Checking Accounts

Simplify Your Every Day

Checking That Moves With You

TSB’s personal checking account options are designed to align with your financial habits. Make life easier with convenient benefits and features no matter if you’re taking your first financial steps or looking to thrive during your golden years.

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	Journey Checking	Advantage Checking	BankRight Checking
Minimum to Open	$25.00	$100.00	$10.00
Minimum Balance to Earn Posted APY	N/A	$5.00	N/A
Annual Percentage Yield	N/A	0.05%	N/A
Interest Rate	N/A	0.05%	N/A
Description	A checking account that fits each stage of your financial journey. For ages 13 and up. No Monthly Maintenance Fee Rebates of other banks’ ATM fees All TSB online and mobile banking services eStatements are required for this account.	Advantage Checking is the right checking account with: No Monthly Service Fee Low $5 Minimum Balance to Earn Interest Earns Compound Interest Includes all TSB online and mobile banking services	A checking account that fits your unique financial needs & goals. Low Monthly Maintenance Fee Checkless Account eStatements are required for this account.
APY as of: 07-12-2025	Journey Checking Details $25.00 minimum opening deposit required. Primary account holder must meet age criteria. It is not the policy of Torrington Savings Bank to open a checking account for individuals under the age of 18, however, exceptions may be made on a case-by-case basis where a parent/legal guardian is a co-owner on the account. Please contact us for additional information. eStatements are required with this account. Accounts without eStatements will be charged a monthly fee of $5.00. You must be at least 18 years of age to use Torrington Savings Bank Bill Pay. Please view Common Fee Schedule and our Consumer Account Terms and Conditions for complete product disclosure. Common Fee Schedule Consumer Terms & Conditions	Advantage Checking Details $100.00 minimum opening deposit required. Your interest rate and annual percentage yield may change. Interest will be compounded daily and credited monthly. You must maintain a minimum balance of $5.00 each day to obtain the disclosed annual percentage yield. Click here to view current rates. Review Common Fee Schedule and Consumer Terms & Conditions for complete product disclosures. *Free ATM transactions at Torrington Savings Bank ATMs. Torrington Savings Bank does not charge when you use your TSB Debit Card at another bank’s ATM. Please note other banks’ fees may apply. Withdraw cash without worry, find a surcharge free in network ATM here. Common Fee Schedule Consumer Terms & Conditions	BankRight Checking Details $10.00 minimum opening deposit required. eStatements are required for this account. Accounts without eStatements will be charged a monthly fee of $2.00. This is a checkless account. No NSF or overdraft fees will be posted to this account. Low monthly maintenance fee of $5.00 Please view Common Fee Schedule and our Consumer Account Terms and Conditions for complete product disclosures. *Free ATM transactions at Torrington Savings Bank ATMs. Torrington Savings Bank does not charge when you use your TSB Debit Card at another bank’s ATM. Please note other banks’ fees may apply. Withdraw cash without worry, find a surcharge free in network ATM here. Common Fee Schedule Consumer Terms & Conditions
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TSB Checking Account Features

Enjoy the perks of big bank features with the great rates and personalized service you can expect from Torrington Savings Bank.

Online Banking

An easy, convenient way to digitally manage your Torrington Savings Banks Accounts. Get balances, make transfers, and more.

Overdraft Protection

Avoid costly fees by applying for an overdraft line of credit or by linking a deposit account for overdraft protection.

Online BillPay

Pay your bills online anytime from within your online banking account. Set up automatic payments, receive & view your bills electronically, and more.

Mobile Banking App

Combining security features like facial recognition and debit card controls; plus banking features like viewing balances, making transfers, depositing check, and more; it’s no wonder the TSB Mobile App gets two thumbs up.

Go Paperless

Better for your security and the environment. View your bank statements online as soon as they’re ready with the mobile app or online banking. Make your life easier by reducing the clutter with eStatements.

Contactless Debit Card

Get secure, safe and convenient access to your checking account. It’s easy to manage with a TSB Contactless Debit MasterCard®.

Mobile Deposit

You don’t have to come into the bank to deposit checks anymore. Our mobile app lets you deposit your check in a snap.

Telephone Banking

Our telephone banking system is smart, so your phone doesn’t have to be. Get 24/7 access to your account to obtain balances, review transaction history, transfer funds and make loan payments, just by calling 1.800.232.9581

Direct Deposit

There’s nothing better than when money just shows up in your account automatically. With direct deposit, TSB makes it easy to for you to receive payments directly into your checking or savings accounts.

TSB DEBIT CARD

Master Your Card

Card Controls give you the power to make sure your TSB Debit MasterCard® is only used under the limits you set.

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Mobile Banking

Mobile banking lets you easily bank through your mobile device. Check balances, deposit checks, make transfers and so much more.

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Bill Pay

Convenient, easy, and licking envelopes not required! Paying bills has never been easier than with TSB Online Bill Pay.

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Ways to Open

In Branch:

Any type of Account, Any location, No Appointment Needed

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Online:

Open an individual or joint personal checking or personal savings account online in about 10 minutes.

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What You Need:

We’ll need some information and identification to help you open your account, along with your initial deposit.

What You Need