Open Your Personal Checking Account Online

A good personal checking account keeps your money secure and accessible. A great personal checking account does so much more.

At Presence Bank, we champion personal checking accounts in Pennsylvania, delivering the experienced bank you need and the online service you deserve. Our online checking account services let you discover the right account for you and open it on your own time. 

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Our Online Checking Account Options

We offer three types of personal checking accounts. Discover which one suits your needs below.

Free Checking

Rewards Checking

Life Checking

Free Checking

The first tier of our personal checking accounts in PA is Free Checking. As the name suggests, this free service is available to anyone ready to open a new account. This basic account offers everything you need without the frills — no minimum balance necessary. When you open this checking account online, you’ll instantly be registered for your free first order of checks. Plus, any ATM fees up to $15 per month get reimbursed to your account.

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Rewards Checking

Rewards Checking brings on the bells and whistles. This account is just as easy to open as a Free Checking account but comes with even more free rewards, like:

Over 55,000 free ATMs globally (AllPoint ATM)
Identity theft protection
One domestic wire transfer monthly
Choice of paper statements or eStatements
Tiered interest rate structure

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Life Checking

As you age, your financial priorities change in major ways. The Life Checking account is ready to help anyone over the age of 50 navigate those evolving needs. Get free identity theft protection, free checks annually, AllPoint ATM access and ATM fee reimbursement up to $15 a month.

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Presence Bank

Compare Personal Checking Services

  Free Checking Rewards Checking Life Checking
(age 50+)
Minimum Opening Deposit Requirement $100.00  $100.00  $100.00
Minimum Balance to Avoid Fees $0.00 $500.00 $0.00
Monthly Maintenance Fee (if balance not met) None $8.00 None
Interest Structure None

$0.00 – $499.99
$500.00 – $24,999.99
$25,000.00 – above

$0.00 – $499.99
$500.00 – $24,999.99
$25,000.00 – above
Fees for Non-Presence Bank ATMs1 Reimbursed up to $15.00 / Month Free ATMs Worldwide Reimbursed up to $15.00 / Month
Instant Issue Debit Card Yes Yes Yes
Free Standard Personalized Checks First Order First Order One Annual Order
Paper Statement Free Free Free
Additional Account Features None One Free Domestic Wire Transfer per Month None
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1 Fees charged by the ATM owner will be calculated at the end of every month and either reimbursed up to $15.00 (Free Checking, Life Checking, Money Market), or reimbursed completely (Rewards Checking)

Why Choose Presence? 

Whichever account type you open with Presence Bank, setting up your personal checking account takes just 60 seconds. From there, you’ll have constant access to:

  • Online banking anywhere: Check in on your account and manage your finances from your home computer or mobile phone. Anywhere you go, all you need is a Wi-Fi connection to stay up to date on your funds and deposit checks. Along with mobile banking, you’ll receive monthly eStatements detailing every transaction.
  • The SaveUP program: Save every time you spend when you enroll your account in the SaveUP program. When you make any purchase, your account will round it up to the nearest dollar and deposit the spare change into your included savings account. 
  • In-person convenience services: While you can take care of all your banking needs remotely online, our branches offer free, exclusive benefits to every member. Forgo waiting for your debit card in the mail by coming into a local branch and picking it up upon account registration. Bring in your loose change, and let our coin-counting machines give you cash. We even have a notary on-site for all your verification needs. 

Open a Checking Account Online Instantly

Let Presence Bank help you keep your money safe and build your foundation for a healthy financial future today. Sign up for your online checking account and see why we’re one of Pennsylvania’s top choices for accessible banking.

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