Personal Checking

Checking accounts to fit your lifestyle.

COMPARE ACCOUNTS

Features

All of our Personal Checking Accounts below include FREE access to the following features and services.

Free E-Statement with images
Free Online Banking
Free Mobile App with Remote Deposit
Free Instant Issue Debit Card*
Free Bill Pay
Free Touch-Tone Banking
Free Direct Deposit

Interested in opening an account? Fill out our Account Inquiry form today!

Account Options

Privileges Checking

No Minimum Balance Requirements after opening deposit
Unlimited Transactions
Two Free Stop Payments per Year
$6.00 Monthly Service Charge

*Hot Card and replacement fees apply.

Interest Checking

No Monthly Service Charge if Minimum Daily Balance is $1,000 or above.
$10 Service Charge if Minimum Daily Balance Falls below $1,000.
Earns Interest **
Minimum Average Daily Balance to Earn Interest is $1,000.
Unlimited Transactions.

* Hot card and replacement fees apply.
** Interest rate paid on this account is subject to change without further notice. Current rates available upon request.

Advantage Plus Checking

55 Years and Older to Qualify
Earns Interest **
No Minimum Balance Requirements after opening deposit
Unlimited Transactions
Ten Free Money Orders per Month
Free Box per Year of Advantage Plus Wallet Checks

* Hot card and replacement fees apply.
** Interest rate paid on this account is subject to change without further notice. Current rate available upon request.

Traditional Checking

No Minimum Balance Requirements after opening deposit
Unlimited Transactions

Some fees may apply.

*Hot card and replacement fees apply.

Rewards Checking

No Minimum Balance Requirements after opening deposit
Unlimited Transactions
Earns Interest**
ATM Fees Refunded***

*Hot card and replacement fees apply.

**Interest rate paid on this account is subject to change without further notice. Current rates available upon request.

***Refund all ATM fees up to $20.00 (with qualified account)

Restrictions Apply:

4.50% APY* paid on balances up to $15,000. Any balance over $15,000 will earn an interest rate of .25% APY*. If requirements are NOT met at any time during the statement cycle, the interest rate drops to .01% APY* on the entire balance in account and there will be no ATM refunds. Ask one of our CSR’s for more details.

High Interest Requirements: A minimum TOTAL of $200 in ACH credits or a minimum TOTAL of $200 in ACH debits per statement cycle. Sign into Free online banking once per statement cycle. Must enroll and receive Rewards e-statements. 12 debit card transactions must post and clear during the statement cycle (ATM transactions excluded). If requirements are NOT met anytime during the statement cycle, interest rate drops to .01% APY and there will be no ATM refunds.

*Annual Percentage Yield

Compare Accounts

Accounts	Privileges Checking	Interest Checking	Advantage Plus Checking	Traditional Checking	Rewards Checking
Minimum to Open	$100	$100	$100	$50	$100
Free E-Statement with images	X	X	X	X	X
Free Optional Paper Statement	X	X	X	$4/mo.	NA
Monthly Service Charge	$6	See "more Info" below	None	None	None
$10,000 Accidental Death Insurance **(1)	X	None	None	None	None
Cell Phone Protection*** (1,2)	X	None	None	None	None
ID Protect-Identity Theft Protection Service****(3)	X	None	None	None	None
Discount on annual rent for Safe Deposit Box (where available)	X	None	X	None	None
More Information	More Info	More Info	More Info	More Info	More Info

**Coverage divides equally on joint account and reduces by 50% at age 70.
***Cell telephone bill must be paid through this account.
****Registration and activation required.
(1)Special Insurance Program Notes:
The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Insurance certificate provided at account opening.
(2) Cell telephone bill must be paid through this account.
(3) IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).
Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employee/students. Some of the benefits of IDProtect require registration/activation.
Insurance products are not a deposit; not FDIC insured; not an obligation of the bank; and not guaranteed by the bank or any affiliated entity.