Open a Checking Account

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Checking Account Types

After selecting Checking Account from the New Account Open Options screen, the Checking Account Types screen lists every checking account tier available for the institution. Each option shows the account name and a brief description.

Available types:

Account Type	Description
Free Checking Account	Basic checking with no monthly maintenance fees and no interest or APY
Interest Bearing Account	Checking account that earns interest — APY 0.01%, Interest Rate 0.01%
Premium Checking Account	Enhanced checking with additional benefits but no interest or APY

Click Open on the account type you want to proceed.

Opening a Checking Account

The following steps use the Free Checking Account as an example. The flow is identical for Interest Bearing and Premium Checking.

Step 1 — Checking Account Open Options (blank form)

The Checking Account Open Options screen confirms the selected account at the top, then shows a Fund your new checking account section:

• Select funding account — choose which account to fund from
• Funding amount — enter the opening deposit amount
• Terms and Conditions — check the box to accept before submitting

Step 2 — Select account and enter amount

Pick a funding account. The account name, masked account number, and current balance are shown. Enter the opening deposit amount and check I accept the Terms and Conditions.

Click Submit when ready.

Step 3 — Transfer Authorization

A Transfer Authorization modal summarises the transaction. Review the details before confirming:

Field	What it shows
Account	The checking account type being opened
Funding Source	Masked account number of the source account
Funding Amount	The opening deposit amount
APY	Annual percentage yield (0.00% for non-interest types)
Interest Rate	Interest rate for the account

Click Submit to open the account, or Cancel to go back.

Step 4 — Success

A Success confirmation modal confirms the account has been funded. It shows the funding source, funding amount, APY, and interest rate.

Click Close to return to the dashboard. The new checking account will appear in the online banking account list.

Note The Free Checking and Premium Checking accounts carry 0% APY and 0% interest rate. If earning interest on your checking balance is important, select the Interest Bearing Account option instead.