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Compare Personal Checking Accounts

We know financial needs and goals can be a moving target, so whether you're looking for a basic, hassle-free checking account or one that earns interest at competitive rates, Dime has an option for you. Our personal checking accounts are built to give you the secure, solid foundation you need for your money and your financial future.

Header Perfectly Free Checking Fabulous 50 Interest Checking Direct Interest Checking Prime Dime Interest Checking
Rate N/A 0.05% 0.05% 0.05% - 0.10%
Minimum Balance to Open $25 $25 $25 $25
Average Daily Balance To Avoid Service Charge None None None $1,500
Service Charge None None None $10
Minimum To Earn Interest N/A None None None
Fixed Monthly Service Charge or Per Check Fee None None None None
Personalized Checks First 50 FREE First 50 FREE First 50 FREE First 50 FREE
Grace Period 2 Statement Cycles 2 Statement Cycles 2 Statement Cycles 2 Statement Cycles
Non-Dime ATM Surcharge Refund No No No Yes
ATM Foreign Inquiry Fee $0 $0 $0 $0
ATM Foreign Withdrawal Fee $0 $0 $0 $0
International Fee $0 $0 $0 $0
Interest Bearing No Yes Yes Yes
  More Info More Info More Info More Info

Perfectly Free Checking

A reliable, free checking account - too good to be true? Nope. Meet our straightforward, no-strings-attached Perfectly Free Checking Account. No monthly fees, no minimum balance and no debit card purchases required. With unlimited check writing, online banking, mobile banking and bill pay, it's as good as it sounds. Maybe even better. View Full Account Details

Fabulous 50 Interest Checking

Our Fabulous 50+ Checking Accounts make it easy to prioritize your retirement goals with competitive interest rates. Enjoy free personalized checks and the same great benefits as our Perfectly Free Checking - no minimum balances or monthly service fees. View Full Account Details

Direct Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment. Interest Checking accounts offer competitive interest rates with no minimum balance. View Full Account Details

Prime Dime Interest Checking

If you’re looking for a checking account that helps you grow your money, look no further. Our Prime Dime Rewards Checking Account gives you competitive interest rates based on your checking balance, and ATM reimbursements up to $10. View Full Account Details

0.10% Annual Percentage Yield (APY) only available when daily balance is $10,000 or more. When daily balance is less than $1,500, your account earns 0.05% APY. When your daily balance is $1,500 to less than $10,000, your account earns 0.08% APY.

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Or call today: 1-800-321-DIME (3463)

Overdraft Line of Credit

Available for all Dime personal checking accounts.

  • Saves you from paying returned check fees
  • Low $25.00 annual fee
  • Competitive variable interest rate
  • No interest charges until the line of credit is activated
  • Subject to credit approval

You can add an overdraft line of credit when you sign up for a new personal checking account.  

If you already have a checking account and want to add it, sign up here.