Personal Checking
No matter your place in life, Bankers Trust has a checking account to fit your needs. Serving customers across Iowa, Nebraska and Arizona, we offer a range of options, whether you’re looking for an everyday spending account or an interest-bearing option. Our friendly banking staff makes opening a checking account simple, and you can open most accounts online in just minutes. Compare our personal checking account options below to find the account that works best for your lifestyle and budget.
Features Common to All Accounts
Checking Accounts
Filter account type:
| Account Type | BreakFree Checking | Direct Checking | Free Checking | Interest Checking | High-Yield Debit Account |
|---|---|---|---|---|---|
| Account Type: Description | BreakFree Checking: A BreakFree Checking account is ideal for those who regularly use their debit card and are looking for a flexible, interest-earning account. | Direct Checking: Direct Checking provides all the convenience of a checking account-with no minimum balance requirement. | Free Checking: Keep your everyday banking tasks simple and convenient with a Free Checking account. | Interest Checking: If you maintain a minimum daily checking account balance*** of $1,500 or more, our Interest Checking account is for you. We’ll put every penny to work with features including: | High-Yield Debit Account: Experience the convenience of a checking account and the earnings of a savings account all in one with our High-Yield Debit account. |
| Account Type: Minimum Opening Deposit | BreakFree Checking: $0 | Direct Checking: $0 | Free Checking: $25 | Interest Checking: $1,500 | High-Yield Debit Account: $25 |
| Account Type: Monthly Maintenance Fee | BreakFree Checking: $15.00 OR $0 with 12 or more debit card transactions* | Direct Checking: $10.99 OR $0 with direct deposits or mobile deposits totaling $500 or more per statement cycle** | Free Checking: $0 | Interest Checking: $15.00 OR $0 with $1,500 minimum daily balance*** | High-Yield Debit Account: $25.00 OR $0 with $2,500 minimum daily balance |
| Account Type: Interest Bearing | BreakFree Checking: Interest Paid Monthly | Direct Checking: No | Free Checking: No | Interest Checking: Interest Paid Monthly | High-Yield Debit Account: Interest Paid Monthly |
| Account Type: Perks | BreakFree Checking: Higher Annual Percentage Yield (APY) on balances less than $5,000. View APYs below. | Direct Checking: Unlimited check writing. Convenient checking account with digital tools available to save you time. | Free Checking: No minimum balance requirement or monthly service fees. | Interest Checking: Higher Annual Percentage Yield (APY) as checking account balance increases. View APYs below. | High-Yield Debit Account: A higher yield on your balances than a traditional checking account. View APYs below. |
| Account Type: How to Open | Online / In Branch | Online / In Branch | In Branch | Online / In Branch | Online / In Branch |
| Account Type | Secure LifeStyles Checking | BreakFree Checking | Direct Checking | Free Checking | Interest Checking | High-Yield Debit Account |
|---|---|---|---|---|---|---|
| Account Type: Description | Secure LifeStyles Checking: The Secure LifeStyles Club (SLC) Checking account was created with our SLC members in mind. SLC members earn exclusive benefits on their accounts and a variety of other perks, as well! Learn about SLC | BreakFree Checking: A BreakFree Checking account is ideal for those who regularly use their debit card and are looking for a flexible, interest-earning account. | Direct Checking: Direct Checking provides all the convenience of a checking account-with no minimum balance requirement. | Free Checking: Keep your everyday banking tasks simple and convenient with a Free Checking account. | Interest Checking: If you maintain a minimum daily checking account balance*** of $1,500 or more, our Interest Checking account is for you. We’ll put every penny to work with features including: | High-Yield Debit Account: Experience the convenience of a checking account and the earnings of a savings account all in one with our High-Yield Debit account. |
| Account Type: Minimum Opening Deposit | Secure LifeStyles Checking: $0 | BreakFree Checking: $0 | Direct Checking: $0 | Free Checking: $25 | Interest Checking: $1,500 | High-Yield Debit Account: $25 |
