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Personal Checking
We offer several accounts, from basic needs to those with preferred rates of interest.
All of our checking accounts offer these features:
- Basics
- Free Debit Card
- Monthly Statement
- FDIC Insurance up to $250,000
- $50 Minimum to Open
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- Conveniences
- Free e-statements
- Free Internet B@nking
- Free Online Bill P@y
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- Perks
- Reduced Rates on New Installment Loans with ACH Deduction1
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Why pay for checking? This checking account pays you.
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Premium Interest Checking
Earn competitive rates of interest with this account.
- Preferred interest rate on balances greater than $2,500
- Unlimited check writing and debit card use
- No monthly service charge if $1,000 balance maintained (otherwise $8)
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Advantages @Work Checking
This interest-bearing account is available to employees of participating companies.
- No minimum balance
- No monthly service charge
- Free ATM use nationwide (our fees waived)3
- Free first order of bank-stock checks
- Unlimited check writing
- Free single-signature American Express Traveler’s Cheques or official checks
- Free one-year rental of small safe deposit box (new rentals)4
- Higher CD rates
- Discounted mortgage closing costs
- Rate discounts on new installment loans with automatic payment
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Economy Interest Checking
Instead of a monthly fee, this account allows you to pay as you go for the checks you write.
- Competitive interest rate
- No minimum balance
- No monthly service charge
- Only $.20 per check
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VIP Interest Checking
Enjoy free checking and interest earnings when you sign up for direct deposit or automatic loan payments.
- Competitive interest rate
- No minimum balance
- No monthly service charge
- Unlimited check writing and debit card use
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No Minimum Interest Checking
There’s no minimum balance requirement for this account, and it comes with free checks, interest earnings and unlimited check writing privileges.
- Competitive interest rate
- Free bank-stock checks for life
- No minimum balance
- Unlimited check writing and debit card use
- Low $4 monthly service charge
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Low Minimum Interest Checking
With just a low minimum balance, you can earn competitive interest on your money.
- Competitive interest rate
- Unlimited check writing and debit card use
- No monthly service charge if $400 balance maintained (otherwise $6)
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50+ Free Interest Checking
This account is free and offers interest for anyone age 50 and up.
- Competitive interest rate
- No minimum balance
- No monthly service charge
- Unlimited check writing and debit card use
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Totally Free Checking5
This account is free, flexible and convenient.
- No minimum balance
- No monthly service charge
- Unlimited check writing and debit card use
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Advantages @ School Checking
This free account is ideal for students age 16 and up.
- No minimum balance
- No monthly service charge
- No opening deposit when opened at a participating school
- Free ATM use nationwide (our fees waived)3
- Free first order of bank-stock checks
- Unlimited check writing and debit card6 use
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1 Does not include residential mortgage loans.
2 To earn 4.01% Annual Percentage Yield (APY), a balance of $.01 to $25,000 required. A balance of more than $25,000 earns 1.01% APY. If requirements are not met in a qualifying cycle, 0.10% APY will apply to all amounts, with no ATM fee refunds. $50 opening deposit required. One automatic deposit or payment to or from your account or use of Bill P@y; enrollment in and receipt of electronic statements; and 10 completed debit card purchases required per qualifying cycle for 4.01% APY. Unlimited nationwide ATM refunds. APY available beginning 01-19-10. Rate is subject to change without notice. Offer available for personal accounts only.
3 Other institutions’ fees may apply.
4 Subject to availability.
5 If a Totally Free Checking account has no activity for 60 days, it is converted to a No Minimum Interest Checking account and is subject to corresponding terms of service.
6 Signed approval from an adult is required for students age 16-18 to obtain a debit card.
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