Everyday
Checking & Savings
One account for spending, one for saving, both with no monthly fee and no overdraft fee. Move money between them instantly.
No monthly fee, ever
No minimum balance, no maintenance fee, no dormancy fee.
4.35% APY savings
Earned on the whole balance, with the rate shown everywhere.
No overdraft fee
We decline the transaction instead of charging you.
55,000+ fee-free ATMs
Halden charges nothing at in-network ATMs nationwide.
Who it's for
Anyone who wants a straightforward everyday account that pays a real rate on savings and never charges a surprise fee.
| At a glance | |
|---|---|
| Monthly fee | $0 |
| Minimum to open | $0 |
| Savings APY | 4.35% (variable) |
| Checking APY | 0.10% (variable) |
| Overdraft fee | $0 |
| Foreign transaction fee | $0 |
APY as of 1 September 2026 and may change after account opening. See the full rates and fees.