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!

    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
    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


    » Privacy & Security



    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

    » Contact Us

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