Personal Checking & Savings

Click on the "more" button to learn more about each account below.

Account Type Monthly Maintenance Fee Balance to Avoid Maintenance Fee Interest Bearing
Free Checking
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$0.00 N/A No

Free Checking
This account offers a checking account with no restrictions or fees.

  • No minimum balance
  • No monthly service charge
  • No image statement with 3 free image lookups per month
  • Unlimited check writing
  • No annual fee for ATM or Visa® Check Card
Regular Checking
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$8.00 $300.00 Avg. Daily Balance No

Regular Checking
This account offers a variety of services for one monthly fee.

  • Monthly service charge $8.00
  • A $300.00 average daily balance is required to avoid the service charge
  • Unlimited check writing
  • Monthly image statement for easy record keeping
  • No annual fee for ATM or Visa® Check Card
Student Checking
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$0.00 N/A No

Student Checking
This account offers a variety of free services to full time students.

  • No minimum balance
  • No monthly service charge
  • Discounted personalized checks (styles limited)
  • No image statement with 3 free image lookups per month
  • Unlimited check writing
  • No annual fee for ATM or Visa® Check Card
Senior Checking
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$0.00 N/A No

Senior Checking
This account offers a variety of free services to anyone 55 or older.

  • No minimum balance
  • No monthly service charge
  • Discounted personalized checks (styles limited)
  • Monthly image statement for easy record keeping
  • Unlimited check writing
  • No annual fee for ATM or Visa® Check Card
Interest First Checking
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$8.00 $300.00 Daily Balance or $500.00 Avg. Monthly Balance** Yes $300.00 Minimum

Interest First Checking
This account offers interest with freedom to write checks.

  • Monthly service charge $8.00
  • A $300.00 daily or $500.00 average cycle balance is required to avoid the service charge
  • Unlimited check writing
  • Monthly image statement for easy record keeping
  • No annual fee for ATM or Visa® Check Card
  • Earn variable rate of interest paid at statement cycle
  • Interest earned on balances of $300.00 and over
Insured Money Market Fund*
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$8.00 $1,000.00 Daily Balance** Yes $1,000.00 Minimum

Insured Money Market Fund
This account offers a higher rate of interest with a limit on withdrawals.

  • Monthly service charge $8.00
  • A $1,000.00 daily balance is required to avoid the service charge
  • Transactions are limited by Regulation to 6 pre-authorized debits, automatic transfers or telephone transfers per monthly statement cycle.
  • Earn variable rate of interest at statement cycle
  • Interest earned on balances of $1,000.00 and over
CheckPlus+ Club Checking
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$8.00*** N/A Yes, as applies to Interest Checking

CheckPlus+ Club Checking
This account offers a variety of benefits for a low monthly fee.

  • Monthly service charge starts at $8.00*
  • No minimum balance required
  • Interest option available
  • Free Personalized Checks (styles limited)
  • Free Travelers Checks
  • Free Cashiers Checks
  • Free Photocopies
  • Free Notary Service
  • Free first year rent on Safe Deposit Box
  • Accidental Death and Dismemberment Insurance
  • Discounts on Travel, Motel, Eyewear & Car Rental Rates
  • 5% rebate on Installment Loan Interest
  • No annual fee for ATM or Visa® Check Card

*Insurance plans:

  • Basic - $10,000 Accidental Death Insurance... $8.00 monthly service charge
  • Personal - $20,000 Accidental Death Insurance... $9.00 monthly service charge
  • Family - $30,000 Accidental Death Insurance... $10.00 monthly service charge
Statement Savings*
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$0.00 N/A Yes $10.00 Minimum

Statement Savings
A savings account, that earns a competitive rate of interest.

  • No monthly service charge
  • No minimum balance required
  • Interest earned on balances of $10.00 or more
  • Earns variable rate of interest, compounded daily and paid quarterly
  • Transactions are limited by Regulation to 6 pre-authorized debits, automatic transfers or telephone transfers per monthly statement cycle.
  • No annual fee for ATM
Christmas Club Savings
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$0.00 N/A Yes $10.00 Minimum

Christmas Club Savings
This account offers interest with the savings for Christmas expenses.

  • No monthly service charge
  • No minimum balance required
  • Earns daily rate of interest, paid at maturity
  • Interest earned on balances of $10.00 or more
  • Direct deposits
  • Book deposits
  • Check at maturity
  • Direct deposit of check to checking or savings at maturity
Signature Money Market Account*
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$8.00 $75,000 Daily Balance** Yes $75,000.00 Minimum

Signature Money Market Account*
A signature account that offers a higher rate of interest with a limit on withdrawals.

  • Monthly service charge $8.00
  • A $75,000.00 daily balance**
  • Transactions are limited by Regulation to 6 pre-authorized debits, automatic transfers or telephone transfers per monthly statement cycle.
  • Truncated statement with 3 free image look-ups per month.
  • Free checks – limited styles.
  • Earn variable rate of interest at statement cycle
  • Interest earned on balances of $75,000.00 and over
Health Savings Account
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$0.00 N/A Yes $500.00 Minimum

Health Savings Account
A checking account, that earns a competitive rate of interest for all your health savings needs.

  • No monthly service charge or setup fee
  • No minimum balance required
  • Interest earned on balances of $500.00 or more
  • Earns variable rate of interest at statement cycle
  • Truncated statement with 3 free image look-ups per month.
  • Free checks – limited style
  • Health Savings Debit Card available

* Limit on withdrawals
**See More Info section for details
***Fee based on Insurance plan chosen

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