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Personal Checking Accounts

We offer a variety of personal checking accounts to fit your banking needs.

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All of our Personal Checking Accounts include:

  • Free Internet Banking
  • Free Mobile Banking
  • Free Online Bill Pay
  • Free Debit Card

Take a look at our Comparison Chart for a side by side view.

Compare Personal Checking Accounts

For more information or to open an account, please contact us today. Our New Accounts representatives are ready to help!

Account TypeInterest BearingMonthly Service ChargeKey Features
Personal Checking Options

Advantage Checking

No

$8.00 with e-statements
$10.00 with paper statements

Classic Advantage Checking (customers age 62 or older)

No

$3.00 with e-statements

$5.00 with paper statements

Combined Classic Checking Features and Advantage Checking Features

(see more details)

Basic Checking

No

$5.00 with e-statements, $7.00 with paper statements

 
  • Can also waive monthly service fee with a deposit relationship with us of $15,000.00

Classic Checking

No

None

  • For customers age 62 or older
  • 1 Free box of checks per year and discounted rate for additional boxes

Super Now Checking

Yes

$7.00 with e-statements
$9.00 with paper statements

  • Debit card
  • Internet banking

Money Market Checking

Yes

$8.00 with e-statements
$10.00 with paper statements

  • Debit card
  • Internet banking

Advantage Checking

Requirements

  • You must deposit $100.00 to open this account

Service Charge

  • $8.00 if you receive only E-Statements
  • $10.00 if you receive paper statements

Features

  • Unlimited check writing
    You do not incur a per check fee
  • Debit Card
    Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
  • Debit Card Transactions
    We do not charge a fee if you use our ATMs.
  • One Box of “Advantage Checking” checks
    You will receive one box of Advantage Checks at no charge per calendar year.

Advantage Checking Additional Perks

  • $30,000.00 AD&D Insurance
    You have Accidental Death or Dismemberment insurance (AD&D), split between the account signers, and $1,500.00 AD&D on each dependent child. $100,000.00 AD&D Common Carrier Insurance/$3,000.00 on dependent children.
  • Total Identity Monitoring
    You may enroll in one free membership (SEPARATE ENROLLMENT REQUIRED) for daily credit file monitoring, with email alerts, fraud alerts, credit score tracking and more.  (Optional - other memberships available at a 25% discount)
  • Vision Care Savings
    You can save 10% to 60% on vision care. (This is not insurance)
  • Shopping, Travel and Entertainment Discounts
    Save up to 50% on brand name product, movies and travel, by phone or online. See brochure for details. Hotel/Motel and car rental discounts are also included.
  • Life Steps Living Family Journal
    estate organizing software

Basic Checking

Requirements

  • You must deposit $100.00 to open this account

Service Charge

  • $5.00 if you receive only E-Statements
  • $7.00 if you receive paper statements
  • You can avoid the monthly service charge
    if you maintain a daily balance of $500.00 during the statement cycle or have a deposit relationship in other accounts with us of at least $15,000.00.

Features

  • Unlimited check writing
    You do not incur a per check fee
  • Debit Card
    Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
  • Debit Card Transactions
    We do not charge a fee if you use our ATMs.

Classic Checking

Requirements

  • Customers of age 62 or older
  • You must deposit $100.00 to open this account

Service Charge

  • No monthly service charge

Features

  • Unlimited check writing
    You do not incur a per check fee
  • Debit Card
    Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
  • Debit Card Transactions
    We do not charge a fee if you use our ATMs.
  • One box of "Classic Checking checks
    You will receive one free box of “Classic” checks per calendar year, then a discounted rate on additional
    boxes.

Super Now Checking

Requirements

  • You must deposit $100.00 to open this account

Service Charge

  • $7.00 if you receive only E-Statements
  • $9.00 if you receive paper statements
  • Your monthly service charge will be waived if
    you maintain a daily balance of $750.00 or a minimum average daily balance of $2,500.00 for the monthly statement cycle.
  • An excessive debit charge fee of $.15 will be
    charged for each debit transaction in excess of 35 during a statement cycle.

Features

  • Interest Bearing Account
  • Interest Rate
    Rate and Annual Percentage Yield (APY) are determined at our discretion. We may change the interest rate and APY on your account at any time. View latest interest rate.
  • Interest Earned
    The interest earned on this account will be compounded monthly and added back to the account each month. 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. Interest begins to accrue on the business day that you deposit noncash items (for example, checks).
  • Debit Card
    Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
  • Debit Card Transactions
    We do not charge a fee if you use our ATMs.

Money Market Checking

Requirements

  • You must deposit $100.00 to open this account

Service Charge

  • $8.00 if you receive only E-Statements
  • $10.00 if you receive paper statements
  • Your monthly service charge will be waived
    if you maintain a minimum daily balance of $2,500.00 during the monthly statement cycle.
  • Transfers from this account to another account or to third parties by preauthorized, automatic, computer, or telephone transfer, or by check, draft, debit card, or similar order to third parties are limited to six (6) per calendar month.
  • An excessive debit fee of $5.00 will be charged per debit in excess of six (6) debits per calendar month.

Features

  • Interest Bearing Account
  • Interest Rate
    Rate and Annual Percentage Yield (APY) are determined at our discretion. We may change the interest rate and APY on your account at any time. View latest interest rate.
  • Interest Earned
    The interest earned on this account will be compounded monthly and added back to the account each month. 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. Interest begins to accrue on the business day that you deposit noncash items (for example, checks).
  • Debit Card
    Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
  • Debit Card Transactions
    We do not charge a fee if you use our ATMs.

 

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