Everything Checking
Features you'll love
Everything Checking is best for customers who want extra perks. Whether you're interested in free ATMs, a great savings rate, loan discounts or all of the above, Everything Checking has it covered.
Earn interest
Interest checking account: Earn interest on your checking balance.
Savings
Pair your Everything Checking Account with a Smart or Platinum Savings Account to earn a great rate on your savings.**
55,000 free ATMs
As part of the Allpoint® ATM Network, access 55,000 free ATMs at convenient locations like Target®, Walgreens® and CVS®.***
Overdraft Defense
Includes Overdraft Protection from a linked savings account and no NSF fees for all consumer accounts.
Early Pay
Get paid up to two days early.****
Fraud alerts
When we notice suspicious activity using your account debit or ATM card, we will send you a text message with purchase details so you can easily review and reply.
Mastercard ID Theft Protection™
Free Mastercard ID Theft Protection™ including 24/7 Identity Theft Resolution Service, identity monitoring and more.*****
ClickSWITCH
Plus, quickly and securely move your direct deposit and other automatic payments to your Dollar Bank account with ClickSWITCH.
Mobile payments
Mobile payments with Google Pay™, Apple Pay® and Samsung Pay.
Blue Crew
Meet with a member of our Blue Crew at your local Dollar Bank office to make the most of our digital tools.
P2P payments
Link your Dollar Bank account to P2P payment apps for easy peer-to-peer payments.
Money management at your fingertips with our Online Banking and mobile app
View up-to-date activity and balances Manage your expenses and pay bills using our free Online Bill Pay Get spend insights to learn what, when and where money is going to better understand your spending habits My Cards: Card controls and access your digitally issued card shortly after your account is opened and has available funds Send Money with Zelle® Set up automatic savings Deposit checks using Mobile Deposit Set up Account Alerts And more
Everything Checking + Smart Savings
Earn a great rate on your savings by pairing your Everything Checking Account with a Smart Savings Account.
Account details
- Minimum to Open
-
$50
- Monthly Service Fee
- $5
How to Reduce Fee
-
$0 with 6 payments or $2,500 average collected balance
Monthly posted payment transactions include checks, Online Banking bill payments, Telephone Banking bill payments, ACH debit and Point of Sale transactions (both signature and PIN-based).
Statement Options
- Free electronic or $3 mailed
Enjoy extra savings and convenience
Everything Checking customers can also enjoy these extra perks.
- Smart Savings Account: Earn a great interest rate with no minimum balance or monthly service charge with a Smart Savings Account.*
- Relationship CD: Earn a great rate on a Relationship CD, exclusively for Everything Checking customers.
- Loan Discount: 1/4% rate loan discount offer: When you apply for a Dollar Bank consumer fixed rate loan or line of credit, we'll take 1/4% off of your rate when you have an Everything Checking Account.+
- Mortgage Offer: $500 off costs at closing mortgage offer: We always have low mortgage rates and fees. Apply for a mortgage at Dollar Bank and we'll take $500 off of your costs at closing when you have an Everything Checking Account.++
- Rewards Credit Card: Get 1.25% cash back on purchases with a Rewards Credit Card. Get a great intro rate and earn cash every time and everywhere you use your card.+++
- Personalize your debit card
- 50% off of checks
FAQs
You can open an account online, visit your local office or schedule an appointment with a Dollar Bank representative. A minimum opening deposit of $50 is required.
In-Branch: To open an account at a Dollar Bank office, you’ll need to provide your name, address, date of birth, Social Security number or taxpayer identification number, and a valid non-expired government-issued ID. You’ll also need an opening deposit using either cash or a check.
Online: If you open online, you’ll also need to provide your name, address, date of birth, Social Security number or taxpayer identification number, and a valid non-expired government-issued ID. You’ll fund the account during the application process, which you can do by using a debit card, the routing and account number from another bank account, or by securely transferring funds via ACH using your online banking login information from another financial institution.
The monthly service fee is $5.
The monthly fee can be reduced to $0 by either: Making at least 6 payments per month or maintaining an average monthly collected balance of $2,500.
Yes. Everything Checking is an interest-bearing checking account that earns interest on your balance.
