Personal Checking
Open Account Switch to Us Comparison Chart
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 month:
- One Automated Clearing House (ACH) direct deposit, Interactive Teller Machine (ITM) deposit, or mobile check deposit. Automatic funds transfer within the bank or an in branch deposit do not qualify
- Enrollment in electronic statements
- Twelve debit card transactions per month or more
- Open a Loyalty Checking Account
- Check Rates
ATM transactions are excluded as a debit card transaction qualification. Paper statements will not be mailed. If you do not meet the qualifications during the month, a lower interest rate will be paid on your entire account balance.
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
- 15 checks processed per statement cycle
- It's never been so easy to switch to us
- Open an Everyday Checking Account
If more than 15 checks are processed per month there will be an excess transaction fee of $0.50 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 in order to avoid a service charge:
- 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 balance 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 month, there is a $7.00 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
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
Complement your account with any of the following services:
- Debit Card
- Online Banking
- Mobile Banking
- Mobile Wallet
- Electronic Documents
- 24 Hour Telephone Banking