Personal Checking Accounts

Accounts designed for you.
*Minimum Daily Balance
  Minimum Opening Deposit Interest Bearing Unlimited Transactions Monthly Service Fee Balance Required to Waive Monthly Fee*
Free Checking $100      
Basic Checking $100   $7.50  
Interest Checking $1,500 $10.00 $1,500
Senior Select (Age 55 and Older) $100 $5.00 $500
Money Market $2,500   $12.00 $2,500
Money Market Plus $10,000   $15.00 $10,000
Money Max $25,000   $25.00 $25,000
Health Savings Account (HSA) $100      

 

 

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  • Free Checking

    Hassle free account with no minimum balance requirement and no monthly service fee*.

    • No Minimum Balance Requirement
    • Unlimited Monthly Transactions
    • Free Online/Mobile Banking
    • Free Online Bill Pay
    • Ready Reserve Line of Credit (with credit approval)
    • Monthly E-Statements
    • ATM or Debit Card Available
    • 24 Hour Phone Banking
  • Basic Checking

    A non-interest bearing, traditional household account for your basic checking needs.

    • $7.50 Monthly Service Fee*
    • Unlimited Monthly Transactions
    • Online/Mobile Banking
    • Free Online Bill Pay
    • Ready Reserve Line of Credit (with credit approval)
    • Monthly E-Statements with Images
    • ATM or Debit Card Available
    • 24 Hour Phone Banking
  • Interest Checking

    Earn a competitive interest rate with unlimited transactions.

    • $1,500 Minimum Daily Balance to avoid Monthly Service Fee
    • $10.00 Monthly Service Fee if Balance falls below $1,500
    • Unlimited Monthly Transactions
    • Free Online/Mobile Banking
    • Free Online Bill Pay
    • Ready Reserve Line of Credit (with credit approval)
    • Monthly E-Statements with Images
    • ATM or Debit Card Available
    • 24 Hour Phone Banking

    Please call 800-460-6678 for current rates.

  • Senior Select

    A full-service, interest bearing checking account for customers age 55 and older.

    • $500 Minimum Daily Balance to avoid Monthly Service Fee
    • $5.00 Monthly Service Fee if Balance falls below $500
    • Unlimited Monthly Transactions
    • Free Online/Mobile Banking
    • Free Online Bill Pay
    • Free Bank Stock Checks
    • 10% Discount on Safe Deposit Box Rental
    • Free Cashier's Checks and Money Orders
    • No-Fee Travelers Checks (Single Signer)
    • Ready Reserve Line of Credit (with credit approval)
    • Monthly E-Statements with Images
    • ATM or Debit Card Available
    • 24 Hour Phone Banking
  • Money Market

    Maintain access to your funds while earning a competitive interest rate.

    • Interest Bearing Account
    • Daily balance below $2,500 will not earn interest
    • $2,500 Minimum Daily Balance to avoid Monthly Service Fee
    • $12.00 Monthly Service Fee if Balance falls below $2,500
    • Up to 6 Free Withdrawals Monthly
    • Transaction Fee of $10.00 per Withdrawal in Excess of 6 per month
    • Free Online/Mobile Banking
    • Monthly E-Statements with Images
    • 24 Hour Phone Banking

    Please call 800-460-6678 for current rates.

  • Money Market Plus

    A tiered rate account offering a competitive interest rate for excess funds.

    • Interest Bearing Account
    • $10,000 Minimum Daily Balance to avoid Monthly Service Fee
    • $15.00 Monthly Service Fee if Balance falls below $10,000
    • Up to 6 Free Withdrawals Monthly
    • Transaction Fee of $10.00 per Withdrawal in excess of 6 per month
    • Free Online/Mobile Banking
    • Monthly E-Statements with Images
    • 24 Hour Phone Banking

    Please call 800-460-6678 for current rates.

  • Money Max

    A limited transaction checking account for consumers who desire liquidity and a competitive interest rate for excess funds.

    • Interest Bearing Account
    • $25,000 Minimum Daily Balance to avoid Monthly Service Fee
    • $25.00 Monthly Service Fee if Balance falls below $25,000
    • Up to 6 Free Withdrawals Monthly
    • Transaction Fee of $10.00 per Withdrawal in excess of 6 per month
    • Free Online/Mobile Banking
    • Monthly E-Statements with Images
    • 24 Hour Phone Banking

    Please call 800-460-6678 for current rates.

  • Health Savings Account (HSA)

    The Health Savings Account (HSA) is a tax advantage custodial account established exclusively for the purpose of paying and reimbursing qualified medical expenses for you or your family.

    • Interest Bearing Account
    • Enrollment fee of $25
    • No Monthly Service Fee*
    • Deposits may be Tax Deductible
    • Up to 6 Free Withdrawals Monthly
    • Transaction Fee of $10.00 per Withdrawal in excess of 6 per month
    • 10 Free Starter Checks
    • HSA Debit Card Available
    • Free Online/Mobile Banking
    • Monthly E-Statements with Images
    • 24 Hour Phone Banking


    To be eligible for an HSA, you must be covered by a qualified High Deductible Health Plan (HDHP) through your employer or insurance provider and meet the following requirements.

    • Be covered by an HSA-qualified High Deductible Health Plan (HDHP)
    • Must not be covered by other health insurance that is not an HDHP
    • May not be enrolled in Medicare Part A or B
    • May not be claimed as a dependent on another individual's federal income tax return


    Eligibility for an HSA is determined by Federal Law. It is your responsibility to ensure you are eligible. Contact your tax professional to determine potential tax advantages.

    Please call 800-460-6678 for current rates.

*The Fee referenced above may not include additional transactional fees that may be incurred by the Customer or Account as part of specific requested activities or events. Examples include Overdraft Fees, ACH Transfer Fees, Wire Transfer Fees, Cashier Check Fees, as well as other requests from our Customers that may not be covered under the base fee referenced above. Please see our Fee Schedule for additional information.