Personal Checking

No matter your place in life, Bankers Trust has a checking account to fit your needs. Our friendly banking staff makes the process of opening an account so simple you can open most checking accounts online!

Features Common to All Accounts

Checking Accounts

Filter account type:

Account Type	BreakFree Checking	Direct Checking	Interest Checking
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.	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:
Account Type: Minimum Opening Deposit	BreakFree Checking: $0	Direct Checking: $0	Interest Checking: $1,500
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**	Interest Checking: $15.00 OR $0 with $1,500 minimum daily balance***
Account Type: Interest Bearing	BreakFree Checking: Interest Paid Monthly	Direct Checking: No	Interest Checking: 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.	Interest Checking: Higher Annual Percentage Yield (APY) as checking account balance increases. View APYs below.
Account Type: How to Open	Online / In Branch	Online / In Branch	Online / In Branch

Account Type	Secure LifeStyles Checking	BreakFree Checking	Direct Checking	Interest Checking
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.	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:
Account Type: Minimum Opening Deposit	Secure LifeStyles Checking: $0	BreakFree Checking: $0	Direct Checking: $0	Interest Checking: $1,500
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**	Interest Checking: $15.00 OR $0 with $1,500 minimum daily balance***
Account Type: Interest Bearing	Secure LifeStyles Checking: Interest Paid Monthly	BreakFree Checking: Interest Paid Monthly	Direct Checking: No	Interest Checking: 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.	Interest Checking: Higher Annual Percentage Yield (APY) as checking account balance increases. View APYs below.
Account Type: How to Open	In Branch	Online / 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

Breakfree Checking and Direct Checking Accounts are considered primary checking accounts.

Learn how you can earn $400 when you open a primary checking account.

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: June 22nd, 2025

The annual percentage yield (APY) may change without notice. Fees may reduce earnings.

BreakFree Checking Account APYs