East West Bank Senior Checking Account

Perfectly suitable for senior citizens, with many perks, including free checks, and automated telephone banking.

securely on the bank's website

Without monthly or check writing fees, East West Bank's Senior Checking might be a good option for those looking for a checking account with basic features, such as online and mobile banking, a debit card, free access to a large ATM network, and a dedicated customer service line.

While this is a checking account designed for seniors, you might find a better deal elsewhere, because there are other free checking accounts that come with more perks, and a lower minimum deposit to open requirement. 

Checking account details

Checking account fees

  • Monthly Fee
  • APY
  • Minimum Deposit to Open
  • Out-of-Network ATM Transaction Fee
  • Out-of-Network ATM Withdrawal Fee
  • Overdraft Fee
  • Non-Sufficient Funds Fee
  • Foreign Transaction Fee

East West Bank Senior Checking Account FAQ

1. How old do I need to be to open a Senior Checking account?

You need to be 62 or older.

2. Is there a savings account linked to this checking account?

Yes, East West Bank offers Senior Savings, a savings account with no monthly fees, no teller withdrawal limits, no deposit limits, and easy access to funds. There is also a $100 minimum opening deposits. Interest rates are variable, compounded daily, and credited monthly.

3. Does Senior Checking earn interest?

No, it is not an interest-bearing checking account, although you can open a Senior Savings account, which does earn interest, with variable rates.

4. Is there a safe deposit box?

Yes, as part of associated services, a safe deposit box can be requested.

5. Can I immediately use Online and Mobile Banking?

No, you need to enroll in Online Banking Services first. It is free of charge.

6. Can I make mobile deposits?

Using the East West Bank Mobile App, you can deposit money directly into your checking account. All you need to do is take photos of the front and back of your endorsed check using your phone or tablet camera. Mobile deposits are safe, and require no branch visits.

7. Are my deposits FDIC-insured?

Yes, all East West Bank deposit products are FDIC-insured.

8. How do I order checks?

You can order them online, but not through Mobile Banking, including via SMS, Mobile Web, Phone or Tables apps.

9. How do I request Overdraft Protection?

To set up Overdraft Protection, you need to visit a local East West Bank branch. The full list of branch locations is available on the East West Bank website. You can also contact their Customer Service Center at 888.895.5650.

10. Will I pay additional fees when I use my East West Bank Visa debit card?

While there are no other fees charged when you use your debit card, some regular fees may apply, such as foreign transaction fees when you make purchases outside the United States, or fees charged when you use out-of-network ATMs.

Check Out Other Products From East West Bank
Bank Monthly Service Charge Minimum Deposit to Open APY
East West Bank Value Checking Account $5 $100 0.00%
East West Bank Premier Checking Account $10 (can be waived / reduced) $100 n/a
East West Premier Maximizer Money Market Checking Account $12 (can be waived) $10,000 n/a
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Comerica Bank Comerica Platinum Circle Checking® $0 $50 0.10% / 0.25%