Personal Checking Accounts
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For complete listing of services, rates, fees, and restrictions, please contact any customer service representative.
Explore Personal Checking Accounts
Free Checking Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | None | $0 | None |
- Number of checks written per month: Unlimited.
- When you have direct deposit on regular payroll check, receive a free one time order of checks.
- Checks are not included with the monthly statement.
- Account closing fee $25.00, if closed within 181 days of opening.
- For additional fees, see Miscellaneous Fees and Charges.
Regular Checking Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | $500/day $1000/month |
$9 $0/min* |
None |
- Number of checks written per month: Unlimited.
- Monthly account service charge $9.00 (*To avoid monthly maintenance fee, maintain a minimum daily balance of $500.00 or a minimum average monthly balance of $1,000.00).
- Account closing fee $25.00, if closed within 181 days of opening.
- For additional fees, see Miscellaneous Fees and Charges.
Economy Checking Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | $100 | $4/month | None |
- Up to 15 checks or withdrawals per statement cycle free, and $0.45 for each additional check or withdrawal.
- Account closing fee $25.00, if closed within 181 days of opening.
- For additional fees, see Miscellaneous Fees and Charges.
Student Checking Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | None | $4/month | Yes |
- Must be full time student.
- Number of checks written per month: Unlimited.
- Account closing fee $25.00, if closed within 181 days of opening.
- For additional fees, see Miscellaneous Fees and Charges.
Max Checking Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | $1000 | 0 | Yes |
- Number of checks written per month: Unlimited.
- Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
- Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
- Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.
- If you close your account before interest is credited, you will not receive the accrued interest.
- Monthly account service charge $9.00 (*To avoid monthly maintenance fee, maintain a minimum daily balance of $1,000.00).
- Account closing fee $25.00, if closed within 181 days of opening.
- For additional fees, see Miscellaneous Fees and Charges.
Senior Checking Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | None | 0 | Yes |
- Minimum age of 55 or older to open the Senior Club Checking Account.
- Number of checks written per month: Unlimited.
- Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
- Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
- Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.
- If you close your account before interest is credited, you will not receive the accrued interest.
- Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Account closing fee $25.00, if closed within 181 days of opening.
- For additional fees, see Miscellaneous Fees and Charges.
Interest Checking Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | $500/day $1000/month |
$9 $0/min* |
Yes |
- Number of checks written per month: Unlimited.
- Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
- Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
- Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.
- If you close your account before interest is credited, you will not receive the accrued interest.
- Monthly account service charge $9.00 (*To avoid monthly maintenance fee, maintain a minimum daily balance of $1,000.00).
- Account closing fee $25.00, if closed within 181 days of opening.
- For additional fees, see Miscellaneous Fees and Charges.
Deluxe Club Checking Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | * | ** | Yes |
- Number of checks written per month: Unlimited.
- *To open this account, you must have $10,000.00 combined daily balances in a checking account, or a Savings account, or a Money Market Account, or CD’s or IRA’s or have a $15,000.00 outstanding balance on a line of credit or loan to open this account.
- **Monthly account service charge $15.00 (In the event the combined daily balance in the account falls below $10,000.00 in a checking account or a Savings account or $10,000.00 in a Money Market Account or CD’s or IRA’s or have a $15,000.00 outstanding balance on a line of credit or loan).
- Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
- Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
- Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.
- If you close your account before interest is credited, you will not receive the accrued interest.
- Account closing fee $25.00, if closed within 181 days of opening.
- Interest Rate: APY = Annual Percentage Yield.
- For additional fees, see Miscellaneous Fees and Charges.
Personal Money Market Account
| Opening Deposit |
Minimum Balance |
Monthly Service Fee |
Interest |
|---|---|---|---|
| $100 | $1000 | $0/min* | Yes |
- Frequency or rate changes: At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
- Monthly account service charge $8.00 (*To avoid monthly service charge, maintain a minimum daily balance of $1,000.00).
- Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account monthly.
- If you close your account before interest is credited, you will not receive the accrued interest.
- Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance.
- Account closing fee $25.00, if closed within 181 days of opening.
- Minimum balance to obtain the annual percentage yield disclosed: Tiered rates based on balance.
- For additional fees, see Miscellaneous Fees and Charges.