Take your confidence to the next level with the right checking account.
Our 360 checking account comes with everything you need and not everything you don't, pay your bills, get cash, make deposits and transfer money all without the extra monthly fees and extra tips. you can open a checking account online and manage your account securely by signing in on your phone or computer, instead of waiting for the bank to open first.
Want help choosing the right checking account?
we offer variety of checking account type to suit your current need, click on contact us to talk with our banking personnel.
Pick the account that fits what you’re looking for.
- Premium Checking Account: This account will normally earn you perks that others might have to pay for. A free safe deposit box, free personal checks, free official checks, free money orders and fees waived on some or all out-of-network ATM fees are some advantages to this type of account. You’ll usually need to maintain a higher minimum balance on a premium account.
- Checkless Checking Account: These accounts don’t offer checks. So you’ll need to rely on using a debit card to make transactions. This type of account might not have overdraft fees. If you can’t remember the last time you’ve written a check, this might be a desirable banking option for you.
- Business Checking Account: This type of checking account can help a business run. For instance, a business may have one checking account for payroll and another for operating expenses. It also could have other accounts for specific purposes. Business checking accounts may charge customers extra for transactions surpassing a certain number. If your business has a lot of cash deposits, consider these charges carefully when comparing business checking accounts.
What Is a Checking Account?: A checking account is a deposit account held at a financial institution that allows withdrawals and deposits. Also called demand accounts or transactional accounts, checking accounts are very liquid and can be accessed using checks, automated teller machines, and electronic debits, among other methods. A checking account differs from other bank accounts in that it often allows for numerous withdrawals and unlimited deposits, whereas savings accounts sometimes limit both.
Checking Accounts and Banks: Many banking institutions offer checking accounts for minimal fees. Traditionally, most large commercial banks use checking accounts as loss leaders. A loss leader is a marketing tool in which a company offers a product or several products below market value to attract consumers. The goal of most banks is to attract consumers with free or low-cost checking accounts and then entice them to use more profitable offerings such as personal loans, mortgages, and certificates of deposit.
However, as alternative lenders such as fintech companies offer consumers an increasing number of loans, banks may have to revisit this strategy. Banks may decide, for example, to increase fees on checking accounts if they cannot sell enough profitable products to cover their losses.
Tracking and Correcting Your Data:
Under the FCRA, you have the right to ask the bank or credit union which of the two verification systems they use. If a problem is found, you will receive a disclosure notice, likely informing you that you will not be able to open an account and why. At that time, you can request a free copy of the report that was the basis for your denial.