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Checking Accounts

Our checking accounts give you the flexibility to bank whenever and however you need to: in-person, on-the-go, or on the computer.

Click on an account to learn more:

Free Personal Checking

No strings attached - it's FREE!

Opening Deposit

$50

Monthly Service Charge

NONE

ATM/Debit Card

YES

Interest Bearing

NO

Account Description

Our Free Personal Checking account is perfect for your personal checking needs. All it takes is a $50 deposit to get started. There are no monthly service charges, no minimum balance, no activity fees, and it does not require direct deposit. This account comes with a supplied ATM/Debit card, making it easy to use it for everyday purchases around town and online. Need cash? Just visit one of the convenient ATMs, located at each of our branches.

  • No monthly service charge
  • No activity fees
  • No minimum balance required
  • No direct deposit required
  • Minimum opening deposit is $50.00

Open an account today by visiting any of our branches.

Commercial Checking

Opening Deposit

$100

Monthly Service Charge

$6*

ATM/Debit Card

NO

Interest Bearing

NO

*No monthly service charge with an average collected balance of $500 or above.

Account description

Unlimited check writing, if your average collected balance is $500.00 or above there is no service charge. If your balance drops below $500.00 a monthly service charge of $6.00 will be assessed. The minimum opening deposit is $100 and checks are available at the current price.

Open an account today by visiting any of our branches.

NOW Interest Rates

Opening Deposit

$1,100

Monthly Service Charge

$6*

ATM/Debit Card

YES

Interest Bearing

YES

Interest Rate

0.10%

Annual Percentage Yield

0.10%

*No monthly service charge with avg. collected balance of $1,100 or above.

Account description

Interest Rate and Annual Percentage Yield (APY) Effective as of June 20, 2017.
The convenience of a checking account while earning interest on qualifying balances is yours with the NOW. If your average collected balance is $1,100 or above, there is no monthly service charge. If your average collected balance falls below $1,100 there is a monthly service charge of $6. If your average collected balance is $1.00 or above you earn the current interest rate. This is a variable interest rate account. The interest rate may change after account opening.

The following are eligible to have a NOW account:

  • One or more individuals, including sole proprietors.
  • A not-for-profit organization operated primarily for religious, philanthropic, charitable, educational, political, or similar purposes.
  • A government unit of the United States, or any state, county, or municipality of the United States, or any United States territory or possession.
  • A fiduciary (either individual or corporate) if the beneficiary is otherwise eligible to maintain a NOW account.
  • Pension funds, escrow accounts, and security deposits if the entire beneficial interest is held by one of the eligible individuals or entities listed above.

This is a variable interest rate account. The interest rate may change after account opening. (fees may reduce earnings on account) Interest Rate and Annual Percentage Yield (APY) Effective as of June 13, 2017.

Other services provided according to special handling fee schedule

Visit one of our branches, or call us at (410) 548-7892.