Personal Checking
Evolve Bank & Trust offers personal checking with seamless online access, no hidden fees, and secure digital banking. Manage your money effortlessly with modern tools designed for your lifestyle.
Enjoy the convenience of top-tier banking technology with Evolve’s personal checking services. Access funds, set up direct deposits, and make seamless payments—all with secure, mobile-friendly banking designed for you.
Every Evolve Bank & Trust checking account comes with:
*Subject to approval.
**Free access to any ATM on the National MoneyPass Network. This includes free access to thousands of machines across the U.S. International fees do apply.
- FREE Evolve Contactless Debit/ATM Card
- FREE ATMs Nationwide **
- FREE Online Banking
- FREE Online Bill Pay
- Low Opening Balance
- Unlimited Check Writing
- Online Funds Transfer (certain fees may apply)
- eCall with 24/7 ability to check accounts
- Monthly Statements
- eStatements
- FDIC Insurance
- Overdraft Protection
- eSnap Mobile Deposit *
Checking Account Types
eFreedom Checking
The Evolve Bank & Trust eFreedom Checking account offers all the features you need, plus the flexibility and convenience you expect from a bank. We offer a range of benefits, including no monthly maintenance fees, unlimited check writing, free online banking, and bill pay.
Other Features include:
- FREE Mobile & Online Banking
- FREE Mobile Deposit*
- FREE Online Bill Pay
- eCall with 24/7 ability to check accounts
- FREE eStatements
- FREE First Order of Standard Checks
- FREE Unlimited Check Writing
- Contactless ATM/Debit Card*
- Nationwide ATM Refunds
- Text Alerts**
- Email Alerts
- Cashier Checks. Standard fees apply
- Safe Deposit Box. Standard fees apply
- $5 monthy fee for Paper Statements when opting out of eStatements
*Subject to approval.
**Mobile carrier fees may apply.
Personal Checking. Evolved.
With Evolve’s eFreedom Checking Account, you can open an account and get started with just $100. By maintaining a minimum daily balance of $250 AND setting up at least one monthly direct deposit in your eFreedom Checking Account, we will waive the monthly service fee, and you can keep more of your hard-earned cash.
In addition to eCall with free 24/7 ability to check accounts (dial 888.885.9876 and setup a 4-digit PIN for future access), you can enjoy the benefits of online digital banking, including free deposits, transfers, and bill payments, plus with online banking, you can easily manage your finances with instant access to your account balance, transaction history, eStatements, and more.
Take advantage of Evolve’s free online bill pay to track expenses and make payments without the hassle of paper checks. Plus, enjoy nationwide convenience with access to over 32,000 surcharge-free ATMs through the MoneyPass Network.
eLife Checking
Evolve’s eLife Checking Account offers all the benefits of eFreedom Checking, plus the advantage of earning competitive interest on your daily collected balance, unlimited check writing, free online banking and bill pay, and access to complimentary savings accounts.
Other Features include:
- FREE Mobile & Online Banking
- FREE Mobile Deposit*
- FREE Online Bill Pay
-
FREE eCall with 24/7 ability to check accounts
- FREE eStatements
- FREE First order of Standard checks
- FREE Unlimited Check Writing
- FREE Savings Account
- FREE Cashier Check (up to 3 per month)
- Contactless ATM/Debit Card*
- Nationwide ATM Refunds
- Text Alerts**
- Email AlertsSafe Deposit Box (25% discount on standard fees*)
*Subject to Approval.
**Mobile carrier fees may apply.
Premium Checking. Evolved.
Opening an eLife Checking account is as easy as our eFreedom Checking account. You can open your account with a simple $100 deposit. Once your account is active, you’ll be eligible for our Interest Checking, which pays you competitive interest rates that accrue daily and compound monthly. The Evolve eLife Checking account is free as long as you maintain a daily balance of $750 or more, or if you have a total combined loan and/or deposit balances of $50,000 or more.
The eLife Checking account is a great option for customers who want a premium checking account with added benefits and features, such as unlimited check writing, free online banking and bill pay, ATM fee reimbursements, and many more. If you are looking for a robust checking account that meets your financial needs, the eLife Checking account may be the option for you.
eUniversity Checking
If you are a college student looking for stress-free checking services, the eUniversity Account could be the perfect fit for you. Designed for students aged 24 and under, this free account offers a hassle-free way to manage your finances with ease.
Other Features include:
- FREE Mobile & Online Banking
- FREE Mobile Deposit*
- FREE Online Bill Pay
-
FREE eCall with 24/7 ability to check accounts
- FREE eStatements
- FREE First Order of Standard Checks
- FREE Unlimited Check Writing
- No minimum daily balance
- No monthly service charge
- Nationwide ATM Refunds
-
Contactless ATM/Debit Card*
- Text Alerts**
- Email Alerts
- Cashier Checks. Standard fees apply
- Safe Deposit Box. Standard fees apply
*Subject to Approval.
