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Personal Checking
How to Choose a checking account
No matter what stage of life you are in, York Traditions Bank has products that will help you reach your financial goals. From a basic checking account to our unique interest-earning checking accounts, we’ll work with you to find just the right account or combination of accounts to meet your needs.
PowerUp Checking
PowerUp Checking
Forget the Fees. PowerUp Pays You!
PowerUp Checking is an innovative checking account that turns your York Traditions Bank debit card purchases and a few clicks of your mouse into an unexpected interest rate!
- No minimum balance requirement
- No monthly service fees
- Free Online Banking
- Free Bill Pay
- Free Mobile Banking†
- Free Mobile Deposit
- Free unlimited check writing
- No YTB charge on any foreign ATM withdrawals
- Surcharge-Free MoneyPass® ATM network member
Account qualifications per statement cycle in order to earn the highest available APY*:
- At least 15** posted debit or credit point of sale (POS) purchases using your York Traditions Bank debit card
**TEMPORARY CHANGE IN RESPONSE TO COVID-19: The number of required posted POS transactions has been reduced from 15 to 8 for the following statement cycles: April, May and June 2020 statements that are provided at the end of the month. May, June and July 2020 statements that are provided on the 15th of the month. - At least one ACH credit or debit (direct deposit or automatic payment) from your account
- Use of a monthly E-Statement
- A valid email address
*Annual Percentage Yield. New qualifying cycle begins each statement period. For Personal Accounts only. †Standard data and text messaging rates may apply.
PowerUp Checking as of May 27, 2020
| Balance | Interest Rate | APY* |
| Balances up to $20,000 | 1.24 | 1.25 |
| Over $20,000 | 0.05 | 1.25 to 0.24 |
*Annual Percentage Yield (APY) is subject to change after account is opened. APY assumes the following account qualifications are met per statement cycle in order to earn the highest available APY: at least 15** posted Debit or Credit point-of-sale (POS) transactions using your York Traditions Bank Debit Card, at least one ACH Credit or Debit (Direct Deposit or Automatic Payment) from your account, and use of a monthly e-statement. If these qualifications are not met, the APY will be 0.05% on all balances in the account for the statement period.
Minimum deposit required to open account is $100.
**TEMPORARY CHANGE IN RESPONSE TO COVID-19: The number of required posted POS transactions has been reduced from 15 to 8 for the following statement cycles: April, May and June 2020 statements that are provided at the end of the month. May, June and July 2020 statements that are provided on the 15th of the month.
Would you like to learn more about PowerUp Checking? Complete the form below and we’ll be happy to call or email you to explain how this interest-earning, no-fee checking account can work for you!
Basic Checking
Basic Checking
- No minimum balance requirement
- Surcharge-Free MoneyPass® ATM network member
A monthly service fee of $12.00 is avoided with at least one ACH credit/direct deposit per statement cycle.
Checking with Interest
Checking with Interest
- Free financial consultation upon request
- Free point-of-sale transactions with a YTB MasterCard MasterMoney™ debit card
- No YTB charge on any foreign ATM withdrawals
- Surcharge-Free MoneyPass® ATM network member
Our Checking with Interest account offers tiered competitive interest rates that begin with a balance of $0.01. A monthly service fee of $12.00 is avoided by maintaining a minimum balance of $1,000.
In addition, you may qualify for the following:
Relationship Benefits
Minimum balance for Checking with Interest is waived, a monthly service fee of $12.00 is avoided, and a 50% discount on safe deposit box rental is given if your account is linked to one of the following:
- Savings balance of $2,500 or more
- Certificate of Deposit balance of $10,000 or more
- Total Personal Loan balance of $15,000 or more
- Any combination of the above, plus Money Market balances, for a total of $15,000 or more
Traditions Privileges
Checking with Interest account owners age 50 and older qualify for free specialty checks and a 50% discount on safe deposit rentals.
Checking with Interest as of May 27, 2020
| Balance | Interest Rate | APY* |
| $0.01 to $99,999.99 | 0.05 | 0.05 |
| $100,000 & Over | 0.10 | 0.10 |
*Annual Percentage Yield (APY) is subject to change after account is opened. Fees could reduce earnings. Minimum deposit required to open the account is $100.
