Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Rewards
N/A
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
Monthly Maintenance Fee
$0(Verified 01/21/2026)
Ponce Bank Direct Interest Checking Review
The Ponce Bank Direct Interest Checking is offered by Ponce Bank, a bank founded in 1960 and based in Bronx, NY. Ponce Bank Direct Interest Checking is available in 50 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No ATM fees. Ponce Bank Direct Interest Checking does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Ponce Bank mobile or online banking.
Ponce Bank Direct Interest Checking Pros & Cons
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Ponce Bank Direct Interest Checking FAQ
Are checking accounts from Ponce Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Ponce Bank Direct Interest Checking offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Ponce Bank Direct Interest Checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Ponce Bank Direct Interest Checking?
Ponce Bank Direct Interest Checking requires a minimum initial deposit of $50.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Ponce Bank Direct Interest Checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Ponce Bank Direct Interest Checking offer?
This account includes the following features:
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Ponce Bank Direct Interest Checking allows you to manage your money online or with a mobile app.
What is the customer support email for Ponce Bank Direct Interest Checking?
The customer support email for Ponce Bank Direct Interest Checking is contact.center@poncebank.net.
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Contact
Headquarters
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 6:00PMSaturday9:00AM - 1:00PM
Other Services by Ponce Bank
Other Checking Accounts from Ponce Bank
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.15%
Disclaimer popup with additional information
Monthly Service Fee
$0 - $7
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
$0
Disclaimer popup with additional information
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