Bank Smart.

Perfectly Free Checking and a Free Gift!

Enjoy the benefits of Perfectly Free Checking

A FREE account for everyone!

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

Every new checking account includes:

  • FREE Debit Card
  • FREE Online Banking and FREE Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit3
  • No Dime charges for Dime or Non-Dime ATM usage4
  • FREE eStatements with online check images
  • 50 FREE personalized checks
  • FREE thank you gift1
  • Buy back of your unused checks and debit cards from another financial institution2
up to $10 Buy Back!

Receive a free gift when you open any new checking account


ReTrak Power Bank

Quickly recharge your favorite electronic devices with the ReTrak® 7,800 mAH Power Bank. It's perfect for home, the office and road trips.

We're your best choice.

  Dime Community Bank Chase Citi® TD Bank Bank of America
Perfectly Free Checking Total Checking® Basic Banking TD Simple CheckingSM Core Checking®

Competitive information was obtained directly from financial institutions' websites during the week of 1/18/18. Some institutions may have introductory offers; comparisons are for ongoing costs.

Free from minimum balance or direct deposit requirements? YES NO NO NO NO
Monthly service charge if requirements are not met? NONE $12 $12 $5.99 $12
Annual cost for checking if account terms are not met? FREE $144 $144 $71.88 $144

Ready to Get Started Now?

Click, Call or Come In!

Click here for locations


Call 800-321-DIME

We also have Perfectly Free Business Checking available. Contact us today!

Bank Local. We're in your neighborhood.

Find the Dime Branch nearest you.

Other fees such as for non-sufficient funds, overdraft, etc. may apply. See Schedule of Service Charges for details. Bank rules and regulations apply. Minimum opening deposit is only $25. Ask us for details.

1 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 one new checking account opened per customer receiving a free gift.

2 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.

3 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.

4 Other institutions may impose a fee for using their ATM