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Personal

Checking Accounts

  1. "Will there be anyone 50 years or over signing on this account?"
  2. "Does anyone plan to have direct deposit or an automatic payment with this account?"
  3. "Do you always keep more than $2,500 in your checking account?"



Account TypeOpening DepositMinimum Balance to Avoid Service ChargesMonthly Service ChargeUnlimited Check WritingInterest Bearing
FREE Checking
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$50$0$0YesNo
VIP FREE Checking Plus Interest
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$50$0$0YesYes
50+ FREEdom Checking Plus Interest
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$50$0$0YesYes
Preferred Rate Checking
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$50$1,000$10 if balance falls below $1,000YesYes - higher rate with a balance of $2,500 or more

Preferred Rate Checking - An account for those wanting higher interest!

  • Higher interest rates with a balance of $2,500 or more
  • No per check charge
  • Unlimited check writing  
  • FREE Internet Banking/Bill Payment & Visa Check Card
  • Only $10 monthly maintenance fee if minimum balance falls below $1,000

50+ FREEdom Checking Plus Interest - For customers 50 and better!

  • Competitive interest rate
  • No minimum balance
  • No monthly maintenance fee 
  • No per check charge
  • Unlimited check writing
  • FREE Internet Banking/Bill Payment & Visa Check Card

VIP FREE Checking Plus Interest - Checking with the convenience of direct deposit or any automatic payment!

  • Competitive interest rate
  • No minimum balance
  • No monthly maintenance fee
  • No per check charge
  • Unlimited check writing
  • FREE Internet Banking/Bill Payment & Visa Check Card

FREE Checking - An account for everyone!

  • No minimum balance
  • No monthly maintenance fee
  • No per check charge
  • Unlimited check writing
  • FREE Internet Banking/Bill Payment & Visa Check Card

Offer good on personal accounts only; business and corporate accounts do not qualify for these accounts. Bank rules and regulations apply. Minimum opening deposit is only $50. Ask us for details. All new accounts are verified through ChexSystems.


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