Checking Accounts
FOR MANY PEOPLE, a checking account is the most frequently used financial service. We offer free checking, traditional checking and interest-bearing checking (NOW) accounts and checking accounts for businesses and nonprofit organizations. We emphasize accuracy, personal attention and reasonable fees. No matter what your needs, we have a checking account that is right for you.
Our free checking accounts offer basic checking services, including free checks, at no cost. Our traditional checking accounts add additional services, such as images of checks that clear your account with your monthly statement, at no or low cost, depending on your monthly minimum balance. NOW accounts give larger depositors the opportunity to combine the interest-earning capabilities of a savings account with the conveniences of a checking account.
We also offer checking accounts to meet the needs of all sizes and types of business and nonprofit organizations. Contact our New Accounts today for more information.
Free ATM and/or Visa check cards are available for our checking accounts. ATM cards and Visa check cards allow access to our 24-hour ATM network. Visa check cards are widely accepted and eliminate the need for check approvals; purchases are automatically deducted from your checking account.
Our new account representatives can assist you in selecting the checking accounts that best suit your financial needs and lifestyle. Remember, with us you can relax knowing your deposits are insured to the maximum amount allowable by Federal Deposit Insurance Corporation (FDIC).
If you are interested in opening a checking account with us, visit one of our Banking Locations. Federal regulations require that you present a drivers license and Social Security card to open a new account. New customers will be asked to complete an information sheet. For your convenience, PDF versions of our information sheets may be downloaded below and completed prior to your visit to one of our locations.
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Personal Information Sheet (individuals)
Business Information Sheet (businesses)
Our checking account options are listed below. You may click on the name of the account to view a detailed disclosure of interest, fees and account terms if available.
Individual Checking Accounts
- Available to all individuals
- Initial deposit of only $100
- Free checking for senior citizens (age 62+)
- Maintenance fee of $10 with minimum balance of less then $300
- Check images returned with statements
- Free direct deposits
- Free ATM and Visa check cards
Free* Checking Accounts
- Available to all individuals
- Initial deposit of only $100
- No maintenance fee
- Check images not returned with statements
- Free checks (depending on style)
- Free direct deposits
- Free ATM and Visa check cards
NOW Accounts
- Available to individuals, sole proprietorships, nonprofit organizations and public entities
- Initial deposit of only $1,000
- Interest paid on collected balances of $1,000 or more
- Maintenance fee of $15 with minimum balance of less than $1,000
- Check images returned with statements
- Free direct deposits
- Free ATM and Visa check cards
Truncated* NOW Accounts
- Available to all individuals
- Initial deposit of only $500
- Interest paid on collected balances of $500 or more
- Maintenance fee of $15 with minimum balance of less than $500
- Check images not returned with statements
- Free direct deposits
- Free ATM and Visa check cards
Health Savings Accounts (HSA)
- Available to individuals and families with high deductible health plans
- Interest bearing
- No minimum balance
- No maintenance fee
- Free direct deposits
- Free VISA check card
- Maximum annual contributions:
- Individuals - $2,900
- Families - $5,800
Non-Profit Accounts
- Available to nonprofit organizations
- Initial deposit of only $100
- Maintenance fee of $4 with minimum balance of less than $300
- Check images returned with statements
Business Checking Accounts
- Available to all businesses
- Service charge varies with amount of activity
- Check images returned with statements
- Free Visa check cards
- May be linked to a sweep account to invest excess funds
Small Business Checking Accounts
- Available to all small businesses
- No service charge with minimum balance of $500 or more
- Service charge with minimum balance of less than $500 of $5 and $0.20 per account deduction
- Check images returned with statements
- Free Visa check cards
*Check images not returned with statements
Contact New Accounts for more information.
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