Checking Products
Free Rewards Checking
You’ll love earning CD-like rates and getting Free ATMs nationwide! Earn 5.05% APY* bonus rate on your balances up to $25,000 and 1.01% APY* bonus rate on your balances over $25,000 and receive refunds on your ATM fees** when you meet a few easy requirements each statement cycle; or earn 0.10% APY* base rate if requirements are not met.
To earn the Bonus Rates, meet the following each cycle:
- Make at least 12 debit card transactions (excluding ATM transactions)
- One ACH direct deposit or debit
- Maintain a valid e-mail address
- Accept e-statement delivery
Other features of this account include:
- No minimum balance requirements and no monthly service charge
- No Bounce Advantage overdraft protection***
- Free debit card
- Free Online Banking
5.05% Annual Percentage Yield (APY) paid on balances between one penny and $25,000 and 1.01% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive ATM refunds for that time period. Rates as February 28, 2008. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However, you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. ** ATM refunds if requirements are met. *** Overdraft protection available to accounts in good standing, defined by bringing the account into positive balance at least once every 30 days.
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Free Personal Checking
You’ll enjoy the little extras that come with this popular account.
- No monthly service charge
- No minimum balance requirements
- Unlimited check writing
- Free ATM or CheckCard*
- Free Telephone banking
- Free Online Banking
- No Bounce Advantage Overdraft Protection**
- Free imaged statements & statement organizer
*Upon approval
** Available to those who maintain their account in good standing, defined by bringing account to a positive balance at least once every 30 days.
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Interest Checking
This account combines the check-writing conveniences of a checking account with the earnings power of a savings account. You'll earn the current interest checking rate on the full amount of your balances. We'll even give you your first “box” of wallet style checks free! Maintain a daily balance of $750 and you'll avoid the monthly service charge. If your balance falls below the $750 minimum, there is a monthly fee of $7.00 and $0.15 for each withdrawal over 15 during the monthly statement period. (This account is not available to for-profit corporations.)
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Advantage Club Account
Looking for a great deal on a variety of services? When you become a member of the Advantage Club, you’ll see that membership does have its privileges. Our Advantage Club combines convenience, security and value in one great package.
Look at all of the Advantage Club benefits you’ll enjoy for only $5 per month:
- Free Personalized Club Checks
- Unlimited Check-Writing
- Earn the interest checking rate on daily balances of $500 or more
- $10,000 Identity Theft Insurance – should you fall victim to identity theft, this insurance covers certain expense you may incur while restoring your name and credit, including lost wages, legal fees, long distance charges and more.
- Credit Card Protection – register all of your credit cards, debit cards and ATM cards with this service, and you’ll only have to make a single phone call to cancel your lost or stolen cards and request replacement cards
- $10,000 Accidental Death Insurance – provides you with peace of mind that you’ll be covered 24-hours a day in the event of an accident.
- Free Single Signature Travelers Checks and Cashier's Checks
- 24-Hour Customer Connection - Use your touch tone phone to access account information 24 hours a day.
- Free Notary Service
- Free ATM or Check Card (subject to approval)
- No Bounce Advantage Protection – take the worry out of having a check returned for insufficient funds with this service, which is available to qualified members. Ask us for more details.
The savings you'll receive with these benefits will more than pay for the monthly membership fee. It's easy to take advantage of all of these great benefits. Sign up today and you can begin using these money-saving benefits immediately.
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Advantage 50 Club
If you’re 50 years of age or better, you can join our Advantage 50 Club for only $4 per month, and enjoy all of the benefits of the Advantage Club, plus:
- $10 discount on the annual rental fee for any size safe deposit box (subject to availability; sizes vary by branch; one box per family)
- Bonus rates on certificates of deposits (CDs) when you open a CD with at least $2,000. Bonus rate is equal to 10 basis points above the published rate for the term you choose.
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Business Checking
We understand that running a business can be a challenge. That's why our business checking account is the perfect account for any business owner. Simply maintain a daily minimum balance of $100 and you'll pay no monthly service charge. (If your balance falls below the $100 minimum, there is a $5.00 monthly service charge and $0.15 per withdrawal after 20 per monthly statement period.) You'll receive a free ATM card so you can have access to your account 24 hours a day. We can also help you make your Electronic Federal Tax Payments through your business checking account using our Cash Management service. Call us for details! (We reserve the right to apply analysis charges to commercial accounts which meet certain criteria.)
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Business Interest Checking
If you want the conveniences of check-writing abilities and the earnings power of a savings account, then this is the account for you. You'll earn the current interest checking rate on the full amount of your balances. You'll pay no monthly service charge when you maintain a daily balance of $1,000. If the balance falls below the $1,000 minimum, there is a $6.00 monthly service charge and $0.15 for each withdrawal over 20 per statement period. Interest on this account is compounded monthly, and you can have 24 hour access to your account with your free ATM card. (This account is not available to for-profit corporations.)
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