Essential Checking

Everyone deserves a checking account.

Learn more about Spend 'n' Save

Essential checking is perfect for people working to improve their credit score. Get started on your path to financial success.

Our Langley Essential Checking Account, which requires direct deposit to open; is designed for members who may have not qualified for checking before, or are just starting to build their credit.

Essential Checking features:

  • Online Banking
  • Bill Payment
  • Mobile Banking
  • Debit Card
  • Early Payday Deposits (With Direct Deposit)
  • Over 55,000 ATMs

To set up direct deposit and open an Essential Checking account:

Schedule a Phone Appointment. Or Call 757-827-5328.

Early Payday Deposit

Members who have a Langley checking account and Direct Deposit may see their paycheck deposited up to three days earlier than other financial institutions!

Earn Cash Back with a Langley Checking Account

When you make self-directed payments on your auto loan through an active Langley checking account, we will rebate 10% of the interest paid monthly into your primary Langley savings account[1]. Members have saved upwards of $180+ annually from timely loan payments through their Langley checking account.

Minimum to open an Essential Checking account is $20.

$5 monthly service charge applies. Restrictions on the account include: No Service Center Access, No ATM deposits, No Online Banking ACH origination, and No Mobile Check Deposit capability. Check acceptance restrictions apply.

The Essential Checking account is only available to members within the limited service area of Hampton Roads MSA and Surry County, VA.

[1] Self-directed payments include automatic transfers set up in-branch or in Online Banking and payments transferred from your Langley checking account through Online Banking. Active Langley Checking Account includes any checking account where your payroll is deposited and pay monthly expenses. Cannot be combined with any other offers. Limited time offer.