Castle Checking

At Castle Bank, we believe customer interactions are based on relationships, not transactions. Castle Checking confirms our commitment to you and the community. This is not a "one time offer," but a demonstration of our ongoing dedication to put customers first. No hidden fees. No surprises. No hoops to jump through. Just honest banking with no strings attached.

Account Features:

  • No monthly service fee
  • No minimum deposit to open or minimum balance requirement
  • One Overdraft Forgiveness every 12 months1
  • Free circle one atm and non - circle one atm withdrawals (other bank and ATM operators' surcharges may apply)
  • Free bank logo checks
  • Free Visa® Debit Card
  • Free Online Banking, BillPay, and Account Alerts
  • Free Mobile Banking - pay bills, deposit checks and transfer money
  • 0.25% rate discount on Auto, Home Equity and Personal Loans
  • $200 Mortgage closing cost credit - see a Mortgage Loan Officer for complete details
  • Free statements - online or paper
  • $25 Safe Deposit Box discount
  • Free Debit Card Fraud Monitoring
  • Free cashier's checks
  • Free incoming wires
  • Free stop payments

View Deposit Agreement

New Checking Customers
Apply Now
Existing Customers
Upgrade Now

Frequently Asked Questions

  • Q: Will I have to change my account number or get a new debit card?
    A: No, there will be no change to your account number or a need to get a new debit card. Everything about your account will stay the same - plus all the great new benefits.
  • Q: You say this is a free checking account with no hidden fees - what's the catch?
    A: There's no catch. Castle Bank has a history of doing what's right for our customers. You told us you were concerned about fees and we listened.
  • Q: How long will this offer last?
    A: It's not an offer - it's how we do business.
  • Q: I'm a business customer. Can I get the same benefits on my business checking account?
    A: Castle Checking is currently a consumer product only, however, please check out our Small Business or Corporate Banking websites for a listing of our available products and services.
  • Q: How does the Overdraft Forgiveness work? Will the Overdraft or Returned Item Fee automatically be reversed?
    A: If you are eligible to receive an Overdraft Forgiveness at the time of your occurrence, the fee will be automatically waived. Overdraft Forgiveness will waive one Overdraft or Returned Item fee every 12 months from the date of your last refund. For example, if an Overdraft or Returned Item fee is automatically waived on January 1st of this year, the next time one will be eligible to be automatically waived would be January 1st of the following year.
  • Q: How quickly will you forgive the Overdraft or Returned Item fee?
    A: We will be able to confirm and issue the forgiveness the same business day - automatically.
  • Q: Will I always be charged an Overdraft Item fee if my account is overdrawn?
    A: No, you will not always be charged an Overdraft fee. Our standard $33 Overdraft Item Fee (no more than 4 per day) will be charged for each item when your overdraft balance exceeds $20 in each business day.
  • Q: What impact will Castle Checking have on safe deposit box fees?
    A: Castle Checking offers a $25 annual safe deposit discount. There are a limited number of safe deposit boxes available and this offer is subject to availability.
  • Q: What if I want to earn interest on my account?
    A: Castle Checking is non-interest bearing. If you want to earn interest on your checking account, you can upgrade to Castle Premier Checking which pays interest when you maintain an average daily balance in deposit relationships of $15,000 or more. Also, adding a savings or money market account that links to your Castle Checking account will earn interest and help protect against potential overdrafts.

Overdrafts and Returns

We understand that mistakes happen and that overdrawing your account can happen to anyone. Visit our Overdrafts and Returns page for more information and be sure to call or stop by a convenient branch location to speak to a Personal Banker for more details about all of the service options we provide.

Castle Premier Checking

If you maintain a combined average daily balance of $15,000 in your Castle Checking, Savings, Money Market, CD and IRA accounts, you are eligible for Castle Premier Checking.

Receive all the benefits of Castle Checking, plus:

  • Earn interest on your account
  • Premium rates on Checking, Savings, Money Market, CD and IRA accounts
  • $400 Mortgage closing cost credit - see a Mortgage Loan Officer for details

To start enjoying these benefits, contact a Banker today.

View Deposit Agreement



Banking Cards

At Castle Bank, customers have quick and easy access to cash any time, across the globe. You can choose to access cash from any Interlink, NETS or PLUS System ATM worldwide using our 24 Hour Bank Card or debit card. Castle Bank Visa® Debit Cards2 provide purchasing power.

Visa® Debit Card

  • Just present your card at the merchant and sign your receipt
  • Purchase amount is automatically deducted from your Castle Bank checking account
  • No monthly fee
  • Make up to $3,000 in purchases per day (provided adequate funds are available)
  • Make up to $1,000 in cash withdrawals per day from any NETS or PLUS System ATMs (provided adequate funds are available)*
  • No transaction fees
  • Visa's Zero Liability** when you use your Visa Debit Card to make purchases

* A surcharge may be assessed by the financial institution that owns the ATM.

** Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

24 Hour Bank Card

  • 24/7 access to the cash in your account at any Interlink, NETS or PLUS System ATMs worldwide*
  • Up to $600 in cash withdrawals per day from any Interlink, NETS or PLUS System ATMs worldwide (provided adequate funds are available)**
  • Accepted at stores displaying the Interlink or NETS symbol
  • ATM withdrawal amount is automatically deducted from your checking or savings account

* Available on a Castle Bank checking or savings account. Subject to qualifications.

** A surcharge may be assessed by the financial institution that owns the ATM.

Platinum Visa® Debit Card

  • A high-performance debit card with greater purchasing power and cash accessibility
  • The amount of your purchase is automatically deducted from your Castle Bank checking account
  • No monthly service fee
  • Make up to $10,000 in purchases per day (provided adequate funds are available)
  • Make up to $1,000 in cash withdrawals per day from any Interlink, NETS or PLUS System ATMs (provided adequate funds are available)*
  • No transaction fees
  • Visa's Zero Liability** when you use your Visa Debit Card to make purchases

* A surcharge may be assessed by the financial institution that owns the ATM.

** Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

1The payment of transactions into overdraft is discretionary and Castle Bank reserves the right to not pay. For example, Castle Bank will consider payments of overdraft items if your account is in good standing. If not in good standing, your overdraft privileges may be changed or removed. “Good Standing” means that you 1) make sufficient deposits to bring your account to a positive end of day balance at least once every 30 calendar days (including payments of all bank fees and charges); 2) avoid excessive overdrafts; and 3) there are no legal orders, levies, or liens against your account. Castle Bank may authorize and pay overdrafts for checks and other transactions made using your checking account number and for automatic bill payments (ACH and recurring debit transactions), and if you give us permission, we may authorize and pay overdrafts for ATM and everyday debit card transactions. A $33.00 Overdraft Item Fee (no more than 4 per day) will be charged for each item when your overdraft balance exceeds $20 in each business day. If your transaction is returned unpaid, you will be assessed a $33.00 Returned Item Fee (also maximum 4 per day). If you have a Castle Checking or a Castle Premier Checking account, you will automatically receive one free Overdraft or Returned Item forgiveness every 12 months from the date of the last automatic refund.

2 Available on Castle Bank checking accounts only. Subject to qualifications.