Free Checking with no fees, no minimums, and no nonsense—just simple, straightforward banking with free perks. 

eSpend Checking benefits include:

Rewards & Earnings

  • Cash Back on Purchases: Earn 0.25% cash back every time you use your debit card to make a purchase. Your cash back rewards are automatically deposited into your ownership rewards account each month 
  • High-Yield Dividends: Earn 5.00% on qualifying deposits in your Ownership Rewards Cash Back account
  • Standard Dividends: Earn up to 0.15% on eligible balances
  • Get Paid Early: Access your direct deposit up to 2 days early

Account Features & Flexibility
  • No Monthly Fee
  • No Minimum Balance Requirement
  • Free Account-to-Account Transfers: Move money within online banking or to/from external accounts
  • Avoid Overdraft Fees: Use overdraft protection from savings or bring your account positive by end of day2
  • Free Checks: Receive 2 boxes of branded checks per year
  • Free Cashier’s Checks & Money Orders

Digital Convenience

  • Debit Cards: Get an instant-issue debit card and enjoy Tap & Go contactless payments. Link it to Google Pay, Apple Pay, or Samsung Pay and begin earning rewards right away
  • Free Mobile Deposits & Bill Pay
  • Free eStatements & Notices: Access your documents instantly—no mail delays
  • Free Automated Telephone Banking
  • 24/7 Mobile & Online Banking
  • ATM & ITM Access: Deposit or withdraw anytime at our convenient ITM locations, plus access over 70,000 surcharge free ATMs nationwide
  • Member Support: Contact us 24/7 by phone or connect during business hours via chat, text, email, message, or video

Financial Wellness & Protection

  • Free Credit Report & Score: Monitor your credit and receive profile change alerts1
  • Free Financial Counseling & Tools: Access assessments, calculators, articles, and coaching
  • Free Debit Card with Fraud Monitoring: 24/7 protection and text alerts
  • Free Account Alerts: Get email, text, or push notifications for account and card activity
 





Enjoy the benefits of Free Checking today.  

 
 

1Credit Monitoring is available to registered users of Enrichment's online and mobile banking. Log into your account and accept the "My Credit" disclosure to enroll. Credit score is a VantageScore 3.0 based on single bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
2 See our Fee Schedule for Courtesy Pay fee amount. The end of each business day is approximately 10:00 p.m. eastern standard time.