Personal banking for the modern person.

Banking made easy.

Personal Checking Account Options

Your personal checking account is a hub of activity, which is why you need a reliable bank. At Luminate Bank, you'll have access to the best plans for your future finances, including our Radiant Checking options, designed to brighten your financial management.

Luminate Brighter Checking

This account option offers unlimited check writing and includes a large network of surcharge free ATM's.

Requires a minimum of $100 to open
No minimum balance, no monthly service
Interest bearing up to 2.02% APY*

Open Account

Masters 50 Checking

This checking account offers FREE masters checks for customers 50 and over.

Requires a minimum of $100 to open
Non-interest bearing
No minimum balance fees

*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change. Fees could reduce earnings on the account.

What do you get with your checking account?

Online Banking

With Luminate Online Banking, access your funds anytime, anywhere—just with internet access from your computer.

Bill Pay

No paper checks? No problem! Our online bill pay options streamline your transactions, eliminating the need for paper while simplifying your finances.

Mobile Deposit

With the Luminate Bank Mobile App, depositing checks is a breeze, ensuring that your banking keeps pace with your busy life.

Alerts

Stay informed and sign up for account alerts, keeping you updated on your finances so you can focus on what matters most to you.

A man is sitting on a couch using a laptop and a cell phone.

Brighter Checking

Luminate Bank is committed to aligning with your financial and lifestyle goals, providing flexibility through our array of products and services, including Radiant Checking. Whether for personal or business use, our checking accounts are designed to handle high transaction volumes, offering you the tools and plans you need for effective financial management.

Eager to explore your options? Contact us to discover the checking solutions tailored for you and your family, ensuring a brighter financial future with Luminate Bank.

Interest, It's Meaningful Again! And You Could Earn More with Luminate Bank

By Luminate Marketing Team • 31 May, 2023

In today's financial landscape, finding a bank that truly values your financial well-being can feel like searching for a needle in a haystack. Welcome to Luminate Bank, where we believe in making your money work harder for you.