**Mobile carrier fees may apply.
eUniversity Accounts are free and can be opened with a low opening balance of only $100. There are no monthly service charges, and we will accept a school ID to open your account.
As an Evolve eUniversity Checking account holder, you will have access to over 32,000 surcharge-free ATMs nationwide, through the MoneyPass Network. This massive network gives students the convenience of accessing their cash while they’re away from home.
While you’re working on your education, it’s also a good time to work on your credit. The eUniversity Checking account offers free online banking and bill pay. Online banking allows students to check their account balances, view transaction history, transfer funds between accounts, and more. Bill pay allows students to easily pay their bills online, and on time.
Branch Locations
Banking Center
Triad Centre III
6070 Poplar Avenue, Suite 100
Memphis, TN 38119
Lobby Hours
9am-4pm CT, Mon-Thur
9am-6pm CT, Fri
Drive-Thru Hours
8:30am-5pm CT, Mon-Thur
8:30am-6pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
123 West Parkin Street
Parkin, AR 72373
Mailing Address
PO Box 526
Parkin, AR 72373
Lobby Hours
8:30am-12pm CT, Mon-Fri
Drive-Thru Hours
8:30am-4pm CT, Mon-Thur
8:30am-5pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
111 East Huntington Avenue
Suite A
Jonesboro, AR 72401
Lobby Hours
8:30am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Virtual Teller & ATM
1810 Main Street
Jonesboro, AR 72401
Virtual Teller Hours
8:30am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
1566 Hwy 62/412
Highland, AR 72542
Mailing Address
PO Box 480
Hardy, Arkansas 72542
Lobby Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Banking Center
301 Shoppingway Boulevard
West Memphis, AR 72301
Lobby Hours
8:30am-5pm CT, Mon-Fri
Drive-Thru Hours
8:30am-5pm CT, Mon-Thur
8:30am-6pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
1690 North Falls Boulevard
Wynne, AR 72396
Mailing Address
PO Box 1003
Wynne, AR 72396
Drive-Thru Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
2860 I-55 Service Road, Suite A
Marion, AR 72364
Lobby Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
101 East Chestnut Street Suite A
Rogers, AR 72756
Lobby Hours
8:00am-5pm CT, Mon-Fri
(No Drive-Thru)
Closed Sat-Sun & Federal Holidays
Mobile Banking at Your Fingertips
- Manage Funds Seamlessly
- Pay Bills Automatically
- Secure Your Funds Effortlessly
Next-Level Services
Experience the convenience and power of top-tier checking account services — free for all Evolve customers. It’s just one of the ways we make banking easier, smarter, and more rewarding for you.
Access your accounts at ATMs across the United States, for FREE.
Evolve Bank & Trust customers get free access to any ATM on the national MoneyPass® Network. This includes free access to thousands of machines across the U.S. Evolve is also a member of the PULSE and PLUS networks which can be accessed around the U.S. and in over 120 countries.
Bank anytime, anywhere with Evolve’s Digital Banking App. Check balances, transfer funds, deposit checks, and pay bills seamlessly—all from your mobile device. Enjoy secure, real-time access to your account with advanced security features and intuitive tools designed for effortless money management. Download today.
Enjoy secure, convenient spending with Evolve’s debit cards. Make purchases online or in-store, access over 32,000 surcharge-free ATMs, and manage transactions in real time. With advanced security features and contactless payment options, your Evolve debit card gives you the flexibility to manage your money effortlessly.
Stay in control with Evolve’s real-time alerts. Get notified of deposits, withdrawals, low balances, and unusual activity instantly. Customize alerts via email or text to track spending and manage your finances with confidence. With Evolve’s smart notifications, you’ll always know where your money stands—anytime, anywhere
Frequently Asked Questions
What Do I Need to Open a Checking Account?
Opening a personal checking account with Evolve Bank & Trust couldn’t be easier. Bring in a valid form of identification (such as a driver’s license or passport), proof of address (such as a utility bill or lease agreement), and your Social Security number. Our personal bankers can guide you through setting up a new account.
How Do I Set Up Direct Deposit?
To set up direct deposit, give the employer your Evolve Bank & Trust account and routing number. Once direct deposit is set up, your paycheck automatically deposits into your account, giving you easy access to funds without the hassle of depositing paper checks.
How Do I Open a Joint Checking Account?
Opening a joint checking account with us is as easy as opening an individual one. Both account holders need to provide valid identifications, proof of addresses and Social Security numbers, as if they’re setting up personal accounts. Our personal bankers can help you with the rest. Locate an Evolve Bank near you.
What Is Overdraft Protection?
Evolve Bank & Trust offers overdraft protection for account holders by covering transactions that exceed your balance. If you overspend, overdraft protection transfers funds from a linked account to cover the difference. You can also use a credit line to avoid fees at check-out.