Compare Our Accounts

Checking That Fits Your Life

At Isabella Bank, our checking accounts are designed with you in mind. No matter your needs.

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Checking That Fits Your Life — Right Here in Mid‑Michigan

Designed with you in mind. Flexible options for every stage, every need.

Explore key features
  • Earn points on everyday items with Isabella Bank Rewards when you shop with your debit card.
  • Unlimited monthly transactions.
  • No withdrawal fees at Allpoint ATM Network locations.
  • Direct deposit is easier than ever with our automated system, ClickSWITCH.
  • Got a new card? No problem! Update all your preferred payment methods easily with CardSwap.

Your Checking Account. Your Everyday Banking.

Smart features, local service, and options built around your needs.
Young adult and dog playing video games
Simplified Checking

Local Checking

  • Only $1 minimum opening deposit
  • No monthly fee
  • Free Mobile Deposit3
  • Free Online & Mobile Banking Access3,4
  • Free Debit Card2
  • No minimum balance requirements
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Family in a car-- mom and son leaning out the window smiling, son with arms spread
Bank Your Way

Anywhere Checking

  • Only $1 minimum opening deposit
  • Avoid the $5 monthly fee with at least one direct deposit per month1
  • Free Mobile Deposit3
  • Free Online and Mobile Banking Access3
  • Free Debit Card2
  • No minimum balance requirements
Open Now
Senior couple enjoying popcorn
For Customers 55+

Senior Checking

  • Earn interest on balances of $1,000 or more
  • No monthly service fee
  • Only $1 minimum opening deposit
  • Free wallet checks
  • Free Mobile Deposit3
  • Free Online and Mobile Banking Access3,4
  • Free Debit Card2

 

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Woman smiling paying with her phone tap-to-pay
Higher Balances

Elite Checking

  • Earn interest on balances of $1,000 or more
  • Only $1 minimum opening deposit
  • Free Mobile Deposit3
  • Free Online and Mobile Banking Access3,4
  • Free Debit Card2
  • Avoid the $8 monthly service  fee by maintaining a $2,000 minimum average balance
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young male student studying in his dorm room at university
Start Smart

Student Checking

  • $1 minimum deposit to open
  • No monthly service fee
  • No minimum balance requirements
  • Free Online and Mobile Banking Access3
  • Free debit card2
  • Free Mobile Deposit3
  • Unlimited Person-to-Person Payments
  • Unlimited BillPay
Open Now
Young adult and dog playing video games
Simplified Checking

Local Checking

  • Only $1 minimum opening deposit
  • No monthly fee
  • Free Mobile Deposit3
  • Free Online & Mobile Banking Access3,4
  • Free Debit Card2
  • No minimum balance requirements
Open Now
Family in a car-- mom and son leaning out the window smiling, son with arms spread
Bank Your Way

Anywhere Checking

  • Only $1 minimum opening deposit
  • Avoid the $5 monthly fee with at least one direct deposit per month1
  • Free Mobile Deposit3
  • Free Online and Mobile Banking Access3
  • Free Debit Card2
  • No minimum balance requirements
Open Now
Senior couple enjoying popcorn
For Customers 55+

Senior Checking

  • Earn interest on balances of $1,000 or more
  • No monthly service fee
  • Only $1 minimum opening deposit
  • Free wallet checks
  • Free Mobile Deposit3
  • Free Online and Mobile Banking Access3,4
  • Free Debit Card2

 

Open Now
Woman smiling paying with her phone tap-to-pay
Higher Balances

Elite Checking

  • Earn interest on balances of $1,000 or more
  • Only $1 minimum opening deposit
  • Free Mobile Deposit3
  • Free Online and Mobile Banking Access3,4
  • Free Debit Card2
  • Avoid the $8 monthly service  fee by maintaining a $2,000 minimum average balance
Open Now
young male student studying in his dorm room at university
Start Smart

Student Checking

  • $1 minimum deposit to open
  • No monthly service fee
  • No minimum balance requirements
  • Free Online and Mobile Banking Access3
  • Free debit card2
  • Free Mobile Deposit3
  • Unlimited Person-to-Person Payments
  • Unlimited BillPay
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1The $5 monthly fee will be waived with a direct deposit into the account during the statement cycle.  

2Isabella Bank does not charge for issuing debit card, however you may incur transaction fees when you use the card at a merchant or at an ATM. Additional fees apply if enrolling in the Gold or Platinum Rewards Card program. 

3Third party data and text messaging charges and/or internet services may apply. Please contact your provider for details.

4Additional fees apply for Bill Pay (Local Checking), Person-to-Person Payments (Local Checking), and Bank-to-Bank Transfers (Local Checking, Senior Checking, Elite Checking). Please contact us for details. 

Explore All Checking Account Options

local checking

Local Checking

 anywhere checking

Anywhere Checking

 elite checking

Elite Checking

 senior tailored checking

Senior (Tailored) Checking

 student checking

Student Checking
local checking

Local Checking
anywhere checking

Anywhere Checking
elite checking

Elite Checking
senior tailored checking

Senior (Tailored) Checking
student checking

Student Checking
mother with her two sons playing soccer outdoors

Make Banking Easier

ClickSWITCH and Card Swap

ClickSWITCH

Seamlessly switch your paychecks, direct deposits, and automated payments to a new or existing Isabella Bank account. 

CardSwap

Easily update your payment details across subscription services like Netflix, Amazon, and Spotify when you receive a new debit card or want to ensure uninterrupted service.

Learn About ClickSWITCH Learn About Card Swap