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Last Updated: 01/21/2026

Ponce Bank Simply Free Checking

from Ponce Bank

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A

Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Maintenance Fee

$0(Verified 01/21/2026)

Ponce Bank Simply Free Checking Review

The Ponce Bank Simply Free Checking is offered by Ponce Bank, a bank founded in 1960 and based in Bronx, NY. Ponce Bank Simply Free Checking is available in 50 states and Washington, DC.

Key Takeaways

No monthly maintenance fees. This account does not charge any monthly account fees.
No ATM fees. Ponce Bank Simply Free 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 Simply Free Checking Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
Debit card

No signup bonus.
Does not earn interest.
Does not offer mobile check deposits.
Does not provide access to a nationwide ATM network.

Ponce Bank Simply Free 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 Simply Free Checking offer?

Ponce Bank Simply Free Checking is not an interest-bearing account.

What are the account minimums for Ponce Bank Simply Free Checking?

Ponce Bank Simply Free Checking requires a minimum initial deposit of $50.

Ponce Bank Simply Free Checking Minimums

Description

Minimum Opening Deposit

Starting at $50

What fees does Ponce Bank Simply Free Checking charge?

The good news is that this account does not have a monthly Service Charge.

Ponce Bank Simply Free Checking Fees

Description

Monthly Maintenance Fee

What features and perks does Ponce Bank Simply Free 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 Simply Free Checking allows you to manage your money online or with a mobile app.

What is the customer support email for Ponce Bank Simply Free Checking?

The customer support email for Ponce Bank Simply Free Checking is contact.center@poncebank.net.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

2244 Westchester Avenue Bronx

Bronx, NY 10462

(718) 931-9000

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 6:00PMSaturday9:00AM - 1:00PM

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.05%

Disclaimer popup with additional information

Monthly Service Fee

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Visit Site

Ponce Bank Direct Interest Checking

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.05%

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Monthly Service Fee

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Ponce Bank Premium Interest Checking

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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

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.