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Personal Checking Accounts

Regular Checking:

For those customers wanting to keep it simple, try our Regular checking account. With an average daily balance of $500.00 or more, there is no service charge. With an average daily balance of less than $500.00, you pay a service charge of $6 per statement cycle. A $50 initial deposit is required to open this account.


NOW Checking Account:

Your NOW Account will earn tiered rate of interest adjusted weekly. If the average balance falls below $1,000.00, your account is subject to a $6 service charge, but your interest still accrues daily for each day that the minimum balance requirement is met, and is paid monthly. Please call for current interest rates for your NOW account.


Priority Checking:

This checking account is free with a direct deposit registered to the account. You are allowed 30 checks per month with a $1 fee per check after 30. Debit card available with approval. You are allowed unlimited debit card & ACH transactions. This account also gives you access to our Online Banking & Bill Payment features. A $50 minimum deposit is required to open the account.


Club:

You can enjoy all our bank services when you join our Club account. This includes free personalized checks, $10,000 accidental death insurance, discount on Safe Deposit Boxes, and Cashier’s checks at no issue charge. Your Club account also gives you access to our Online Banking & Bill Payment features. There is no minimum balance required, and you pay a membership fee of $8 per statement cycle.


Club 50 Gold:

For our customers 50 or over, we offer our Club 50 Gold account. This account offers the same benefits as our Club account with a membership fee of $5.


Money Market Investment Accounts:

A Money Market Investment Account will earn a tiered rate of interest adjusted weekly. If the average balance falls below $1,000.00, your account is subject to a $6 service fee. Interest will be compounded monthly and credited to your account every statement cycle. A maximum of six covered transactions per month are allowed. A minimum deposit of $2,500.00 is required to open this account.


Special Checking Accounts:

Church, Civic and Service group checking accounts are not subject to service charges. Any full-time student (primary through college), is entitled to a no service charge regular checking account with access to Online Banking & Bill Payment features.


Automatic Transfer:

You can authorize automatic regularly scheduled transfers of money from your checking account to help build savings, or to pay loans. It's the easier way and it's free.


Direct Deposit:

We can automatically deposit your regular social security and retirement checks, military or corporate, directly into your account for your security and convenience. Ask us for the necessary authorization forms.