Checking Accounts

Easy Checking

Ideal for customers who do not want to maintain a large balance, who utilize limited check writing and do most
of their banking with a debit card, using our Free Online Banking & Bill pay or at the ATM. In other words, they
have gone “green” and electronic banking is a good fit!

  • $100 minimum deposit to open an account
  • No minimum balance requirement
  • No monthly service charge
  • Write 10 checks/paper debits per monthly statement at no charge, then only 33¢ each after 10
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Free electronic statements
  • Paper statement available $2.25 per month

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

Classic Checking

This account offers a blend of new technology and classic banking features for those who write an average number of checks.

  • $100 minimum deposit to open an account
  • $8 monthly service charge is waived with $1,500 average daily balance
  • Write 50 checks/paper debits per monthly statement at no charge, then only 23¢ each after 50
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Free electronic statement
  • Paper statement available $2.25 per month

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

Platinum Checking

Designed for valued customers who want the simplicity of a consistent service charge and who enjoy extra benefits. Perfect for customers who like quick and easy statement balancing and appreciate extra benefits!

  • $100 minimum deposit to open an account
  • No minimum balance requirement
  • $7 monthly service charge – electronic statement
  • $9 monthly service charge – paper statement
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Unlimited check writing
  • Free personalized checks
    • No quantity on Custom Creation wallet or duplicate checks
    • $8 discount on other check designs or styles(top or end stub)
  • Free Safe Deposit Box
    • 3 x 3 size (or comparable)
    • Optional $8 discount on larger Safe Deposit Box annual rental fee

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

CommonCents Checking

Finally…some Common Cents! This account is for customers who like the ease of using a debit card plus earn interest on their checking account.

It is easy to qualify! Most account holders already meet the following monthly qualifications*:

  • Have at least 15 debit card purchases (POS) post and clear per statement
  • Have at least 1 ACH Direct Deposit or automatic payment post and clear per statement

Once qualifications are met:

  • Earn up to $15.00 per statement! You receive 10¢ each swipe after the first 15 POS debit card purchases.
  • Earn interest each day the account balance is $10,000 or more.
  • ATM fee reimbursements up to $4.99 per transaction not to exceed $10 per statement

$100.00 Minimum Deposit to open an account
No minimum balance requirement
No monthly service chanrge

  • Unlimited electronic transactions (ACH, ATM, POS)
  • Unlimited check writing
  • Free electronic statement
  • Paper statement available $2.25 per month

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

Available to personal consumer accounts only; one per Social Security Number

*Qualifying transactions must post and clear the account each monthly statement. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Only debit card transactions processed by merchants and received by the bank as POS transactions count towards qualifying debt card transactions. Intra-bank transfers do not count as qualifying ACH transactions. Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions.

ATM Fee reimbursements up to $4.99 per transaction not to exceed $10.00 per statement if qualifications are met.

Interest Rates may change after account opening and fees may reduce earnings.

Prosperity Checking

Life gets better with age…And so does banking! Enjoy the ease and comfort of everyday banking with added benefits to meet your financial needs. It is easy to qualify. If you are age 60 and older and have at least one direct deposit per month this may be your account.

$100.00 Minimum Deposit to open an account

  • No minimum balance requirement
  • No monthly service charge
  • Requires one direct deposit per month
  • Unlimited check writing
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Free – choice of electronic or paper statement
  • Free personalized Custom Creation wallet or duplicate checks – limit two (2) orders per year

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

Consumer accounts only – no sole-proprietorships. One account per social security number.

Interest NOW Checking

Earn a competitive interest rate while enjoying unlimited check writing! Keeping a moderate balance allows the service charge each statement to be waived. Individuals, Sole Proprietorships*, Non-Profit Organizations and governmental agencies all qualify for a NOW account.

$100.00 Minimum Deposit to open an account

Interest Rate equal to Tier One Money Market Rate. See Current Rate Chart

  • $8 monthly service charge waived with $2,500 average daily balance
  • Unlimited Checks per monthly statement
  • Unlimited electronic transactions (ACH, ATM, POS)
  • Free electronic statement
  • Paper statement available $2.25 per month

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay

Money Market

Some customers seek an interest bearing account with few transactions. Our MMDA tiered interest allow you to improve your earnings as your balance increases. Contact one of our convenient locations to obtain information about our interest tiers.

  • $1500 minimum deposit to open an account
  • $15 monthly service charge is waived with $3500 average daily balance
  • Free personalized checks – limit one order per year
  • Free – choice of electronic or paper statement
  • Unlimited in-person or ATM withdrawals

Reg D Limitations: All Money Market accounts are limited by federal law to no more than 6 checks/debits per month. However, “in-person” withdrawals, transfers or ATM transactions are unlimited! If a customer exceeds the allowable number of transactions three times within a 12 month rolling period their account will be converted to a demand deposit (non interest bearing) account that does not have transaction restrictions.

Ask how you can take advantage of the following services available with our deposit products.

  • Debit card
  • Online banking
  • Mobile banking
  • Bill pay