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At Eastern Michigan Bank we offer personal checking accounts tailored to fit your needs! In addition to its own unique features, each account can be customized with one or more of our complimentary convenient services including online banking, mobile banking, bill payment, mobile deposit, ATM or debit cards, and more! Whether you want a checking account that earns you interest or just a basic checking account, we can help! Stop in today to one of our nine branch locations in St. Clair, Sanilac and Huron Counties! Click here to find a location near you.

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Advantage 50

Minimum Opening Deposit





Min. Balance Requirements

(to avoid service charge)


$500 min daily or

$1,000 avg daily

$350 min daily or

$750 avg daily

Monthly Service Charge


$7 (waived w/eStatements)



Electronic Statement


Earns Interest

Interest Rate Tiers

4 tiers, see below

4 tiers, see below

ATM/Debit Card**

Check Printing

At cost

At cost

50% off 1st order

Free (pre-selected style)

Safe Deposit Box Discount

10% off w/AFT

10% off w/AFT

10% off w/AFT

$25 off 1st year's rental; 10% off after w/AFT

Online Banking & Bill Pay

Telephone Banking

Additional Benefits

5 free, other bank's ATM transactions

Preferred rates 

on select CDs

Tiered rates as follows:

  • $100,000 - $100,000+
  • $25,000 - $99,999
  • $2,500 - $24,999
  • $0 - $2,499

*Waived if you have direct deposit, are at least 62 or a full time student
**Debit card subject to approval


View Current Deposit Rates

Print Reconciliation Form

To open an account, just stop by the Eastern Michigan Bank location nearest you.

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