| Account Type: Monthly Maintenance Fee | Secure LifeStyles Checking: No | BreakFree Checking: $15.00 OR $0 with 12 or more debit card transactions* | Direct Checking: $10.99 OR $0 with direct deposits or mobile deposits totaling $500 or more per statement cycle** | Free Checking: $0 | Interest Checking: $15.00 OR $0 with $1,500 minimum daily balance*** | High-Yield Debit Account: $25.00 OR $0 with $2,500 minimum daily balance |
| Account Type: Interest Bearing | Secure LifeStyles Checking: Interest Paid Monthly | BreakFree Checking: Interest Paid Monthly | Direct Checking: No | Free Checking: No | Interest Checking: Interest Paid Monthly | High-Yield Debit Account: Interest Paid Monthly |
| Account Type: Perks | Secure LifeStyles Checking: Discounts on the other bank services. | BreakFree Checking: Higher Annual Percentage Yield (APY) on balances less than $5,000. View APYs below. | Direct Checking: Unlimited check writing. Convenient checking account with digital tools available to save you time. | Free Checking: No minimum balance requirement or monthly service fees. | Interest Checking: Higher Annual Percentage Yield (APY) as checking account balance increases. View APYs below. | High-Yield Debit Account: A higher yield on your balances than a traditional checking account. View APYs below. |
| Account Type: How to Open | In Branch | Online / In Branch | Online / In Branch | In Branch | Online / In Branch | Online / In Branch |
| Account Type | Classic Minor Checking |
|---|---|
| Account Type: Description | Classic Minor Checking: A Classic Minor Checking account makes it easy for individuals under the age of 18 to securely manage their money. An adult co-owner must be present to open an account. |
| Account Type: Minimum Opening Deposit | Classic Minor Checking: $0 |
| Account Type: Monthly Maintenance Fee | Classic Minor Checking: No |
| Account Type: Interest Bearing | Classic Minor Checking: No |
| Account Type: Perks | Classic Minor Checking: Free first order of 50 standard checks. Easy way to start managing your money with a debit card and online/mobile banking. |
| Account Type: How to Open | In Branch |
Learn more about our “Bank On Certified Account” Foundation Checking.
*Qualifying debit card transactions must post and settle during the statement cycle. ATM transactions do not count toward the required transactions.
**$10.99 no-activity fee (plus sales tax, if applicable) is applied when qualifying direct deposits or mobile deposits do not post and settle on your account.
***Minimum daily balance is determined based on balances during the statement cycle.
Checking Account Annual Percentage Yields (APYs)
Effective Date: October 8th, 2026
Please refer to the Terms and Conditions linked below for more details. Rates are subject to change without notice.
BreakFree Checking Account APYs
| Account Balance | APY |
| Less than $5,000.00 | 0.60% |
| $5,000.00 and over | 0.55% |
Interest Checking Account APYs
| Account Balance | APY |
| Less than $2,500.00 | 0.70% |
| $2,500.00 to $14,999.99 | 0.72% |
| $15,000.00 to $29,999.99 | 0.75% |
| $30,000 and over | 0.77% |
High-Yield Debit Account APYs
| Account Balance | APY |
| Balances of $.01 and greater | 3.66% |
Questions? Contact us to learn more.
Personal Banking Contact Form
Explore More Banking Options
Certificates of Deposit (CDs)
For those looking to grow their savings, consider a Bankers Trust CD.
Personal Checking FAQs
How much do I need to open a Bankers Trust checking account?
Our checking accounts have varying minimum opening deposit requirements. Several accounts have a $0 minimum opening deposit. Our Free Checking and High-Yield Debit Accounts have a $25 minimum opening deposit, and Interest Checking has a $1,500 minimum opening deposit.
Can I open a checking account online?
Yes, most of our checking accounts can be opened online including Breakfree Checking, Direct Checking, Free Checking, Interest Checking and High-Yield Debit Account.
Which Bankers Trust checking account has no monthly fee?
Our Free Checking account has no monthly maintenance fees. In addition, our Secure LifeStyles Club (SLC) Checking account also has no monthly fees. The SLC Checking account is for SLC Members who are 50+. Learn more about the Secure LifeStyles Club.
Learn More about Checking with Insights from the
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