Checking

Checking Accounts

Choose the account that best fits you.

Platinum Bank's personal checking accounts provide a convenient way to access and manage your money.


Super Smart Checking

An interest bearing checking account with the MOST value.1, 2, 3, 4, 5, 6

  • Account Benefits
  • Our Highest Checking Interest Rate on Daily Balances up to $30,000 - a Lower but Competitive Rate on additional Balances over $30,000. Ask Us about Our Current Rates
  • $50 Minimum Deposit to Open
  • No Minimum Balance to Maintain
  • Free Visa® Debit Card
  • Free Standard Checks
  • Free Cashier’s Checks (up to 4 per month)
  • Free Online Banking, Mobile Banking, and Bill Pay
  • ID Theft Protection
    • $2,500 Personal Identity Protection
    • Payment Card Protection
  • $5,000 Travel Accidental Death Insurance
  • Discounts on Dining and Entertainment
  • Travel Savings
  • Discounts for Prescriptions, Vision and Hearing Aids
  • ATM Fees Refunded Nationwide (up to $25 per Month)
  • $600 Discretionary Overdraft Allowance
  • Account Requirements
  • E-Statements
  • 25 Minimum Debit Card Transactions (posted) per Month
  • 2 Direct Deposit and/or ACH Transaction (posted) per Month
  • Free Membership if Qualifications are Met. If Qualifications are Not Met, Membership is only $4.99 per Month.

Smart Checking

Our free checking account that pays you interest.1, 2, 3, 4, 5, 6

  • Account Benefits
  • High Interest Checking Interest Rate on Daily Balances up to $30,000 - a Lower but Competitive Rate on additional Balances over $30,000. Ask Us about Our Current Rates
  • $50 Minimum Deposit to Open
  • No Minimum Balance to Maintain
  • Free Visa® Debit Card
  • Free Online Banking, Mobile Banking, and Bill Pay
  • ID Theft Protection
    • $1,000 Personal Identity Protection
    • Payment Card Protection
  • ATM Fees Refunded Nationwide (up to $25 per Month)
  • $600 Discretionary Overdraft Allowance
  • No Monthly Service Charge
  • Account Requirements
  • E-Statements
  • 15 Minimum Debit Card Transactions (posted) per Month
  • 1 Direct Deposit or ACH Transaction (posted) per Month

Interest Checking (NOW Account)

A valuable package of financial services plus interest.3, 5

  • Account Benefits
  • $1,000 Minimum Deposit to Open
  • Ask Us about Our Current Rates
  • Interest Paid on Daily Balances - Interest Accrues Daily, Paid Monthly
  • Free Visa® Debit Card
  • Free Online Banking, Mobile Banking, and Bill Pay
  • $600 Discretionary Overdraft Allowance
  • Account Requirements
  • $10 Per Month Service Charge if Daily Balance Drops Below $1,000

Interest Free Checking

With E-Statements, a free Visa® Debit Card, and free online and mobile banking, banking is convenient and green.3

  • Account Benefits
  • $50 Minimum Deposit to Open
  • Free Visa® Debit Card
  • Free Online Banking, Mobile Banking, and Bill Pay
  • $600 Discretionary Overdraft Allowance
  • Account Requirements
  • $10 Per Month Service Charge if Daily Balance Drops Below $1,000
  • E-Statements

Basic Checking

If you need a new beginning or are just starting out, our basic checking account is perfect for you.3

  • Account Benefits
  • $25 Minimum Deposit to Open
  • Free Online and Mobile Banking
  • Bill Pay Services Available for $4.95 per Month
  • Account Review for Upgrade after 1 Year
  • Account Requirements
  • E-Statements
  • PIN Activated Debit Card Transactions ONLY
  • No Checks with this Account
  • $10 Per Month Service Charge if Daily Balance Drops Below $500

1If all requirements are not met, a nominal interest rate will be earned. 2If all requirements pertaining to that specific account are met. 3 Subject to approval. 4Debit Card transactions are required to clear your account during the statement cycle. The transaction must actually be deducted from your current balance. Debit Card transactions do not clear your account immediately. Transactions clear as the merchant submits the actual transaction and may take up to one week to clear. 5Some restrictions do apply. Fees may reduce earnings on account. 6For information on account membership benefits, please go to www.memberheadquarters.com

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