Checking Accounts
Convenient and Competitive Banking From "Community People You Know"
Minimum Opening Balances
Checking Accounts $100.00 Interest Bearing Accounts $500.00
If the proposed depositor is a child of a checking or savings customer of the bank, they may open at a lesser amount of $50 on checking and $25 on savings.
Business Checking
- Maintenance fee of $4 per month plus $.14 per debit plus $.05 per transit item.
- $.14 credit given per $125 average monthly balance.
- No annual fee for Debit and ATM Card (replacement fee may apply if card is lost or stolen). Must be qualified customer.
Free Checking
- Minimum opening balance of $100.
- No images provided on monthly statements.
- Must use duplicate checks.
- Research check copies $20 per hour, one hour minimum.
- Debit card for qualified customers: $1.25 per month.
Regular Checking
- Free if balance is $750 or greater.
- Maintenance fee is $3 if balance is below $750 during statement cycle, $5 if balance is below $250 during statement cycle.
- No annual fee for Debit and ATM Card (replacement fee may apply if card is lost or stolen). Must be qualified customer.
Senior Citizen Checking
- Must be 50 years or older
- No charge checking with $100 average monthly balance or $3 monthly fee will apply if under $100 balance.
- No annual fee for Debit and ATM Card (replacement fee may apply if card is lost or stolen). Must be qualified customer.
Rewards Checking
- Set fee of $8 per month.
- Unlimited check writing.
- IdentityIQ Protect Pro.
- Identity Theft 911 service.
- Cell Phone Protection.
- Free $20,000 accidental death & dismemberment insurance.
- Travel, dining, shopping discounts and more.
- Prescription drug discounts.
- Free standard wallet checks.
- Free money orders and cashier checks.
- No annual fee for Debit and ATM Card (replacement fee may apply if card is lost or stolen). Must be qualified customer.
Rewards 50 (NOW)
- Must be 50 years or older.
- Set fee of $5 per month or free if balance is greater than $250.
- Tiered interest earned on account balances of $750 or more.
- Unlimited check writing
- IdentityIQ Protect Pro.
- Identity Theft 911 service.
- Free $20,000 accidental death & dismemberment insurance.
- Travel, dining, shopping discounts and more.
- Prescription drug discounts.
- Free standard wallet checks.
- Free money orders and cashier checks.
- No annual fee for Debit and ATM Card (replacement fee may apply if card is lost or stolen). Must be qualified customer.
Interest Bearing Checking*
- Set fee of $5 per month.
- Free if balance remains above $750.
- Interest tiered on balance above $1,000.
Money Market*
- Set fee of $5 per month. Free if balance remains above $750.
- Only 6 pre-authorized, automatic or telephone transfers allowed per statement cycle.
- Unlimited withdrawals and transfers in person.
- $2 activity charge after 10 withdrawals per month.
All fees and accounts may be subject to change.
