Checking Accounts

Managing money has never been easier!

 

Always free features with all of our accounts

  • Free Visa® Check Card
  • Free Online Banking
  • Free Online Bill Pay
  • Free Telephone Banking
  • Free Overdraft Protection
 
 

Compare Our Personal Checking Accounts

Account & FeaturesPersonal CheckingFree CheckingSenior CheckingInterest-Bearing CheckingStudent Plastic Account

Minimum balance to open

$50

$50

$50

$1,000

$20

Minimum daily balance

$500

None

$500

$1,000

None

Monthly service fee (if balance falls below minimum)

$4/month
$.15/item

None

None

$8/month
No interest accrues

None

"Always Free" features

Visa® Check Card
Online Banking
Online Bill Pay
 Telephone Banking

Visa® Check Card
Online Banking
Online Bill Pay
Telephone Banking

Visa® Check Card
Online Banking
Online Bill Pay
Telephone Banking

Visa® Check Card
Online Banking
Online Bill Pay
Telephone Banking

Visa® Check Card
Online Banking
Online Bill Pay
Telephone Banking

*Bill Pay is not available to anyone under the age of 18

Statement choices

E-mail or paper statements
*with check images included

E-mail or paper statements
*check images not included

E-mail or paper statements
*with check images included

E-mail or paper statements
*with check images included

E-mail or paper statements
*with check images included

Other features

Unlimited
check writing

Unlimited
check writing

Unlimited
check writing
Free box of single carbonless ANB stock checks

Earn interest
Unlimited
check writing

Rewards $10 per Report Card if all requirements are met

NSF charges

$19 per item

$19 per item

$19 per item

$19 per item

$19 per item

Learn more about electronic check processing

Personal Checking

Get a basic checking account with no monthly service fee
(minimum balance required).

Account Features

  • Minimum Opening Deposit: $50
  • Average Daily Minimum Balance: $500
  • Monthly Service Fee*: $4.00 / month, $0.15 / item
  • Statement Choices: E-mail or paper statements**
  • Unlimited Check Writing
  • NSF Charges: $19 per item

*If balance falls below minimum
**Check images included

 

Free Checking

Take advantage of our FREE checking account option—no minimum
balance or monthly service fee

Account Features

  • Minimum Opening Deposit: $50
  • Average Daily Minimum Balance: None
  • Monthly Service Fee*: None
  • Statement Choices: E-mail or paper statements**
  • Unlimited Check Writing
  • NSF Charges: $19 per item

*If balance falls below minimum
**Check images included

 

Senior Checking

Enjoy unique perks with this checking account tailored for those 65 and over.

Account Features

  • Minimum Opening Deposit: $50
  • Monthly Service Fee: None
  • Statement Choices: E-mail or paper statements**
  • Unlimited Check Writing
  • Free box of single carbonless ANB stock checks.
  • NSF Charges: $19 per item

**Check images included

 

Interest-Bearing Checking

Earn interest on your checking account (minimum balance required)

Account Features

  • Minimum Opening Deposit: $1000
  • Average Daily Minimum Balance: $1000
  • Monthly Service Fee*: $8.00 / month, No interest accrues
  • Statement Choices: E-mail or paper statements (with check images included)
  • Unlimited Check Writing
  • Earn Interest
  • NSF Charges: $19 per item

*If balance falls below minimum

 

Student Plastic Account

Good money management starts when they're young. Plastic, the safest tool for managing teen's money, with text or email alerts for Students and Parents.

Account Features

  • Minimum Opening Deposit: $20
  • Average Daily Minimum Balance: None
  • Monthly Service Fee*: None
  • E-mail statements
  • Rewards $10 per Report Card if all requirements are met
  • NSF Charges: $19 per item

Please note: Bill Pay is not available to anyone under the age of 18.
*If balance falls below minimum

 

Additional Requirements

Learn more about electronic check processing

Student Plastic Account Additional Details and Requirements

  • Must have at least one (1) deposit a month
  • Automatic transfers from the Guardian/Custodian may occur weekly, biweekly or monthly
  • ATM transactions are limited to $50.00 per day
  • Visa® Check Card transactions will be limited to $150.00 per day
  • Transaction notification by text or email is available to all parties enrolled
  • You will receive Cash Rewards in the amount of $10.00 for every report card with straight A's and B's - Through High School.

 

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