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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 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
 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 minimum daily balance falls below $5,000.00 during the month 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
  • Mobile Wallet
  • Electronic Documents
  • 24 Hour Telephone Banking