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 (Direct Deposit Required)
  • Early Payday Deposits (Direct Deposit Required)
  • Over 55,000 ATMs

Monthly Maintenance Fee Reimbursement: While this account has a $5 monthly maintenance fee, you have the opportunity to have the monthly fee reimbursed by using your Langley debit card or logging in to online banking once every month.


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

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

Control Your Debit Card with Ease

In Online Banking and Langley’s Mobile app, you can control your card, including:

  1. Lock or unlock your card if it is lost or stolen
  2. Set alerts and controls on transactions or card balance
  3. Set-up travel notices when you go on vacation

We place everything you need to safeguard your debit card in one app. Enroll in Online Banking or download Langley’s Mobile app now!

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!

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 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.