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What is My Banking?

Last updated October 2026

My Banking operates similarly to a standard checking and savings account but is entirely digital, meaning there are no physical branches and all account access occurs online. Checking accounts feature ATM access and include FDIC pass-through insurance coverage up to $250,000.00.

Why open a My Banking account?

  • ATM access with a checking account.
  • FDIC pass-through insurance on checking accounts, up to $250,000.00.
  • Earn interest with a CashBuilder account.
  • Mobile banking, including depositing checks with your phone.
  • Direct deposit into your account or My Wallet.
  • Bill Pay, to pay companies straight from My Wallet.

Ready to open an account?

See How do I open an account? and What is required to open an account online with Prisma?

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