Service Update: Due to possible longer hold times, we recommend submitting a Contact Us form, for non-urgent issues. For questions related to our recent digital banking upgrade, please visit Poncebank.com/digitalbankingupgrade.
We appreciate your patience.

Open a Checking Account and Own Your Finances

Get our free mobile banking app, avoid monthly fees, and access over 39,000 surcharge-free ATMs.
  • No Monthly Fees
  • 39,000+ Free ATMs
  • Bank With Purpose
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Find the Right Checking Account for You
Best For Everyday banking with no strings attached. Earning interest with direct deposit. Customers 50+ who want to earn interest. Maintaining higher balances to earn more.
Interest Rate (APY) See the full list of interest rates. N/A 0.05% 0.05%

Up to 0.15%

For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates³
Minimum Balance $0 $0 $0 $1,500*
Monthly Service Charge $0 $0 $0

$0*

$7 monthly charge if balance falls below $1,500 any day in the statement cycle
Checks Available for purchase Available for purchase Free standard checks Free standard checks
Get started Get started Get started Get started

Manage Your Money Securely, at No Extra Cost

Every Ponce Bank online checking account includes these free tools to give you control and peace of mind.
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Debit Card with CardValet®

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Online Banking with Real-Time Alerts

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Debit Card with CardValet®

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Bill Pay

Bank With Purpose at Ponce Bank

Your deposits do more than sit in an account. Around $0.80 of every dollar you deposit with Ponce Bank is reinvested to create community financing.

Invest in your community not climate crisis

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Support a minority-led, minority-founded bank

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Turn your depositsinto local impact

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Open Your Ponce Bank
Checking Account Today

Get started in minutes to enjoy fee-free banking that supports your goals and your community.
Get Started

Frequently Asked Questions

A dedicated business checking account separates your personal and business finances, which simplifies tax preparation and adds credibility to your company. It provides a clear record of your income and expenses, helping you manage cash flow and make professional payments with a business debit card.
Our Simply Free Business Checking account is designed for community entrepreneurs. You get the essential tools to manage your money with no monthly service charges or minimum balance fees. Banking with us means your deposits also help fund small business loans and opportunities in local neighborhoods.
To open a business checking account, you will generally need your personal identification and your business's formation documents, such as your EIN (Employer Identification Number) and registration details. The online application guides you through the specific requirements to get you started in minutes.
Every Ponce Bank business checking account includes free digital tools to streamline your finances. You can use free online bill pay to schedule payments, manage payroll services, and use your business debit card for daily expenses, giving you more control over your company's cash flow.
Yes. As a community development bank, we specialize in providing access to credit for small businesses. Having a business checking account with us establishes a relationship, which can simplify the process when you apply for small business loans to fund your company's growth.