Personal Checking

Straightforward checking options designed for everyday use, with a choice between non-interest and interest-bearing accounts.

Personal Checking

• Simple account for day-to-day banking
• Includes ATM & Visa® Debit Card
• Minimum to open: $500
• Monthly fee: $10 (waived with one of the following):
• $1,000 minimum daily balance
• $2,000 monthly average balance
• $15,000 monthly combined deposit balances

Personal Checking with Interest

• Earn interest on your balance
• Interest compounds daily and is credited monthly
• Minimum to open: $500
• Monthly fee: $13 (waived with one of the following):
• $2,000 minimum daily balance
• $5,000 monthly average balance
• $15,000 monthly combined deposit balances
• Rates may change; fees may reduce earnings

A premium checking option with added benefits.

• Includes ATM & Visa® Debit Card
• Minimum to open: $1,000
• Monthly fee: $15 (waived with $25,000+ monthly combined balances)
• Earns interest; rates may change, and fees may reduce earnings

Designed for clients aged 55 and older.

• Includes ATM & Visa® Debit Card
• Minimum to open: $100
• Monthly fee: $8 (waived with one of the following):
• $500 minimum daily balance
• $1,000 monthly average balance in any combination of deposit accounts

A no-fee checking account for ages 13–17.

• Includes ATM & Visa® Debit Card*
• Minimum to open: $10
• No setup fee and no monthly fee**
• A parent or guardian must be joint on the account if the primary account holder is a minor
• Debit card limits may be set by parent or guardian
• At age 18, standard Personal Checking terms apply

Convenient access to your funds for purchases, cash withdrawals, deposits, and everyday banking.

ATM Access

• Access your account 24/7 at Bank of Marin ATMs
• Withdraw cash, make deposits, and transfer funds
• No fee at Bank of Marin ATMs or ATMs in the MoneyPass® network
• Up to six withdrawals per month at other ATMs with no Bank of Marin fee (other bank fees may apply)

Visa® Debit Card

• Pay for purchases directly from your checking account
• No charge for purchases using signature or PIN
• Transactions are reflected in online banking and monthly statements
• Includes Visa Zero Liability protection for unauthorized transactions

Mobile Wallet

Use your Bank of Marin debit card with compatible mobile wallets for fast, secure, and contactless payments.

Options designed to help you manage overdrafts and maintain control of your account.

How overdraft services work

• May cover checks, ACH, and certain recurring payments when funds are not available
• Everyday debit card and ATM transactions are generally declined if funds are not available
• Payment of overdrafts is discretionary and not guaranteed

Important details

• Transactions may be declined or returned if not paid
• Overdraft fees may apply when items are paid (limits per day apply)

Overdraft Protection Options

• Deficit Funds Transfer
• Automatically transfers available funds from a linked Bank of Marin deposit account, such as a savings account, to help cover overdrafts.

Overdraft Credit Link

A line of credit linked to your checking account that can provide additional overdraft protection.

How it works:

Funds may be advanced up to your available credit limit if there are insufficient funds in your account.

Additional details:

• Subject to credit approval
• Rates and terms apply