balance | $50 |
| Other benefits | eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options |
Checking
| Earns interest | |
|---|---|
| Minimum balance to avoid fees | $2,000 in Checking, $5,000 in Savings, or $10,000 in total deposits (including CDs and IRAs) |
| Monthly maintenance charge if balance falls below minimum1 | $9 if check images are not returned or $11 if check images are returned |
| Per-check charge | $0 |
| Minimum opening balance | $50 |
| Other benefits | Free money orders and cashier checks, free Minster Bank checks if age 50 or over, eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options |
| Earns interest | |
|---|---|
| Minimum balance to avoid fees | $5 monthly charge applies regardless of balance |
| Monthly maintenance charge if balance falls below minimum1 | $5 monthly charge applies regardless of balance |
| Per-check charge | $0 |
| Minimum opening balance | $50 |
| Other benefits | eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit |
“Amazing, locally-owned bank that is always friendly and knowledgeable. They have a wide variety of accounts and truly work hard to ensure your finances are taken care of. Love how they give back to the community, too!” – Tanya B via Google Reviews
Digital Tools
24/7 access to your accounts couldn’t be easier. With free online and mobile banking, you can:
- View balances and transfer funds
- Pay bills and set up recurring payments
- Deposit checks with your phone’s camera
- Securely send and receive money with Zelle®
- Manage card controls, custom alerts, and more
- Stay on top of your credit for free with Credit Sense
Debit Cards
It looks like a credit card – but it works like a check.
Your free Visa® debit card lets you:
- Shop in-store and online, anywhere Visa® is accepted
- Use the mobile wallet of your choice
- Access 35,000+ surcharge-free ATMs nationwide
- Set custom controls and alerts
- Track your spending with detailed insights
Find an ATM or Contact Us to get started.
Automated Payments
Take care of loan payments and household bills with
automated payments from your checking account:
- Avoid late fees and missed payments
- Build a strong credit profile
- Reduce check writing and trips to the bank
- Streamline your recordkeeping
Overdraft Protection
We’re human. Mistakes happen. You shouldn’t have to worry about returned checks and hefty fees.
With Overdraft Protection,2 funds are automatically transferred from your savings account when needed.
With ODP (Overdraft Privilege),3 overdraws are covered up to a preapproved limit – no savings account required.
Contact Us to Learn More
Bank On Certification
Minster Bank’s Direct Checking is one of only a handful of accounts in Ohio to be Bank On certified by the Cities for Financial Empowerment Fund.
Bank On’s goal is to ensure that everyone has access to a safe and affordable bank or credit union account, and we’re proud to help advance that mission.
Digital Tools
24/7 access to your accounts couldn’t be easier. With free online and mobile banking, you can:
- View balances and transfer funds
- Pay bills and set up recurring payments
- Deposit checks with your phone’s camera
- Securely send and receive money with Zelle®
- Manage card controls, custom alerts, and more
- Stay on top of your credit for free with Credit Sense
Debit Cards
It looks like a credit card – but it works like a check.
Your free Visa® debit card lets you:
- Shop in-store and online, anywhere Visa® is accepted
- Use the mobile wallet of your choice
- Access 35,000+ surcharge-free ATMs nationwide
- Set custom controls and alerts
- Track your spending with detailed insights
Find an ATM or Contact Us to get started.
Automated Payments
Take care of loan payments and household bills with
automated payments from your checking account:
- Avoid late fees and missed payments
- Build a strong credit profile
- Reduce check writing and trips to the bank
- Streamline your recordkeeping
Overdraft Protection
We’re human. Mistakes happen. You shouldn’t have to worry about returned checks and hefty fees.
With Overdraft Protection,2 funds are automatically transferred from your savings account when needed.
With ODP (Overdraft Privilege),3 overdraws are covered up to a preapproved limit – no savings account required.
Bank On Certification
Minster Bank’s Direct Checking is one of only a handful of accounts in Ohio to be Bank On certified by the Cities for Financial Empowerment Fund.
Bank On’s goal is to ensure that everyone has access to a safe and affordable bank or credit union account, and we’re proud to help advance that mission.
More Solutions
SAVINGS
Achieve Your Goals Sooner
Five account options – plus one powerful app to manage it all.
Certificates of Deposit
Build a Better Tomorrow
Protect your hard-earned savings and enjoy guaranteed earnings.
CREDIT CARDS
Start Spending Smarter
Get convenient and flexible spending power, packed with perks.
You will need a government-issued photo ID, your Social Security number, contact information, and a minimum opening deposit of $50. Additional information may be required depending on the account and how it is opened. If you are under the age of 18, a parent or guardian must complete the application with you.
Yes. Minster Bank Free Checking has no monthly maintenance fee, no minimum balance requirement, and no per-check charge. A minimum deposit of $50 is required to open the account.
Free Checking can be opened online. For Regular, Interest, Relationship, or Direct Checking, visit or contact a Minster Bank branch for assistance.
The minimum opening deposit for Minster Bank personal checking accounts is $50.
Yes. Mobile check deposit allows eligible customers to deposit checks using the camera on a compatible mobile device. Your wireless carrier’s data rates may apply.
We offer a Switch Kit to help move direct deposits, automatic payments, and other recurring transactions from your previous financial institution. A local team member can also help you through the process.
Yes. Minster Bank is a Member FDIC, so eligible deposits are insured up to applicable legal limits.
Minster Bank provides personal checking accounts and local banking support throughout West Central Ohio. Customers can visit our offices in:
Disclosures
1. Additional charges may apply.
2. A small fee will be charged for each transfer from savings. Transfers are made in $100.00 increments.
3. This is a discretionary overdraft service. The Bank is not obligated to pay any overdrafts. Eligible accounts are automatically enrolled. Limit is based on type of account. Per-item overdraft fee will apply.
