Local Checking Account

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Reliable Checking Services for Everyday Needs

We want to make managing your checking needs as easy as possible. With our Local Checking Account, you’ll have no monthly service fees, no monthly balance requirements, and unlimited monthly transactions. Not to mention lots of other perks!

Easy and Convenient Account Features:

  • $1 minimum deposit to open
  • Unlimited monthly transactions
  • Free Mastercard® debit card with Isabella Bank Rewards1
  • Gold & Platinum debit cards available to those 18+
  • Surcharge-free withdrawals at more than 55,000 locations with the Allpoint ATM Network 
  • Free digital banking, including:2
  • Free mobile pay services available
  • Free telephone banking available

Easy Local Checking

Straightforward checking with no balance requirements and unlimited transactions.

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Banking That Fits Your Life

More Ways to Bank With Us

Discover additional checking accounts and the benefits they offer.
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Anywhere Checking

Receive a paycheck? Add your direct deposit to avoid fees.
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Elite Checking

Earns interest on balances of $1,000 or more and tiered interest.
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Senior (Tailored) Checking

Exclusively for customers age 55+, earn interest on balances of $1,000 or more.
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Student Checking

Enjoy over 55,000 surcharge free ATMs, no monthly fee, and no minimum balance.
Globe and pin icon

Anywhere Checking

Receive a paycheck? Add your direct deposit to avoid fees.
Infinity icon

Elite Checking

Earns interest on balances of $1,000 or more and tiered interest.
Percent icon

Senior (Tailored) Checking

Exclusively for customers age 55+, earn interest on balances of $1,000 or more.
Desktop computer and smartphone icon

Student Checking

Enjoy over 55,000 surcharge free ATMs, no monthly fee, and no minimum balance.
Grocery store shelves stocked with fruit

Rewarding Your Everyday Spending

Turn Everyday Purchases Into Points

Our Isabella Bank Rewards program thanks you for being a loyal customer by giving you points every time you use your debit card. It’s easy — just log in or set up your account online, choose how you want to receive your points, and start shopping!

Learn More

Discover Additional Features

From digital tools to added protections, explore features that support your everyday banking.
man paying a restaurant bill with a digital wallet on a smartphone

Tap & Go

Digital Wallet

Add your card and pay securely from your phone.
Man managing his accounts with online banking on a laptop

Convenience

Online Banking

Check balances, move money, and stay in control.
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Peace of Mind

Overdraft Options

Coverage designed to keep your account on track.
Mother holding a baby and looking at her phone

ClickSWITCH

Switch Your Direct Deposit

Move your direct deposit in just a few steps.
man paying a restaurant bill with a digital wallet on a smartphone

Tap & Go

Digital Wallet

Add your card and pay securely from your phone.
Man managing his accounts with online banking on a laptop

Convenience

Online Banking

Check balances, move money, and stay in control.
Women holding a mug and smiling while looking into the distance

Peace of Mind

Overdraft Options

Coverage designed to keep your account on track.
Mother holding a baby and looking at her phone

ClickSWITCH

Switch Your Direct Deposit

Move your direct deposit in just a few steps.

1Isabella Bank does not charge for issuing a 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. 

2Third party data and text messaging charges and/or internet services may apply. Please contact your provider for details. Person-to-Person Payments (P2P), Bank-to-Bank Transfers (B2B), and Bill Pay available for an additional fee, please contact your account specialist for details.

3A monthly paper statement fee will be charged to all checking accounts not enrolled for electronic statements through our online banking services. For additional information on how to avoid this fee, please see a teller or a deposit account specialist.