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Personal Checking


BankOn Checking

Our BankOn Checking account can give you a fresh start and ensure that you have access to a certified low-cost bank account that is safe, affordable and accessible.  In fact, it is Bank On certified, giving you the confidence to restart your banking relationship with the tools you need to manage your money.  Leave past problems behind with BankOn Checking!

BankOn Checking benefits include:

  • Free Chemung Canal Debit Card (no paper checks)
  • No overdraft or continuous overdraft fees
  • No monthly account maintenance fees
  • No minimum balance
  • Minimum $25 to open an account
  • Direct deposit of payroll, benefits, or social security checks
  • Online bill payment and Mobile Banking eligible 
  • Free eStatements available
  • Email and text alerts available


Bank On Certified 
Chemung Canal Trust Company's BankOn Checking is certified as meeting Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.