Personal Checking Accounts

We offer both interest-earning and free checking accounts. They include a free first order of checks, debit card, free online banking, mobile banking, and telephone banking access. Optional extras include overdraft protection, multiple ways to make deposits, and free electronic statements.

  Interest Checking Open  Free Checking Open 
Open Account with as little as $100 $25
Pays Interest When you maintain an average daily balance of $500 or more Does not pay interest
APY (Annual Percentage Yield) / Interest Rate 0.55% / 0.55% Does not pay interest
Monthly Maintenance Fee $10 none
Balance to avoid fee $500 average daily balance none
ATM Surcharge Rebate Up to $10.00 per month none
Bill Payment Free, unlimited
(optional enrollment)
$4.95 per month
(optional enrollment)
Checks (after first order) Cost based on selection
Non-Sufficient Funds $30.00 per occurrence
Overdraft Fee $30.00 per item
Uncollected Funds Fee $30.00 per item
Checks $5.00 per item
Statements $3.00 per item
For further details, refer to the Schedule of Fees Common to All Personal Accounts

Rates last updated 05/21/2014. Rates are subject to change on any day and will be updated by 10 AM Eastern. Please be sure to check this page after 10 AM Eastern for the rate that will be honored today. Fees may reduce earnings on account. The period used to calculate interest is monthly. The period used to calculate average daily balance is monthly.