Essential Checking: A Fresh Start for Your Finances
At Langley, we believe that banking should be accessible to everyone. Essential Checking is perfect for those who are working to build their credit, designed to help manage your money - no matter where you are on your financial journey.
Get Paid Early
Set up direct deposit and access your paycheck up to 3 days sooner—giving you faster access to your hard-earned money.
Monitor Your FICO Score
Stay on top of your credit with free access to your FICO Score, updated monthly to help you track your financial health.
Access Spend Analysis
Gain insight into your spending habits with our Spend Analysis tool, designed to help you budget smarter and save more.
Maintenance Fee Reimbursement2
Have your $5 monthly fee reimbursed by using your Langley debit card or logging in to digital banking once every month.
Digital Issuance
Get Your New Card Instantly
No more waiting for your card to arrive by mail. With instant digital card issuance, you can access your new debit or credit card immediately after approval. Simply add it to your digital wallet—like Apple Pay® and Google Pay™—and start making secure purchases online or in-store right away. Fast, convenient, and designed to keep up with your life. Learn More.
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Open your Essential Checking account today and take the next step towards a brighter financial future!
Schedule an Appointment Visit A Branch
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New membership requires $5 deposited into a Langley savings account.
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$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 fee will be reimbursed each month when you use your Langley debit card or log in to Online Banking once every month.
The Essential Checking account is only available to members within the limited service area of Hampton Roads MSA, Surry County, VA, Richmond-Petersburg, VA MSA, and Raleigh-Durham-Chapel Hill, NC MSA. Minimum to open an Essential Checking account is $20. $5 monthly service charge applies. The service charge will be reimbursed each month when you use your Langley debit card or log in to Digital Banking once every month. The following features are not available with this account: ATM deposits, remote deposit capture, and external transfers in Digital Banking. Check acceptance limitations may also apply.
Eligible checking or savings account required to use Zelle®. Transactions sent to enrolled users typically occur in minutes.
Zelle and the Zelle marks used herein are trademarks of Early Warning Services, LLC.