Personal Checking Accounts

We offer a variety of personal checking accounts to fit your banking needs.

All of our Personal Checking Accounts include:

Take a look at our Comparison Chart for a side by side view.

For more information or to open an account, please contact us today. Our New Accounts representatives are ready to help!

Personal Checking Options
Account Type	Interest Bearing	Monthly Service Charge	Key Features
Advantage Checking	No	$8.00 with e-statements $10.00 with paper statements	$30,000.00 AD&D Insurance (see more details) 1 free box of checks per year
Classic Advantage Checking (customers age 62 or older)	No	$3.00 with e-statements $5.00 with paper statements	Combined Classic Checking Features and Advantage Checking Features (see more details)
Basic Checking	No	$5.00 with e-statements, $7.00 with paper statements	Can also waive monthly service fee with a deposit relationship with us of $15,000.00
Classic Checking	No	None	For customers age 62 or older 1 Free box of checks per year and discounted rate for additional boxes
Money Market Checking	Yes	$8.00 with e-statements $10.00 with paper statements	Debit card Internet banking

Unlimited check writing
You do not incur a per check fee
Debit Card
Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
Debit Card Transactions
We do not charge a fee if you use our ATMs.
One Box of “Advantage Checking” checks
You will receive one box of Advantage Checks at no charge per calendar year.

$30,000.00 AD&D Insurance
You have Accidental Death or Dismemberment insurance (AD&D), split between the account signers, and $1,500.00 AD&D on each dependent child. $100,000.00 AD&D Common Carrier Insurance/$3,000.00 on dependent children.
Total Identity Monitoring
You may enroll in one free membership (SEPARATE ENROLLMENT REQUIRED) for daily credit file monitoring, with email alerts, fraud alerts, credit score tracking and more. (Optional - other memberships available at a 25% discount)
Vision Care Savings
You can save 10% to 60% on vision care. (This is not insurance)
Shopping, Travel and Entertainment Discounts
Save up to 50% on brand name product, movies and travel, by phone or online. See brochure for details. Hotel/Motel and car rental discounts are also included.
Life Steps Living Family Journal
estate organizing software

$5.00 if you receive only E-Statements
$7.00 if you receive paper statements
You can avoid the monthly service charge
if you maintain a daily balance of $500.00 during the statement cycle or have a deposit relationship in other accounts with us of at least $15,000.00.

Unlimited check writing
You do not incur a per check fee
Debit Card
Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
Debit Card Transactions
We do not charge a fee if you use our ATMs.

Unlimited check writing
You do not incur a per check fee
Debit Card
Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
Debit Card Transactions
We do not charge a fee if you use our ATMs.
One box of "Classic Checking checks
You will receive one free box of “Classic” checks per calendar year, then a discounted rate on additional
boxes.

$8.00 if you receive only E-Statements
$10.00 if you receive paper statements
Your monthly service charge will be waived
if you maintain a minimum daily balance of $2,500.00 during the monthly statement cycle.
Transfers from this account to another account or to third parties by preauthorized, automatic, computer, or telephone transfer, or by check, draft, debit card, or similar order to third parties are limited to six (6) per calendar month.
An excessive debit fee of $5.00 will be charged per debit in excess of six (6) debits per calendar month.

Interest Bearing Account
Interest Rate
Rate and Annual Percentage Yield (APY) are determined at our discretion. We may change the interest rate and APY on your account at any time. View latest interest rate.

Interest Earned
The interest earned on this account will be compounded monthly and added back to the account each month. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day that you deposit noncash items (for example, checks).
Debit Card
Your first Debit Card for each account signer will be with no issue fee. You will receive an automatic replacement of that card with no issue fee during the last week of the expiration month shown on the card. Any other requests for a new card will have a replacement fee.
Debit Card Transactions
We do not charge a fee if you use our ATMs.