Checking

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E-Checking

Open an E-Checking account

Thank you for considering E-Checking for your banking needs. In order to make this account work harder for you, E-Checking will be temporarily unavailable while we make updates. Please check back soon!

E-Checking is the perfect account for everyday spending. Start with a higher interest rate – almost triple what other banks offer. Then, avoid service fees when you sign up for direct deposit and use your debit card 8 times a month.

Features
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FAQs

E-Checking features

With E-Checking, you can avoid monthly bank fees and earn interest on your money.

Higher interest rates on your checking account – almost triple what other banks offer.¹
No monthly fee if you sign up for direct deposit and use your debit card 8 times each month.
No debit card requirement if you keep a combined total of $10,000 in Nationwide Bank deposit accounts, such as a checking, savings or money market account.
6 non-Nationwide Bank ATM transactions per statement cycle. With more than 76,000 ATMs, Nationwide Bank has one of the largest surcharge-free networks in the country.²
Free online banking, mobile banking and bill pay.
Free money transfers between your Nationwide Bank accounts and your accounts with other banks.
Overdraft protection, available with a linked savings account.³

Refer to our account terms and conditions for more information.

¹ Source: Informa Research Services, Inc. Calabasas, CA. www.informars.com. All data as of 5/1/2013. Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. Rates based on comparable products and do not include promotional rates.

² Surcharges from ATM owner may apply.

³ There is a $5 per day transaction fee for overdraft protection. For example, if you overdraw your account on three occasions in a single day, there will be one $5 fee charged. However, if you overdraw your account on three different days, there will be three separate $5 fees charged.

Balance	Annual Percentage Yield (APY*)
$0 - $499.99	0.10%
$500 - $999.99	0.15%
$1,000 - $2,499.99	0.20%
$2,500 - $4,999.99	0.30%
$5,000 - $9,999.99	0.35%
$10,000+	0.45%

Find answers to the top E-Checking questions

Q. Can I pay bills online with the E-Checking account?
A. Yes. Just sign up for online bill pay. It’s free.

Q. How do I deposit money with Nationwide Bank?
A. Nationwide Bank has more than 70,000 surcharge-free ATMs. Use our ATM locator to find one near you that accepts deposits. You can also transfer funds from another account or mail a deposit to us. Our address is:

Nationwide Bank
P.O. Box 182049
Columbus, OH 43218-2049

Q. How do I avoid the monthly service fee?
A. There are 2 ways to avoid the monthly service fee:

Sign up for at least 1 direct deposit each month and use your debit card 8 times each month; or
Keep a combined total of $10,000 or more in your Nationwide Bank deposit accounts. These include checking, savings or money market accounts.

Q. What ATMs can I use with my account?
A. Your Nationwide Bank ATM/debit card gives you access to more than 70,000 surcharge-free ATMs within the Allpoint, PNC Bank, Alliance One and MoneyPass ATM networks. Use our ATM locator to find an ATM near you.

Q. Does Nationwide Bank offer mobile banking?
A. Yes. You can download our mobile banking app here. Once it’s installed and activated, you can bank by SMS/text, mobile app or mobile web.

Q. Can I get overdraft protection for this checking account?
A. Yes. You can use one or more linked savings accounts to cover overdrafts on your E-Checking account.

Q. Are checks included with the account?
A. No. However, checks can be ordered separately at a cost.

Q. Do any of your accounts include a free debit card?
A. Yes. All of our checking accounts include a Visa^® debit card with no monthly service fee.

Q. Do any of your accounts have funds transfer?
A. Yes. All of our checking, savings and money market accounts include money transfer services. You can use this free service to transfer funds between your Nationwide Bank accounts and your accounts with other banks.

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Nationwide Mutual Insurance Company, Nationwide Mutual Fire Insurance Company, Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company and Nationwide Investment Services Corporation are affiliates of Nationwide Bank. The insurance products and services offered through these affiliates of Nationwide Bank are not insured by the FDIC or any federal government agency, nor are they guaranteed by, deposits of or obligations of Nationwide Bank. The products and services offered through Nationwide Investment Services Corporation are subject to investment risk, including possible loss of value.

Programs (including, without limit, fees, rates and features) are subject to change without notice.

Nationwide Bank, Member FDIC, is a federally chartered savings bank. Nationwide Bank is an Equal Credit Opportunity Lender.

Nationwide On Your Side Federal Deposit Insurance Corporation