Personal Checking Accounts

Dime offers a wide selection of personal checking accounts, including a perfectly free checking account for everyone, competitive interest-bearing accounts and accounts perfect for our customers 50 and over. And, all our new personal checking accounts include a variety of value-added features!

Every new personal checking account includes:

FREE Debit Card
FREE Online Banking
FREE Bill Pay
FREE Mobile Banking with Mobile Deposit†
FREE eStatements with online check images
FREE Thank You Gift*
Buy back of your unused checks and debit cards from another financial institution**
No Dime charges for Dime or non-Dime ATM usage***

Get a FREE gift when you open a checking account.

Perfectly Free Checking

A FREE Account for Everyone!

  • 50 FREE personalized checks
  • No Minimum Balance
  • No monthly service charge
  • No per check charge

Fabulous 50 Interest Checking

A perfect account for customers 50 and over

  • 50 FREE personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Direct Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment!

  • 50 FREE personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Prime Dime Interest Checking

Checking that pays you higher interest!

  • 50 FREE personalized checks
  • Higher interest rate with higher balances
  • Competitive interest if balance falls below $1,500
  • Only $10 monthly charge if average daily balance falls below $1,500


Expect Great Service

Dime Locations

Dime knows your time is valuable.  Our specialists are ready to help you at your convenience!



Have a question or need help with a checking account?


Give us a call!   call 1-800-321-DIME (3463)

Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See Schedule of Service Charges for details. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Bank rules and regulations apply. Minimum opening deposit is only $25. Ask us for details.

*We reserve the right to substitute a gift of similar value. Free gift provided at the time of account opening. Free gift may be reported on a 1099-INT or 1099-MISC. Limit of 3 new checking accounts opened per household receiving a free gift.

**Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented and a new Dime checking account is opened.

***Other institutions may impose a fee for using their ATM.

†Must have Dime Online Banking to use Dime Mobile Banking. Dime Mobile Banking App is available for select mobile devices. Mobile Banking is a free service from Dime. However, your mobile carrier may charge for data and text message usage. Transfer of funds and bill payments from savings and money market accounts are limited to six per monthly statement cycle.

Competitive information was obtained directly from financial institutions’ websites during the week of 10/5/15. Some institutions may have introductory offers; comparisons are for ongoing costs. Annual savings on business checking assumes the business uses 200 monthly transactions items.