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Every new personal checking account includes:Free Debit Card, Free Online Banking, Free Bill Pay, Free Mobile Banking with Mobile Deposit, Free Card Guard, Free Estatements, Free thank you gift and we will buy back your unused checks and debit cards from another financial institution.

Refer a friend.  If they open a new checking account they will get the gift and so will you!

To earn a higher rate of interest, will you always keep more than $1,500 in your checking account?

YesNo

Will you make six or more withdrawals from your savings account each month?

YesNo

Will there be anyone 50 years or over signing on this account?

YesNo

Will you always keep more than $5,000 in your savings account?

YesNo

Does anyone plan to have direct deposit or an automatic payment with this account?

YesNo
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Simply Free Checking

A free account for everyone!

  • No minimum balance
  • No monthly service charge
  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
Learn More
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Direct Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment!

  • Competitive interest (Rates at bottom of page)
  • No minimum balance
  • No monthly service charge
  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
Learn More
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50 Plus Interest Checking

A perfect account for customers 50 and over!

  • Free personalized basic check styles
  • Competitive interest (Rates at bottom of page)
  • No minimum balance
  • No monthly service charge
  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
Learn More
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Premium Interest Checking

An account for those interested in higher interest!

  • Free personalized basic check styles
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500 (Rates at bottom of page)
  • Only $8 monthly charge if minimum balance falls below $1,500
  • Free Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
Learn More

Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, consecutive days overdraft fees, etc. may apply. See the fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Offer good on personal accounts only; ask us about our outstanding options for your business or organization.

Checking Account Rates

Checking Accounts Rates Last Updated: May 15, 2024

Account NameMinimum Opening DepositMinimum Balance Required to Earn APY (a)Interest RateAPY (a)
Account Name
Simply Free Checking
Minimum Opening Deposit
$50.00
Minimum Balance Required to Earn APY (a)
N/A
Interest Rate
N/A
APY (a)
N/A
Account Name
50 Plus Interest Checking (b)
Minimum Opening Deposit
$50.00
Minimum Balance Required to Earn APY (a)
N/A
Interest Rate
0.10%
APY (a)
0.10%
Account Name
Direct Interest Checking (b)
Minimum Opening Deposit
$50.00
Minimum Balance Required to Earn APY (a)
N/A
Interest Rate
0.05%
APY (a)
0.05%
Account Name
Premium Interest Checking (b) (d)
Minimum Opening Deposit
$50.00
Minimum Balance Required to Earn APY (a)
$0.00 to $1,499.99
$1,500.00 or more
Interest Rate
0.05%
0.15%
APY (a)
0.05%
0.15%
Account Name
Simply Free Business Checking
Minimum Opening Deposit
$50.00
Minimum Balance Required to Earn APY (a)
N/A
Interest Rate
N/A
APY (a)
N/A
Account Name
Business Interest Checking (b) (d)
Minimum Opening Deposit
$50.00
Minimum Balance Required to Earn APY (a)
N/A
Interest Rate
0.10%
APY (a)
0.10%
Account Name
HSA Checking (b)
Minimum Opening Deposit
$50.00
Minimum Balance Required to Earn APY (a)
$100.00 to $249.99
$250.00 to $999.99
$1,000.00 to $4,999.99
$5,000.00 & Over
Interest Rate
0.05%
0.05%
0.05%
0.25%
APY (a)
0.05%
0.05%
0.05%
0.25%

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