Personal Checking Accounts

We offer several accounts, from basic needs to those with preferred rates of interest. All of our checking accounts offer these features:

  • Basics
  • Free Debit Card
  • Monthly Statement
  • FDIC Insurance up to $250,000
  • $50 Minimum to Open
    • Conveniences
    • Free e-statements
    • Free Internet B@nking
    • Free Online Bill P@y
    • Perks
    • Reduced Rates on New Installment Loans with ACH Deduction1

    General AccountsApply Now!

    Totally Free Checking4
    This account is free, flexible and convenient.
    • No minimum balance
    • No monthly service charge
    • Unlimited check writing and debit card use
    Advantages @ School Checking
    This free account is ideal for students age 16 and up.
    • No minimum balance
    • No monthly service charge
    • No opening deposit when opened at a participating school
    • Free ATM use nationwide (our fees waived)2
    • Free first order of bank-stock checks
    • Unlimited check writing and debit card5 use
    1 Does not include residential mortgage loans.
    2 Other institutions’ fees may apply.
    3 Subject to availability.
    4 If a Totally Free Checking account has no activity for 60 days, it is converted to a No Minimum Interest Checking account and is subject to corresponding terms of service.
    5 Signed approval from an adult is required for students age 16-18 to obtain a debit card.

    Preferred Interest-Bearing AccountsApply Now!


    Why pay for checking? This checking account pays you.
    Premium Interest Checking
    Earn even higher rates of interest with this account.
    • Preferred interest rate on balances greater than $2,500
    • Unlimited check writing and debit card use
    • No monthly service charge if $1,000 balance maintained (otherwise $8)
    Advantages @Work Checking
    This interest-bearing account is available to employees of participating companies.
    • No minimum balance
    • No monthly service charge
    • Free ATM use nationwide (our fees waived)2
    • Free first order of bank-stock checks
    • Unlimited check writing
    • Free single-signature American Express Traveler’s Cheques or official checks
    • Free one-year rental of small safe deposit box (new rentals)3
    • Higher CD rates
    • Discounted mortgage closing costs
    • Rate discounts on new installment loans with automatic payment

    Competitive Interest-Bearing AccountsApply Now!

    Economy Interest Checking
    Instead of a monthly fee, this account allows you to pay as you go for the checks you write.
    • Competitive interest rate
    • No minimum balance
    • No monthly service charge
    • Only $.20 per check
    VIP Interest Checking
    Enjoy free checking and interest earnings when you sign up for direct deposit or automatic loan payments.
    • Competitive interest rate
    • No minimum balance
    • No monthly service charge
    • Unlimited check writing and debit card use
    No Minimum Interest Checking
    There’s no minimum balance requirement for this account, and it comes with free checks, interest earnings and unlimited check writing privileges.
    • Competitive interest rate
    • Free bank-stock checks for life
    • No minimum balance
    • Unlimited check writing and debit card use
    • Low $4 monthly service charge
    Low Minimum Interest Checking
    With just a low minimum balance, you can earn competitive interest on your money.
    • Competitive interest rate
    • Unlimited check writing and debit card use
    • No monthly service charge if $400 balance maintained (otherwise $6)
    50+ Free Interest Checking
    This account is free and offers interest for anyone age 50 and up.
    • Competitive interest rate
    • No minimum balance
    • No monthly service charge
    • Unlimited check writing and debit card use


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    Personal Services
    Checking Accounts
    Savings, CDs, & IRA Options
    Convenience Banking
    Personal Loans
    Mortgages
    Banking for Life Events
    Other Services


    Resource Center

    » Debit Card Overdraft Protection

    » Report a Lost or Stolen Debit Card

    » Credit Card Access

    » Reorder Checks

    » How to Prevent Identity Theft

    » Calculators

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