Personal Checking

The best things in life are free — making free Personal Checking from Bank of the Finger Lakes a welcomed commodity. Get everything you need in an account, including unlimited free checking privileges, free online banking, mobile banking, and eStatements — plus, 4 non-bank-owned ATM fee reimbursements per month.

At the same time, steer clear from what you want less of — fees. Personal Checking gives you just what you need, minus the monthly service fee.


Simplified checking solution

Compare Checking Accounts

Personal Checking

Everything you could ask for in a checking account- FREE, simple checking with unlimited privileges and FREE electronic services.
 
  • No minimum deposit to open
  • No monthly fees
  • FREE mobile and online banking, bill pay, e-Statements, and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Apple Pay capability for iPhone users 
Simply Smart
    e-Checking        
A checking account designed for those who prefer to do their  banking on-the-go.
 
  • No minimum deposit to open
  • No monthly fees
  • FREE mobile app- deposit checks, transfer funds, bill pay, send money and more, all on the go
  • 6 monthly refunds on ATM fees nationwide
  • Earn interest on your balance
  • Apple Pay capability for iPhone users
Personal Interest Checking   

Pursue more of your personal interests and earn competitive interest on every dollar in your account.  
 
  • $100 minimum deposit to open
  • FREE mobile and online banking, bill pay, e-Statements, and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Maintain $1,000 average monthly balance to avoid $10 monthly service charge
  • Apple Pay capability for iPhone users
Relationship Reward Interest Checking 
Capitalize on your balance with our highest checking interest rates.
 
  • $1,000 minimum deposit to open
  • FREE mobile and online banking, bill pay, e-Statements, and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Maintain a $25,000 combined average minimum balance across checking, savings and time deposits to avoid the $10 monthly service charge
  • Apple pay capability for iPhone users