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Checking Accounts

We give you a choice of free checking, as well as several affordable checking accounts. Each account has been specially designed to meet a variety of needs. Our commitment to offer the most complete service at the lowest possible cost is reflected in the checking alternatives available. Select the checking account that’s best for you!


Free Checking

Ideal for those who want free, unlimited check writing without worrying about maintaining a minimum balance.

  • No minimum balance requirement
  • No monthly service fee
  • Unlimited check writing
  • Low $300 minimum opening deposit
  • No charge for online banking, ATM access, 24-hour telephone banking
  • No monthly fee for ATM/debit card
  • Checkmate Overdraft Courtesy*
  • Imaged items available ($15/mo. or $2/item)
  • Additional Fees

*Subject to terms and conditions of the bank


A great basic account with unlimited check writing and a low minimum balance requirement.

  • Unlimited check writing
  • Free image statement
  • $500 minimum daily balance waives $7 monthly service fee and $0.15 per debit greater than 20 (or select a flat fee of $9 month)
  • Low $25 minimum opening deposit
  • No charge for online banking, ATM access, 24-hour telephone banking, notary service.
  • No monthly fee ATM/debit card
  • Checkmate Overdraft Courtesy*
  • Free $2,000 Accidental Death Insurance**
  • Additional Fees

*Subject to terms and conditions of the bank
**Insurance is:

  • NOT A DEPOSIT
  • NOT FDIC-INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • SUBJECT TO A DECREASE IN VALUE

Premium Checking

The perfect account combining interest, value,and convenience.

  • Unlimited check writing
  • Free image statement
  • $700 minimum daily balance to earn interest and waive $8 monthly service fee & $0.15 per debit greater than 20
  • $700 minimum balance to open
  • No charge for online banking, ATM access, 24-hour telephone banking, notary service, medallion service, and up to 5 official checks or money orders monthly.
  • No monthly fee ATM/debit card
  • Free financial review ($300 value)
  • Checkmate Overdraft Courtesy*
  • Free $2,000 Accidental Death Insurance**
  • Interest will be compounded daily and will be credited monthly to account.
  • Interest rate may change daily
  • The daily balance method is used for calculation of interest. This method applies a daily periodic rate to the principal in the account each day
  • Interest begins to accrue on the business day items are deposited.
  • Additional Fees

*Subject to terms and conditions of the bank
**Insurance is:

  • NOT A DEPOSIT
  • NOT FDIC-INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • SUBJECT TO A DECREASE IN VALUE

Lifetime Account

‘specially for those who have celebrated 50 or more birthdays…

  • Select from any of the personal checking account choices (Free, Essential, Premium, or Premier) and enjoy all the benefits without a service charge or maintenance fee. Minimum daily balances apply in order to earn interest

Gold Money Market Account

Recommended for the customer who makes limited monthly transactions, requires accessibility to a higher balance, and:

  • Tiered Account ($10M/$25M/$50M/$75M/$100M+)
  • Higher balance = Higher interest rate
  • $10,000 minimum balance to open
  • Avoid $15 service charge by maintaining $10,000 minimum daily balance
  • Earn interest at Premium Checking rate if balance falls below minimum
  • Up to 3 checks & 3 preauthorized transfers per month ($10 per item excess withdrawal fee)***
  • Interest will be compounded daily and will be credited monthly to account.
  • Interest rate may change daily
  • The daily balance method is used for calculation of interest. This method applies a daily periodic rate to the principal in the account each day
  • Interest begins to accrue on the business day items are deposited.
  • Additional Fees

Platinum Money Market Account

The ultimate money market account.

Tiered Acct

  • Tier I : $250,000-$499,999
  • Tier II : $500,000-$999,999
  • Tier III : $1,000,000 and above
  • Higher balance = Higher interest rate
  • $250,000 minimum balance to open
  • No maintenance or service fee
  • Interest reduced 75 basis points if minimum balance falls below $250,000
  • Up to 3 checks & 3 preauthorized transfers per month ($10 per item excess withdrawal fee)***
  • Interest will be compounded daily and will be credited monthly to account.
  • Interest rate may change daily
  • The daily balance method is used for calculation of interest. This method applies a daily periodic rate to the principal in the account each day
  • Interest begins to accrue on the business day items are deposited.
  • Additional Fees
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