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Online Checking

Online Checking

A powerful, interest-bearing checking account1 that includes more benefits, perks and added protections with your debit card. Online Checking has no monthly maintenance fee.

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For the best online user experience, please use one of the following compatible browsers to open an account: Google Chrome, Firefox, or Safari. Windows-based browsers are not supported at this time.

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Product details

Key Features

  • Earns interest
  • No monthly maintenance fee
  • Enhanced Debit Card with protections provided by Mastercard®2:
    • Satisfaction Guarantee3
    • Price Guarantee4
    • Extended Warranty5
  • Two (2) domestic non-Allpoint®, non-Amalgamated Bank ATM surcharges waived per statement cycle6
  • Low minimum opening deposit7

Big on benefits and convenience

  • Surcharge-free access to more than 40,000 Allpoint® ATMs8 nationwide
  • 24/7 Access with Online and Mobile Banking9
  • Dedicated customer service


1 This account can only be opened online. It cannot be opened at an Amalgamated Bank branch.
2 Mastercard and the Mastercard Brand Marks are registered trademarks of Mastercard International Incorporated
3 Up to $250 per claim and four claims in a one (1) year period. Additional terms, conditions and restrictions apply. Refer to the Guide to Benefits for details at
4 Maximum benefit for repair or replacement cannot exceed the purchase amount placed on your debit card or $10,000. Additional terms, conditions and restrictions apply. Refer to the Guide to Benefits for details at
5 Maximum of four claims per one-year period. Additional terms, conditions and restrictions apply. Refer to the Guide to Benefits for details at
6 The two (2) non-Amalgamated Bank/non-Allpoint domestic ATM surcharges will be debited from your account at the time of the transaction and credited to your account on the same business day that the transaction is posted to your account.

$100.00 minimum opening deposit.
8 Fees may apply for non-Amalgamated, non-Allpoint® and international ATM transactions.
9 Your mobile carrier’s message and data rates may apply.
All accounts are subject to the bank’s Account Opening Disclosures.
For a complete list of fees, click here to view the Fee Schedule.

Amount APY* Interest rate
$0 $2,499.99 0.10% 0.10%
$2,500+ 0.20% 0.20%
* APY means Annual Percentage Yield
Rates effective as of 03/25/2020. This is a variable rate account. The rates may change after the account is opened. Fees may reduce earnings. Advertised rate and APY are offered at the bank’s discretion and may change daily.







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Putting our mission into action

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With the launch of the “Hate Is Not Charitable Campaign”, the Amalgamated Foundation announced to the world that we would not sit quietly while organizations that promote hate continue to work the system to benefit their abhorrent actions.

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In strong job markets, such as the one we’re experiencing now, employers face the reality of a potentially fleeting workforce. An abundance of jobs, paired with the rise of transferable skills and the newfound mobility that workers enjoy, leaves companies with the task of continuously coming up with new and innovative ways to keep talent.

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Today, I am proud to announce that we are the first bank in the United States to increase our minimum wage to $20 an hour for all full-time employees. By raising our minimum wage, we are continuing to honor our roots in the labor movement and to do our part in creating greater access and opportunity for our workers and their families.