Allpoint
Dollar Bank is part of the Allpoint® ATM Network, which provides free access at more than 55,000 ATMs worldwide for Everything Checking customers.
Use Allpoint ATMs at many convenient locations that you visit daily like Target®, Walgreens® and CVS®. Because Allpoint is a worldwide network, you’ll find Allpoint ATMs near your workplace and at your favorite vacation spots too. No sign up is required. Simply use your current Dollar Bank Mastercard® Debit Card or ATM Card to get cash at any Allpoint ATM.
Just look for the Allpoint logo on the ATM machine or visit our locations page for a list of convenient Allpoint ATMs.
Freedom
Freedom ATM Alliance® is a free ATM network for Everything Checking customers, offering more than 600 ATMs! Visit our locations page to find your nearest ATM.
Using the My Cards section in the mobile app, you can add your debit card to Apple Pay®, Samsung PayTM and Google Pay. There will be steps to confirm your identity. Once you have completed the steps, your card will be available in your mobile wallet.
Early Pay may allow eligible customers with direct deposit to receive funds before their scheduled payday when payment information is received early by Dollar Bank. Early availability is not guaranteed.
An active Everything Checking Account is required to open and maintain a Smart Savings Account.
The Smart Savings Account requires Everything Checking and eight qualifying monthly posted payments to receive the relationship rate for balances up to $10,000.
| Products | Minimum To Open | Account Balance | APY* |
|---|---|---|---|
|
Everything Checking
|
$50.00 | $0.00+ | 0.10% |
Disclosures
**Rates may change after an account is opened. Fees may reduce earnings. Ask for Account Information Schedule for deposit account details. $50 minimum to open. A valid Everything Checking Account is required to open and maintain a Smart Savings Account and the rates for Smart Savings require Everything Checking with eight qualifying monthly posted payments. Limit one Smart Savings account per customer. Platinum Savings must include a minimum new money increase of $25,000 based on the savings owner(s) average daily balances during the past 30 days. The rates for Platinum Savings require a linked qualifying checking account with eight qualifying monthly posted payments. Limit one Platinum Savings Account per customer. For Dollar Bank’s market areas only.
***Surcharges from other banks not in the Allpoint or Freedom Alliance networks may apply when using your debit Mastercard® or ATM card.
****Early Pay is available for retail account customers in good standing who set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension or government benefits). The timing of when a transaction is credited is based upon when the payer submits the payment instructions to Dollar Bank. Early Pay is not a guarantee that you will receive your direct deposit earlier than your scheduled pay date and Early Pay may be delayed due to unanticipated circumstances.
*****This benefit is provided by Generali Global Assistance Inc. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
+The Loan Discount is not available for the refinance of an existing Dollar Bank Consumer loan, line, or mortgage unless the refinance includes $15,000 or more of new money available or advanced. The Loan Discount does not apply to Dollar Bank Residential Lending Department loan applications.
++The $500 credit towards closing costs applies to Dollar Bank Residential Lending Department loan applications for a 1-4 unit, first lien residential purchase or refinance mortgage loans and requires Everything Checking to remain in place for three years. Everything Checking is subject to terms and conditions that may change after account opening. Ask for the Account Information Schedule for details. Offer excludes no closing costs products and government sponsored loan programs including VA and Government Bond Loans. All applications are subject to approval under Dollar Bank's underwriting guidelines. Property securing the loan must be in Dollar Bank's market areas. Subject to change without notice.
+++Rebates are calculated as 1.25% of net monthly purchases (total purchases less credit and returns), which will be displayed on Periodic Billing Statements as "Cash Back Rebate."
Mastercard is a registered trademark, and Mastercard ID Theft Protection is a trademark of Mastercard International Incorporated.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Google Pay™ is a registered trademark of Google, LLC.
Apple Pay® is a registered trademark of Apple, Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
Message and data rates from your carrier may apply to Dollar Bank Mobile Banking including Google Pay, Apple Pay and Samsung Pay services.
Allpoint is a registered trademark of ATM National, LLC.
CVS is a registered trademark of CVS Pharmacy, Inc. Target is a registered trademark of Target Brands, Inc. Walgreens is a registered trademark of Walgreen Co.