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. 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.

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 Cashback Checking*
Rewards Checking** Free Checking
No Monthly Service Fee


No Minimum Balance


Minimum Opening Deposit $10
$10
$10
eStatements


Online Banking


Bill Pay


Mobile Banking


Debit Card


ATM Fees Refunded


Mobile Deposit


Earns Cash Back


Earns Interest  


Qualifications Apply


Key Perks Earns cash back & ATM Refunds Earns interest & ATM Refunds Simple, no monthly qualifications
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* To earn 2% cash back (up to $10) on debit card purchases posted to your account, and refunds of nationwide ATM fees incurred during each statement cycle, you must have 12 or more debit card purchases post to your account; be enrolled in online banking and receive eStatements; and make at least one deposit during each statement cycle. If requirements are met, we will post cash back rewards to your account and refund ATM fees on the last business day of the statement cycle. ATM fee refunds may be reportable as miscellaneous income.

** To qualify for the highest interest rate and refunds of nationwide ATM fees incurred during each qualification period, you must have 12 or more debit card purchases post to your account; be enrolled in online banking and receive eStatements; and, have either a Direct Deposit or ACH Auto Debit. Qualifying transactions are measured for items posted to your account for the monthly period beginning on the last business day of the previous statement cycle through to the next to the last business day of the statement cycle. ATM fee refunds may be reportable as miscellaneous income.

**To qualify for the highest interest rate and refunds of nationwide ATM fees incurred during each qualification period, you must have 12 or more debit card purchases post to your account; be enrolled in online banking and receive eStatements; and, have either a Direct Deposit or ACH Auto Debit. Qualifying transactions are measured for items posted to your account for the monthly period beginning on the last business day of the previous statement cycle through to the next to the last business day of the statement cycle. ATM fee refunds may be reportable as miscellaneous income. ATM fee refunds up to $20 per monthly qualification period for Rewards Checking only. Must meet monthly qualifications .
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EZ $ave
(requires checking account)
Statement Savings Money Market Account (MMA) 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
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PERSONAL DEPOSIT RATES

Rates as of April 28, 2016
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
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Security Deposit Account
0.10%
0.10%
$10
$10
Inquire
EZ Save *
0.10% 0.10%
$10
$10
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Club Account**
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
Open Now 
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 1.50 % 1.49 % $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.