Choose Your Checking

PERSONAL CHECKING OPTIONS

SIMPLE, REWARDING BANKING 

At Profinium, we understand that your banking needs to be straightforward and beneficial. That's why we've designed checking accounts that are both easy to use and rewarding.




Fraud Tips & Alerts  |  Lost or stolen Debit Card




Is Free Checking Still a Thing? Yes—and It's Here 

Tired of monthly fees and account minimums? You’re not alone. At Profinium Bank, we believe your money should work for you—not the other way around. That’s why we offer free checking with no monthly service charges and no minimum balance requirements.

Here’s what you’ll get with our Free Checking:

  • No monthly fees

  • No minimum balance

  • Free online and mobile banking

  • Free debit card with fraud protection

  • Local support from your community bank

Whether you're managing your day-to-day expenses or starting fresh with your first account, Profinium’s Free Checking is simple, secure, and built for real life.










 PRO REWARDS Checking PRO BASIC Checking
Monthly Service Charge No monthly service charge.  No monthly service charge. 
Rewards when you meet qualifications
  • Up to $20.00 a month of ATM debit card transaction fee refunds when qualifications are met.
  • Earn a premium interest rate on up to $15,000.00 deposit funds in the account.
With Pro Basic Checking, we're keeping it simple - no monthly service charges, no qualifiers, and no rewards.
Simple banking for those looking for the basics. 
Annual Percentage Yield (APY) for account balances 
Effective as of November 8, 2024 
If qualification criteria are met:
  • 4.11% on balances up to $15,000.00
  • 0.38% on balances $15,000.01 and greater
  • 0.03% on accounts that do not meet the qualifications
Use our Pro Rewards Calculator to see how much estimated interest you could earn with Pro Rewards. 
 
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Qualifiers
Each month have:
  • 10 or more debit card purchase post and settle AND
  • At least one direct deposit or automatic payment (ACH - Automated Clearing House) post and settle
 No qualifiers with Pro Basic.

Open a Pro Rewards Account in Minutes Open a Pro Basic account in minutes

Once you have downloaded your Profinium banking app, you will have the ability to: 

  • Turn your card on or off.
  • Set transaction spending limits based on your preferences, including dollar amount, transaction type and merchant type.
  • Get instant alerts on certain types of transactions, like when a transaction is declined.
  • Set a specific region where the card can be used (travel notices).
  • Even set your card so it can be used only when your mobile device is nearby.

In addition to free access to our online & mobile banking, you get free access to our money management program, Money Pro. Monitor budgets, track spending, set goals, and use our interactive budgeting calendar to manage your cash flow throughout the month.  By adding your external accounts, Money Pro will even help you monitor your net worth.

Online and Mobile Banking




 
 
* First debit card is free. $10.00 per replacement card.
** Third party fees for internet, messaging, or data plans may apply.
 
All the details: 
  • One Pro Rewards account per tax ID number (i.e. social security number). 
  • Interest rates and Annual Percentage Yields are accurate as of May 12, 2025.  Must be of legal age to open deposit accounts.
  • Fees may reduce earnings. The minimum balance required to obtain the APY is $0.01. If you do not meet the qualifications with Pro Rewards, you will still earn an APY of .03%
  • Minimum deposit to open account at our branch for Pro Rewards, Pro Basic and Pro Saver is $25.00.   APY and Rewards may change after the account is opened without notice to you.
  • If account qualifications are met during the prior qualification cycle, you will receive credit for up to $20.00 in ATM fees on the 5th of the current month. A qualifying cycle is from the 1st of the month to the last business day of the month.
  • ATM debit card transaction fees will be refunded only. Profinium Credit Card ATM fees will not be refunded. 
Additional details for online account opening:
  • To fund the account, you will do an ACH transaction (Automatic Clearing House) from a financial institution to your new Profinium account.  You will need to have an open account at another financial institution or at Profinium to complete the online account opening process. 
  • Submitting an application does not guarantee the account will be opened.
  • Time to submit an application will vary based on a number of factors including but not limited to quality of internet speed and client information readily available.