Personal Checking

Simply Checking

No minimum balance requirement, unlimited check writing,  internet banking and BillPay, debit card and e-statements.  Simplify your banking.

Simply Swipe

Just like Simply Checking without the checks.  Totally paperless.  Super simple banking.

Choice Checking

With Choice Checking you will receive all the advantages of Simply Checking plus – interest(1) , personalized checks, cashiers checks (3 per month), discount on safe deposit boxes plus a journal, insurance, notary service, gift discounts and much more for only $5 per month.

Regular Checking

Our regular checking accounts have a minimum opening deposit of $100 and varied service charges from $0 to $7.

Lifestyle 50 Account

This is a perfect account for those ages 50 and over. You just need a $100 average daily balance to avoid any service charge. Also, you can earn interest(1) and many other benefits.

Lifestyle 50 Plus Account

You receive all the advantages and benefits of the Lifestyle 50 Account plus – no minimum balance, earn interest on the full average daily balance with no minimum required, preferred CD rates, grocery coupon book, eye-care discounts, walk-in pharmacy card and much more for only $4 per month.

NOW Account

Enjoy a checking account that pays you a competitive interest rate while you take advantage of unlimited check writing. No monthly service fee is charged if the average daily balance remains above $1,000.

Prime and Prime Plus Accounts

Our Prime Account is our most popular interest bearing account. Featuring a tiered-rate, your interest rate increases as your average daily balance increases. The account is subject to limited transactions but you will enjoy seeing your balance grow as the interest is compounded monthly.
EFFECTIVE March 16, 2020
Determination of Rate – the interest rate applied to Tier 2 is 20% of United States Prime.
Prime Account Rate Information:
Tier 1- If your average daily balance is $34,999.99 or less, the interest rate paid on the entire balance will be 0.10% with an annual percentage yield of 0.10%.

Tier 2 – An interest rate of  .65%will be paid only for that portion of your average daily balance that is greater than $34,999.99. The annual percentage yield for this tier will range from 0.10% to .65%, depending on the balance in the account. The portion of the balance below $35,000.00 will earn interest at the tier 1 rate.

Prime Interest is compounded monthly and will be paid on the account every month.

Currently United States Prime is 3.25%.

The Prime Plus account is a no-fee personal checking account for Prime Account holders. Receive unlimited debit card transaction limits, loan specials, an optional sweep feature, and more.

Summit & Summit Gold Account

We place a high value on our commercial account relationships and proudly offer our commercial account holders a choice of two personal checking accounts – Summit and Summit Gold. These accounts pay a competitive interest rate and many benefits including unlimited check writing, a safe deposit box with no rental fee, a debit card with a higher daily limit, a Visa Platinum with no annual fee and a low rate*, and exclusive CD offers.

Employee Advantage

Reap the benefits of your employer doing business with us! This account is only offered to the employees of our Commercial Deposit customers. Features included are – no monthly fee, unlimited check writing, loan specials, and much more. A direct deposit is required.

Other Checking Services

Overdraft Privilege* – You can be confident that even if you run short in your checking account, we have you covered.  Click here for overdraft management tips.
Easy Access Line of Credit* – Easily access your credit line through your checking account. Contact a loan officer for details.
Convenience Services – We make it simple to manage your accounts through Internet Banking, BillPay, Telephone Banking, Debit Cards*, and e-Statements all at no cost to you. Your accounts are always available at your fingertips.

*upon approval
(1) interest is paid if required minimum average daily balance is met

Regular Office Hours: 256.547.2572 | Exchange Info Line 256.570.0999
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