EarnMore Checking Account

Interest Checking Account. Earn up to 1.50% APY.

EarnMore^ Interest Checking from MemoryBank allows you to enjoy free checking with over 85,000 surcharge free ATMs** while earning an interest rate that’s over 30X the national average*.

Disclaimer: We reserve the right to accept or deny your account application at our discretion.  If you do not qualify for our EarnMore account, we may offer you an alternative non-interest bearing second-chance account for your consideration.



MemoryBuilder Checking Account

Second Chance Checking Account. Rebuild your banking privileges.

MemoryBuilder Second Chance Checking Account from MemoryBank gives you the opportunity to help rebuild your banking privileges and is specially designed for customers who have been unable to open a checking account due to their prior banking history. 

Disclaimer: This is not an interest bearing account.  Overdraft protection is not available with this account.


All Accounts Come With These Features

  • Access to over 85,000 surcharge-free ATMs**
  • MemoryAlert balance and activity notifications, configured when and how you want them‡
  • Live customer support through online chat, phone and email.
  • No Minimum balance requirement
  • 24/7 access to online and mobile banking‡
  • Free Mobile Check Deposit
  • Free Online Bill Pay
  • LEARN MORE about all of the benefits of Online Only Banking with MemoryBank.