Personal Checking Accounts
Every new personal checking account includes: Free Debit Card, Free Online Banking, Free Bill Pay, Free Mobile Banking with Mobile Deposit, Free Card Guard, Free Estatements, Free thank you gift and we will buy back your unused checks and debit cards from another financial institution.
Refer a friend. If they open a new checking account they will get the gift and so will you!
Simply Free Checking
A free account for everyone!
- No minimum balance
- No monthly service charge
Direct Interest Checking
Earn interest with the convenience of direct deposit or any automatic payment!
- Competitive interest (Rates at bottom of page)
- No minimum balance
- No monthly service charge
50 Plus Interest Checking
A perfect account for customers 50 and over!
- Free personalized basic check styles
- Competitive interest (Rates at bottom of page)
- No minimum balance
- No monthly service charge
Premium Interest Checking
An account for those interested in higher interest!
- Free personalized basic check styles
- Higher interest rate with a balance of $1,500 or more
- Competitive interest if balance falls below $1,500 (Rates at bottom of page)
- Only $8 monthly charge if minimum balance falls below $1,500
Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, consecutive days overdraft fees, etc. may apply. See the fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Offer good on personal accounts only; ask us about our outstanding options for your business or organization.
Checking Accounts Rates
| Account Type | Minimum Opening Deposit | Minimum Balance Required to Earn APY (a) | Interest Rate | APY (a) |
|---|---|---|---|---|
| Simply Free Checking | ||||
| 50 Plus Interest Checking (b) | ||||
| Direct Interest Checking (b) | ||||
| Premium Interest Checking (b) (d) | $1,500.00 or more | 0.15% | 0.15% |
|
| Simply Free Business Checking | ||||
| Business Interest Checking (b) (d) | ||||
| HSA Checking (b) | $250.00 to $999.99 $1,000.00 to $4,999.99 $5,000.00 & Over | 0.05% 0.05% 0.25% | 0.05% 0.05% 0.25% |
|
| Effective Date: 09-20-2023 (c) |
a. APY refers to Annual Percentage Yield. Annual Percentage Yield assumes interest will remain on deposit.
b. The Interest Rate and Annual Percentage Yield (APY) may change after account opening.
c. Interest Rates and APYs are accurate as of the noted effective date and are subject to change without notice.
d. Fees and Service Charges can reduce the earnings on an account.
e. A penalty will be imposed for early withdrawal.
f. Rate Protection – This 4 year certificate offers maximum protection against fluctuating interest rates. If rates increase, you can adjust your rate up to the current rate offered for the remaining term of your CD….and you can adjust it up twice! Your rate can never go lower than the initial rate or the rate you have adjusted up to.
