Checking Accounts

Checking that works for you.

Wherever life takes you, from the start of high school to the beginning of retirement, we have a checking account that's right for you. Whether it's Rewards Checking, FreeTunes Checking, Free Checking, or Checking for Teens, you'll find our accounts offer you perks, and are easy to use. But what else would you expect from a bank that's always thinking about you?

Account Basics:

Looking for more information on what our checking accounts offer? Click the More Info button on the checking or savings account that's right for you below.

*ATM fee refunds up to $20 per monthly qualification period for Rewards Checking and Free Tunes Checking only. Must meet monthly qualifications.

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Rewards Checking FreeTunes Checking Free Checking Teen Checking Program*
No monthly service fee
No minimum balance
Minimum Opening Deposit  $10
$10
$10
$10
eStatements



Online Banking
Bill Pay
Mobile Banking
Debit Card
ATM Fees Refunded**


Earns Interest



Key Perks Earns interest & ATM Refunds** Earn credits for iTunes downloads & ATM Refunds** Simple, no monthly qualifications Simple, no monthly qualifications
More Info
Open Now
More Info
Open Now
More Info
Open Now
More Info
Inquire

*Teen Checking program available with all checking accounts.
**ATM fee refunds up to $20 per monthly qualification period for Rewards Checking and Free Tunes Checking only. Must meet monthly qualifications.

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EZ $ave
(requires checking account)
Statement Savings Money Market Deposit Account (MMDA) Certificate of Deposit (CD)
Earns Interest
No Monthly Service Fee


Minimum Opening Deposit $10 $10 $1,000 $500
(in most cases)
No Closeout Penalty



ATM Card

Online Banking View Balance
eStatement
Automatic Transfer Service

(to checking for overdraft)



Key Perks Use as an automatic savings plan Simple savings account High interest rate & limited check writing Locked in interest rate & terms of 3 to 48 months
More Info
Open Now
More Info
Open Now
More Info
Open Now
More Info
Inquire

PERSONAL DEPOSIT RATES

Rates as of July 29, 2015 
All rates subject to change without notice.

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Product Name Annual Percentage
Yield (APY)
Annual Interest
Rate
Minimum Deposit
to Open
Minimum Balance
to Obtain the APY
Take Action
25 Month CD
1.25 % 1.24 % $500 $500 Inquire

Certificates of Deposit have a $1,000,000 maximum deposit per customer.

Certificates of Deposit earn a fixed interest rate for the entire term. A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.

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Rewards Checking* Annual Percentage
Yield (APY)
Annual Interest
Rate
Minimum Deposit
to Open
Minimum Balance
to Obtain the APY
Take Action
On balances up to $25,000 0.42% 0.42% $10 $0.01 Open Now
On balances over $25,000
0.42% to 0.33%** 0.10% $10 $25,000.01 Open Now
Base Rate 0.01% 0.01% $10 $0.01 Open Now

*To qualify for the Rewards Checking interest rate and annual percentage yield, you must meet the following qualification requirements during each qualification period:

1) Make at least 12 Point-of-Sale Debit Card transactions (not Including ATM transactions) that post to your account during each qualification period; and

2) Have at least 1 ACH third-party automatic debit or credit transaction (including Direct Deposits) post to your account during each qualification period; and

3) Agree to receive your monthly statement electronically, and access and view your statement online.

If you do not meet these qualification requirements, you will receive the Rewards Checking Base Rate on the principal balance in your account.

**Assumes a principal balance of $35,000.00. APY earned depends on the actual principal balance.

Fees may reduce earnings on this account. The rate may change after the account is opened.

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Product Name Annual Percentage
Yield (APY)
Annual Interest
Rate
Minimum Deposit
to Open
Minimum Balance
to Obtain the APY
Take Action
Tier 1 0.10% 0.10% $1,000 $10 Open Now
Tier 2 0.10% 0.10% $1,000 $1,000 Open Now

Fees could reduce earnings on this account. The rate may change after the account is opened.

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Product Name Annual Percentage
Yield (APY)
Annual Interest
Rate
Minimum Deposit
to Open
Minimum Balance
to Obtain APY
Take Action
Statement Savings Account 0.10% 0.10%
$10 $10
Open Now
Security Deposit Account
0.10%
0.10%
$10
$10
Inquire
EZ Save *
0.10% 0.10%
$10
$10
Open Now
Club Savings **
0.10% 0.10%
$10
$10
Inquire
School Savings *** 0.15% 0.15%
$1
$1
Inquire

Fees could reduce earnings on this account. The rate may change after the account is opened.

* May only be opened with a checking account.

**A penalty may be imposed for early withdrawals from Club Accounts.

*** Upon the student reaching the age 19, the bank, after giving you notice in writing, will transfer the account to another savings account at the bank.

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Product Name Annual Percentage
Rate (APY)
Annual Interest
Rate
Minimum Deposit
to Open
Minimum Balance
to Obtain the APY
Take Action
3 Month CD
0.10 % 0.10 % $500 $500 Inquire
6 Month CD
0.25 % 0.25 % $500 $500
Inquire
7 Month Easy-Out CD
0.15 % 0.15 % $5,000 $500
Inquire
12 Month CD
0.40 % 0.40 % $500 $500
Inquire
17 Month Easy-Out CD
0.40 % 0.40 % $5,000
$500
Inquire
18 Month CD
0.55 % 0.55 % $500
$500
Inquire
24 Month CD
0.65 % 0.65 % $500
$500
Inquire
25 Month CD
1.25 % 1.24 % $500
$500
Inquire
30 Month CD
0.70 % 0.70 % $500
$500
Inquire
36 Month CD
0.75 % 0.75 % $500
$500
Inquire
48 Month CD 1.75 % 1.74 % $500
$500
Inquire

Certificates of Deposit have a $1,000,000 maximum deposit per customer.

Certificates of Deposit earn a fixed interest rate for the entire term. A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.

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Product Name Annual Percentage
Yield (APY)
Annual Interest
Rate
Minimum Deposit
to Open
Minimum Balance
to Obtain APY
Take Action
Variable IRA Savings Account * 0.10 % 0.10% $10 $10 Inquire
12 Month IRA CD ** 0.40 % 0.40 % $500
$500 Inquire
18 Month IRA CD ** 0.55 % 0.55 % $500
$500
Inquire
36 Month IRA CD **
0.75 % 0.75 % $500
$500
Inquire
60 Month IRA CD **
1.25 % 1.24 % $500
$500
Inquire

Fees could reduce earnings on this account.

*The rate may change after the account is opened.

** IRA Certificates of Deposit earn a fixed interest rate for the entire term. A penalty may be imposed for early withdrawals from IRA Certificates of Deposit.