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

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

Digital Convenience
  • Digital Wallet Ready: Link your debit card to Google Pay,                  Apple Pay, or Samsung Pay and earn rewards
  • Instant-Issue Debit Cards: Start using your card immediately          with Tap & Go contactless payments
  • Free Mobile Deposits & Bill Pay
  • Free eStatements & Notices: Access your documents                        instantly—no mail delays
  • Free Automated Telephone Banking
  • 24/7 Mobile & Online Banking
  • Unlimited Access to ITMs: Deposit or withdraw anytime at              our convenient ITM locations
  • ATM Access: Nationwide access to over 70,000 surcharge free          ATMs

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
  • Free Account Alerts: Get email, text, or push notifications for          account and card activity
 

Member Support

  • 24/7 Member Support: Afterhours service center plus local              representatives available weekdays and Saturday mornings
  • Virtual Support Options: Chat, text, email, message, or video          with a local representative
 



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.