Checking Products

Rewards Checking Account
You’ll love to earn CD-like rates and receive free ATMs nationwide with our Rewards Checking Account!

To earn the Rewards Rates and receive refunds on your ATM fees and surcharges, simply meet the following requirements each qualification cycle:

• Complete and post at least 12 debit card purchases (excluding ATM transactions)
  
• Complete and post one ACH direct deposit or debit
  
• Maintain a valid e-mail address
  
• Receive a monthly e-statement

When you meet the requirements each qualification cycle, you will receive refunds on your ATM fees and surcharges, and this account will function as a tiered rate account. The interest rate and annual percentage yield you earn will be determined by your account balance according to the tiers shown below:

• $0.00 - $25,000.00
  
• $25,000.01 or more

If you do not meet the requirements each qualification cycle, your account will still remain a free checking account, and you will earn the base interest rate and annual percentage yield.
Other features of this account include:

• No minimum balance requirements and no monthly service charge
• You must deposit $50 to open this account.
  
• Your account also gives you access to a number of FREE benefits, including Online Bill Pay, Mobile Banking*, Online Banking, e-statements, and email and text message alerts*.

*You may be subject to fees and charges assessed by your mobile carrier.

Free Checking Account
This account gives you unlimited check writing and no monthly service charge.
The features of this account include:

• No monthly service charge
  
• No minimum balance requirements
  
• Unlimited check writing
  
• Free paper statement each cycle
• You must deposit $50 to open this account.
• Your account also gives you access to a number of FREE benefits, including Mobile Banking*,
  Online Banking, e-statements, and email and text message alerts*.
  (Additional fees apply to the Bill Pay service.)

*You may be subject to fees and charges assessed by your mobile carrier.

Club Checking Account
If you are looking for an account that has a variety of benefits for a low monthly fee, then this is the account for you.

For a monthly service charge of $7 per month, you’ll enjoy these benefits:

• Free personalized wallet style checks
  
• No minimum balance requirements and unlimited check writing
  
• Earn the current Club Checking Account interest checking rate and annual percentage yield on the account balance. For current rate information, please contact one of our banking offices.
  
• Free paper statement each cycle
• You must deposit $50 to open this account.
  
• Free online Bill Pay service (with active bill pay account)

• Your account also gives you access to a number of FREE benefits, including Mobile Banking*, Online Banking, e-statements, and email and text message alerts*.

*You may be subject to fees and charges assessed by your mobile carrier.

Business Checking Account
We understand that running a business can be a challenge. That’s why our business checking account is the perfect account for any business owner.

• Maintain a minimum daily balance of $500 to avoid the $10 monthly service charge.
  
• Receive up to 800 debits and/or credits each statement cycle at no charge. This includes all checks, deposits and any deposited items, ACH debits and credits, automatic transfers, debit card transactions, etc. A fee of $0.25 will be charged for each item in excess of 800 per statement cycle.
  
• Your account also gives you access to a number of FREE benefits, including Mobile Banking*, Online Banking, e-statements, and email and text message alerts*.

*You may be subject to fees and charges assessed by your mobile carrier.

Business Interest Checking Account
If you want the conveniences of check-writing abilities and the earnings power of a savings account, then this is the account for you.

• Maintain a minimum daily balance of $500 to avoid the $10 monthly service charge.
  
• Receive up to 800 debits and/or credits each statement cycle at no charge. This includes all checks, deposits and any deposited items, ACH debits and credits, automatic transfers, debit card transactions, etc. A fee of $0.25 will be charged for each item in excess of 800 per statement cycle.
  
• Earn the current interest checking rate and annual percentage yield on the account balance. For current rate information, please contact one of our banking offices.
  
• Your account also gives you access to a number of FREE benefits, including Mobile Banking*, Online Banking, e-statements, and email and text message alerts*.

*You may be subject to fees and charges assessed by your mobile carrier.

Business Analysis Checking Account
If your business has a high volume of transactions and large amount of funds on deposit, then we have the solution.

Your Business Analysis Checking account will have the following features:

• A $15 monthly service charge
  
• No minimum balance requirement
  
• A fee of $0.10 will be charged for each item processed during the statement cycle. This per item fee applies to all checks, deposits and any deposited items, ACH debits and credits, automatic transfers, debit card transactions, etc.
  
• You will receive an earnings credit that will be calculated by applying the earnings credit rate to your average daily balance for the monthly statement cycle. The earnings credit will offset your service charges and item fees. The earnings credit cannot exceed your total service charges and item fees. The earnings credit is equal to the 3-month T-bill rate as published in the Wall Street Journal. The earnings credit rate may change.
  
• Your account also gives you access to a number of FREE benefits, including Mobile Banking*, Online Banking, e-statements, and email and text message alerts*.

*You may be subject to fees and charges assessed by your mobile carrier.