Access Checking

Simple Checking With Fewer Barriers

Access Checking is built for customers who want a straightforward way to manage their money without minimum balance requirements or complex rules. It provides the essential tools you need to spend, monitor activity, and stay secure—all at a predictable, low cost.

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No Minimum Balance Requirement

There’s no required minimum balance to maintain, helping you avoid unexpected fees and keep account management simple.

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Account Alerts & Controls

Use alerts and card controls to monitor transactions, manage spending, and add extra protection to your account.

Free Digital & Mobile Banking Access

Access your account anytime with online and mobile banking tools, including transfers, bill pay, and mobile check deposit.

Convenient Access Without the Paper Checks

This is a checkless account, designed for people who prefer digital-first banking. Access your funds with your debit card, at Civista ATMs, in-branch, or through Civista Digital Banking.

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Compare Personal Checking Accounts

Table	Access Checking	Focus Checking	Vision Checking	NexGen Checking
Earns Interest	Does not earn interest	Does not earn interest	Earns tiered rates	Does not earn interest
Monthly Service Charge Fee	$4.95	$6 15 or more debit card transactions per statement cycle Or $1,000 minimum balance per statement cycle Or $10,000 combined deposit balances.	$10 15 or more debit card transactions per statement cycle Or $2,500 minimum balance per statement cycle Or $25,000 combined deposit balances.	$5
Minimum to Open	$25	$25	$25	$25
FraudEYE Alerts Available
Zelle^® Compatible
Civista Standard Overdraft Coverage Available
Free Personal Debit Mastercard^®
Digital & Mobile Banking Access
Free Civista ATM Access
Free Online & Mobile Banking Tools*

^*Standard wireless carrier charges may apply.