EDSB knows a checking account isn't necessarily about checks; it’s about convenient access to your money. Whether you write checks, use an ATM, or make your purchases with a Debit Card, we have a checking account to fit your needs. 

All EDSB checking accounts offer you the following great security and service features with a personal touch:

  • FDIC Insured
  • FREE Internet Banking and Internet Bill Pay
  • FREE eStatements - earn $5 just for signing up
  • Easy to use Account Alerts



Free Checking

If you’re looking for an account that gives you the benefits of both traditional checking and electronic banking, EDSB’s Free Checking is the answer.

  • No monthly fees
  • Unlimited FREE check writing
  • Open an account today with just $100
  • Monthly statements



Personal Touch Checking

Personal Touch Checking is for those of us who need the accessibility of electronic banking, with the perk of earning interest on our deposits.

  • Earn more with high-yield interest
  • Increased interest rates when your principle reaches $1,000, $10,000, $25,000, and $100,000
  • FREE check images
  • Open an account today with just $100
  • Average monthly balance of $250 required or $5 a month fee
  • FREE Mobile Banking
  • Monthly statements
  • Overdraft protection available




Student One

Let EDSB help simplify the financial challenges of being a student. The Student One account features convenient 24/7 access through Internet banking, Debit Card, and you earn interest on your deposits.  

  • Benefits available to students 13 - 19, or up to age 22 if enrolled in college
  • Great interest earnings on your savings. Save more and earn more.
  • Increased interest at $1,000, $5,000, $15,000 and $100,000
  • FREE Internet Banking and FREE Bill Pay
  • Convenient and easy to use EDSB MasterCard Debit Card
  • FREE Mobile Banking
  • No monthly service charges
  • Easy to use E-mail alerts
  • Overdraft protection available
  • Open today with a deposit of only $25
  • Overdraft protection available




Checking Plus

Enjoy a great checking account that features special perks for customers 50 years of age or greater. Start saving money with your checking account today.  

  • Earn interest on your deposits
  • Unlimited check writing and FREE checks with direct deposit
  • FREE Travel Money Cards and Cashier’s Checks
  • FREE small Safe Deposit Box, ½ price on larger boxes
  • FREE Insurance Review and Investment Services
  • Open an account today with just $100
  • Average monthly balance of $1,000 required or $5 a month fee
  • Monthly statements
  • Overdraft protection available
  • FREE Mobile Banking





Debit Cards

Enjoy the convenience of an EDSB MasterCard Debit Card with any of our Personal & Business Checking accounts. Use your card online, at the ATM to withdraw cash while out of town or after hours, or while shopping around town. To take advantage of this great product, call or come in to either of our branches and talk with a Personal Banker today!

  • Save money by eliminating check costs
  • Save the time and save the hassle of writing checks
  • Convenient access to cash at ATM’s throughout the country
  • Use your card around the world wherever Mastercard is accepted
  • Surcharge free ATM access at Privilege Status ATM’s around the country





A fee will be imposed for replacement, rush order and myPic debit cards.
Free Checking, Checking Plus Accounts: We will impose a fee when using a non EDSB ATM machine.
Personal Touch and Student One Checking Accounts have no fee when using an EDSB or Privilege Status ATM machine.
When you use an ATM not owned by EDSB or a non Privilege Status ATM, you may be charged a fee by the ATM operator.


MyPic Personalized Debit Cards

The Shazam MyPic Design Studio allows you to create a custom debit card featuring a photo of your choice. Choose a picture of your loved ones, good friends, a pet, or from your favorite vacation spot - it's your card and it can now feature your style.

Customizing your card is simple; upload your image and rotate, shrink, enlarge, flip, and even preview it before you place the order. It's your card and now you have the chance to personalize it. If you don’t have a photo of your own, you can select an image from the Shazam MyPic gallery.


  • Express your identity by making your purchases with your personally customized card.


  • Only $13.95 to get a debit card that is as unique as you!


To get started follow these easy steps...

1. Have your EDSB Debit Card number ready.

2. Have your personalized photo saved and ready to download.

3. View and read the Terms & Conditions

4. Check the box to agree to the Terms & Conditions

5. Visit the Shazam MyPic Design Studio to turn your photo into your personalized MyPic Debit Card.



Mobile Banking

EDSB Mobile Banking puts banking at your fingertips wherever you are.

What can Mobile Banking do?

Mobile Banking brings the convenience of Online Banking to your cell phone. There are different options for all of the different phone access styles and is available with every account at no extra cost. 

With Mobile Banking you can:

  • Make transfers on the go to prevent overdrafts and avoid pesky fees.
  • Pay bills from your cell phone.
  • Control your finances from the palm of your hand.


To get started just log into your Internet Banking* and follow the steps in the How to Enroll tutorial.


Not enrolled in internet banking?
Enroll in our complimentary Internet Banking service now.  


MORE INFORMATION


*Note- You must have text messaging to use any form of EDSB Mobile Banking.