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.

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