Personal Checking Accounts


Personal Smart Checking

A low-cost, full-service account that is well-suited for a low to moderate account balance. Personal Smart Checking offers the perfect combination of convenience and cost-effectiveness to managing your finances.

Minimum Opening Balance - $100

-Cost-effective product
-No minimum balance required to avoid monthly service charge
-Unlimited check writing with no per check fees
-Free 24/7 Telephone Banking
-Free Online Banking/Bill Payment
-Access to any ATM in the world with no surcharge


Senior Checking

If you are 55 years old or older, you are qualified to open a Senior Checking Account. Senior Checking is an interest-earning checking account with unlimited check writing, and offers a full range of online services and other benefits.

-Minimum Opening Balance - $100
-55 years or older
-Maintain a daily minimum balance of $500, or make a payroll or social security direct deposit during the statement cycle to avoid a monthly service charge. Otherwise, a $3 monthly service charge will apply

-Earn interest based on a tiered rate
-One free standard check order (200 checks) at the time of account opening
-Unlimited check writing with no per check fees
-Free 24/7 Telephone Banking
-Free Online Banking/Bill Payment
-Access to any ATM in the world with no surcharge


Personal Interest Checking

Enjoy full access to your funds while earning interest. This account is best fit for individuals that maintain a high account balance or want to maximize interest earning on the account.

-Minimum Opening Balance - $100
-Maintain a daily minimum balance of $500, or make a payroll or social security direct deposit during the statement cycle to avoid a monthly service charge. Otherwise, a $3 monthly service charge will apply

-Earn interest based on a tiered rate
-Unlimited check writing with no per check fees
-Free 24/7 Telephone Banking
-Free Online Banking/Bill Payment
-Access to any ATM in the world with no surcharge