Equity BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

Equity Essential Checking

$7monthly fee

A year for an everyday customer: $0 fees and interest, $2,000 kept
To open: $100 to open
On our list: #385 of 986 checking accounts, by a year’s value for an everyday customer

Fees

Monthly fee: $7 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
$100 minimum daily balance
at least one direct deposit of $100 per month
Source · checked Oct 10, 2026
Minimum to open: $100Source · checked Oct 10, 2026
Overdraft fee: $34.98Source · checked Oct 10, 2026
Returned item (NSF) fee: $34.98Source · checked Oct 10, 2026
Overdraft transfer fee: $10Source · checked Oct 10, 2026
Most overdraft fees in a day: 5Source · checked Oct 10, 2026
ATM network: Pulse, PLUS, and CirrusSource · checked Oct 10, 2026
Incoming domestic wire: $10Source · checked Oct 10, 2026
Outgoing domestic wire: $20Source · checked Oct 10, 2026
Incoming international wire: $50Source · checked Oct 10, 2026
Outgoing international wire: $50Source · checked Oct 10, 2026
Paper statements: $5 a monthSource · checked Oct 10, 2026
Inactivity fee: $5Source · checked Oct 10, 2026
Early closure fee: $25Source · checked Oct 10, 2026
Cashier’s check: $5Source · checked Oct 10, 2026
Stop payment: $34.98Source · checked Oct 10, 2026
Card replacement: $5Source · checked Oct 10, 2026

Bill pay

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees