Personal Financial Freedom

Everyday Banking Built Around Your Life

Experience borderless personal checking, high-yield savings earning 4.85% APY, premium cash-back debit cards, and seamless 24/7 digital management.

Open Personal Account Compare Account Types

FEDERAL WESTERN

PREMIER WORLD ELITE

4892 •••• •••• 9012

Cardholder

ALEXANDER VANCE

Expires

09/29

4.85% APY

High Yield Savings

$0 Monthly

No Hidden Fees

Banking Built For You

Personal Banking Products

Tailored account options designed to grow your wealth, manage daily spend, and secure your long-term future.

Premier Checking Account

Everyday checking with no overdraft fees, free global ATM reimbursements, and early direct deposit access up to 2 days faster.

$0 minimum opening balance
Free metal contact-less debit card
Free instant Zelle & wire transfers

Open Checking

Popular Choice

High-Yield Savings (4.85% APY)

Accelerate your savings with top-tier interest rates, zero locked terms, automatic savings rules, and full compound interest daily.

10x higher rate than national average
No lock-in period or withdrawal penalties
FDIC insured up to $250,000

Start Earning 4.85%

Private Wealth & Portfolio

Bespoke wealth management, private banking advisors, structured market investment plans, and tax-efficient wealth preservation.

Dedicated Senior Wealth Manager in NYC
Global estate planning & asset protection
Institutional private market investments

Consult Wealth Advisor

Growth Projection

Watch Your Money Compound

Calculate how much your personal wealth can grow with TRUSTCO ONLINE BANK's 4.85% High-Yield Savings Account compared to standard traditional banks.

Daily Compound Interest

Interest is calculated daily and credited directly into your balance monthly.

Personal Savings Calculator

Initial Deposit ($) $10,000

Monthly Contribution ($) $500

Time Horizon (Years) 5 Years

Estimated Balance at 4.85% APY

$45,182

Start Saving Now

Compare Options

Find the Right Account for Your Goals

Side-by-side comparison of our core personal banking products.

Features	Premier Checking	High-Yield Savings	Private Wealth
Annual Percentage Yield (APY)	0.15% APY	4.85% APY	Custom Market Portfolio Rates
Monthly Maintenance Fee	$0 Always	$0 Always	$0 (with minimum asset balance)
Minimum Opening Deposit	$0	$100	$250,000
ATM Fee Reimbursements	Unlimited Global	N/A	Unlimited Global VIP
Dedicated Wealth Advisor	No	No	Dedicated Advisor
Debit Card Rewards	1.5% Unlimited Cash Back	N/A	3% Cash Back + Airport Lounges

Federal Western Mobile

Bank Anytime, Anywhere from Your Smartphone

Manage your checking, high-yield savings, and investments directly from our top-rated mobile app available on iOS and Android.

Mobile Check Deposit

Deposit paper checks instantly using your camera.

Instant Wire & Zelle

Send money to friends or family in seconds.

App Store Google Play

Frequently Asked Questions

Personal Banking FAQs

How long does it take to open a personal account?

Opening an account online takes under 3 minutes. Simply present a valid state ID or Passport and your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).

Is my money insured by the FDIC?

Yes! Deposits at TRUSTCO ONLINE BANK are insured up to $250,000 per depositor, per ownership category through the Federal Deposit Insurance Corporation (FDIC).

Are there any monthly maintenance fees for checking?

No. Our Premier Checking Account carries $0 monthly maintenance fees and requires no minimum ongoing balance.