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Online Checking

Online Checking

A powerful, interest-bearing checking account1 that includes more benefits, perks and added protections with your debit card. Online Checking has no monthly maintenance fee, no required minimum opening deposit and no minimum balance to earn interest.

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Product details


Monthly maintenance fee
Minimum deposit to open


Key Features

  • Earns interest
  • No minimum opening deposit
  • Eligible for Donate the Change®, a program through which you can help support a worthy cause just by doing your everyday banking
  • Enhanced Debit Card with protections provided by MasterCard®:
    • Satisfaction Guarantee2
    • Price Guarantee3
    • Extended Warranty4
  • Two (2) domestic non-Allpoint®, non-Amalgamated Bank ATM surcharges waived per statement cycle5

Big on benefits and convenience

  • Surcharge-free access to more than 40,000 Allpoint® ATMs6 nationwide
  • 24/7 Access with Online and Mobile Banking7
  • Dedicated customer service
Amount APY* Interest rate
$0 $2,499.99 0.10% 0.10%
$2,500+ 0.60% 0.60%
* APY means Annual Percentage Yield
Rates effective as of 9/24/2018. This is a variable rate account. The rates may change after the account is opened. Fees may reduce earnings. Advertised rate and APY are offered at the bank’s discretion and may change daily.







1 This account can only be opened online. It cannot be opened at an Amalgamated Bank branch.
2 Up to $250 per claim and four claims in a one-year period. Additional terms, conditions and restrictions apply. Refer to the Guide to Benefits for details at
3 Maximum benefit for repair or replacement cannot exceed the purchase amount placed on your debit card or $10,000. Additional terms, conditions and restrictions apply. Refer to the Guide to Benefits for details at
4 Maximum of four claims per one-year period. Additional terms, conditions and restrictions apply. Refer to the Guide to Benefits for details at
5 The two (2) non-Amalgamated Bank/non-Allpoint domestic ATM surcharges will be debited from your account at the time of the transaction and credited to your account on the same business day that the transaction is posted to your account.
6 Fees may apply for non-Amalgamated, non-Allpoint® and international ATM transactions.
7 Your mobile carrier’s message and data rates may apply.
All accounts are subject to the bank’s Account Opening Disclosures.
For a complete list of fees, click here to view the Fee Schedule.
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How we’re different

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It seems every day there’s another big corporation in the news for flagrantly violating the public’s trust—whether it’s failing to protect consumers’ health, safety or privacy, putting bogus transactions or accounts on the books, or neglecting environmental hazards in favor of the heedless pursuit of profits and shareholder returns.

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The tensions surrounding recent actions taken by North Korea have reignited the conversation around nuclear weapons and warfare.

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This afternoon I sent the following message to the Amalgamated Bank community: The events of this past weekend in Charlottesville have at the same time saddened and angered us. They have forced many Americans to once again reflect on the issues that continue to divide us as a nation.