Our checking accounts are all about options.
Do you write a lot of checks each month or just a few? Do you keep a little extra cushion in your account at all times or do you run pretty tight each month? We've created different checking accounts from eChecking to Senior Citizens. You can choose the product that's right for you.
CHECK RE-ORDER
Checking Accounts
| eChecking | Select Checking | Senior Checking | Commercial Checking | |
|---|---|---|---|---|
| If you want | Modern conveniences and limited charges Free Features include Online Banking, Mobile App and Remote Capture | Our most popular full featured account! IDProtect®, Cell Phone Insurance Up to $400*, Credit File Monitoring2*, Check Images Free Features include Online Banking, Mobile App and Remote Capture | Benefits from being 65 years old or older Free Features include Online Banking, Mobile App and Remote Capture | Business Account |
| Minimum balance to open | $50 | $100 | $25 | $100 |
| Minimum balance required to avoid maintenance fee | No minimum | $1,000 | None | N/A |
| Monthly maintenance fee | $3 | $7 with eStatements $10 without eStatements | None | Based on volume of activity and balance |
| Earn Interest | No | No | No | No |
| Other Components | Must receive only eStatements. Must buy checks. | Statements include document images. Must buy checks. Registration required for some credit monitoring benefits. | Must buy checks. | An earnings credit will be calculated based on average collected balance during statement cycle to reduce service charge. |
| Eligibility | Must sign up for eStatements | All Depositors | Depositors 65 years and older | Businesses |
Interest Bearing Checking Accounts
| Gold Star Interest Bearing | Super Now | |
|---|---|---|
| If you want | Unlimited checking | Interest account |
| Minimum balance to open | $1,000 | $2,000 |
| Minimum balance required to avoid maintenance fee | $500 | $2,000 |
| Monthly maintenance fee if minimum balance required is not met | $10 each statement cycle if the balance drops below $500 | $15 each statement cycle if the balance drops below $2,000 |
| Withdrawal fee (if applicable) | $0 | $0.25 for each debit transaction in excess of 20 withdrawals during a statement cycle |
| Other Components | You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. | You must maintain a minimum balance of $2,000.00 in the account each day to obtain the disclosed annual percentage yield. |
| Eligibility | Individuals, sole proprietorships, non-profit organizations, government entities | |
*Registration/Activation Required
**Cellular Telephone Protection1 OR Cell Phone Protection1 Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Maximum of two claims per year. Covers the first four phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid through this account)
Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit.
2Credit file monitoring from Experian, Equifax, and TransUnion will take several days to begin following activation.