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Personal Checking

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Loyalty Checking

When you invest with us, we invest in you. Entrust your hard earned savings to us by opening a Loyalty Checking account and earn a premium rate of interest on your daily balance up to $10,000.00. Also, earn interest on your daily balances above $10,000.00. To qualify for the interest rate tiers, all of the following qualification must be met each statement cycle:

  • One direct deposit or more per month
  • Enrollment in electronic statements
  • Twelve debit card transactions per month or more, ATM transactions excluded 
  • Check Rates

Automatic fund transfers within the bank do not qualify as a direct deposit qualification. ATM transactions are excluded as a debit card transaction qualification. Paper statements will not be mailed. When the qualifications are not met the entire balance will be paid an alternate rate of interest. 

It's never been so easy to switch to us. Start earning loyalty interest rates today!


Everyday Checking

This is a flexible and affordable option especially for those opening their first account. You may receive the following benefits to enhance your account: 

  • No minimum daily balance
  • Unlimited debit card transactions
  • Unlimited electronic transactions and payments
  • Unlimited ATM withdrawals
  • 30 checks processed per statement cycle
  • It's never been so easy to switch to us

If more than 30 checks are processed per statement cycle there will be a nominal fee of $0.25 per check


Advantage Checking

Enjoy an interest bearing checking account that gives you additional benefits:

  • $10.00 discount on each personal check order
  • $3.00 discount on cashier’s checks and money orders
  • Free Bill Pay
  • Health Savings Account (HSA) set-up fee waived
  • $10.00 discount on annual Overdraft Line of Credit fee
  • Discount of 0.25% Annual Percentage Rate (APR) on consumer loans with AFT
  • One free stop-payment annually

Maintain a minimum daily balance of $1,000.00 and any one of the following relationships:

  • Savings account with a minimum daily balance of $1,500.00 or more 
  • Money Market account with a minimum daily balance of $1,500.00 or more 
  • Certificate of Deposit (CD) with a minimum daily balance of $1,500.00 or more 
  • Personal Loan with a minimum current balance of $10,000.00 or more 
  • Home Equity Line of Credit (HELOC) with a minimum current blance of $10,000.00 or more
  • Real Estate Loan with a minimum current balance of $10,000.00 or more 

If these requirements are not maintained during the statement cycle, there is a $7.00 monthly service charge.

You will earn a tiered interest rate on your balance as follows:

  •  $0.01 - $14,999.99 earns introductory rate
  • $15,000.00 + earns a better rate of interest
  • Check Rates
 It's never been so easy to switch to us


Investor's Checking

The higher the balance, the higher the interest rate.

  • $0.01 to $4,999.99 earns introductory rate
  • $5,000.00 to $14,999.99 earns good rate
  • $15,000.00 to $24,999.99 earns better rate
  • $25,000.00 to $49,999.99 earns best rate
  • $50,000.00 or more earns premium rate
  • Check Rates
If the daily balance falls below $5,000.00 during the Statement Cycle there is a service charge of $5.00 plus $0.25 per check/debit. It's never been so easy to switch to us.


Complement your account with any of the following services:

  • Debit Card
  • Online Banking
  • Mobile Banking
  • eStatements
  • 24 Hour Telephone Banking