Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.15%(Verified 06/21/2024)
Monthly Maintenance Fee
$0 - $7(Verified 01/21/2026)
Ponce Bank Premium Interest Checking Review
The Ponce Bank Premium Interest Checking is offered by Ponce Bank, a bank founded in 1960 and based in Bronx, NY. Ponce Bank Premium Interest Checking is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Ponce Bank Premium Interest Checking has an annual percentage yield of up to 0.15%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1500.
- Charges a monthly fee. This account charges a monthly fee of up to $7, but the fee may be waived if you keep a minimum balance of$1,500.
- Large minimum initial deposit. You need a minimum deposit of $1,500 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- No ATM fees. Ponce Bank Premium Interest Checking does not charge fees on ATM transactions .
Ponce Bank Premium Interest Checking Pros & Cons
| Pros | Cons |
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Ponce Bank Premium Interest Checking FAQ
Are checking accounts from Ponce Bank federally insured?
No, your Ponce Bank checking accounts are not insured by a federal insurance agency. This means that if Ponce Bank were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What APY does Ponce Bank Premium Interest Checking offer?
Ponce Bank Premium Interest Checking offers an APY starting at 0.05% and ranging up to 0.15% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $1500.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 0.15% |
What are the account minimums for Ponce Bank Premium Interest Checking?
Ponce Bank Premium Interest Checking requires a minimum initial deposit of $1,500.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $1,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $1,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $1,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Ponce Bank Premium Interest Checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $7.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 - $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Ponce Bank Premium Interest Checking offer?
This account includes the following features:
- Fraud monitoring - Ponce Bank Premium Interest Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
What is the customer support email for Ponce Bank Premium Interest Checking?
The customer support email for Ponce Bank Premium Interest Checking is contact.center@poncebank.net.
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Contact
Headquarters
2244 Westchester Avenue Bronx
Bronx, NY 10462
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%
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)
N/A
Monthly Service Fee
$0
Disclaimer popup with additional information
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