Personal Checking

Personal Checking

Regular Checking

  • Minimum opening deposit: $100.00
  • Minimum daily balance of $600.00 required to avoid additional service charge.
  • Balances less than minimum any day of the month:
    $5.00 service charge for balances $400.00-$599.99
    $7.00 service charge for balances $200.00- $399.99
    $9.00 service charge for balances $0.00-$199.99
  • An excess debit fee of 15 cents will be charged for each check over 30 checks during the statement cycle

Hometown Advantage Checking

  • Minimum opening deposit: $100.00 
  • Monthly service charge: $8.00

CUSTOMER BENEFITS

  • Fixed monthly service charge
  • No minimum balance required
  • No charge for non-duplicate bank logo checks
  • Unlimited check writing
  • No issue fee for money orders and cashier’s checks
  • $10,000.00 Accidental Death Insurance
  • $20,000.00 Scheduled Airline Insurance
  • Key Ring Protection
  • Credit/Debit/ATM Card Protection
  • Savers Club Book
  • Safe Deposit Box rent discount (1/2 of the regular fee)
  • Everyday Rebate Rewards
  • $2,500.00 Identity Theft w/Fraud Resolution
  • Online Local Savings
  • Optum Health Allies Vision Plan
  • Contact the bank for additional information regarding benefits

Smart Checking

  • Minimum opening deposit: $25.00
  • No minimum daily balance required
  • Monthly service charge: $9.00**
  • Unlimited check writing
  • 50 free non-duplicate bank logo checks with your first order.

**To avoid the $9.00 monthly service charge, you must be an Internet Banking customer who receives only Electronic Statements, hereafter called eStatements.

To get started with eStatement enrollment you must enroll in Internet Banking. If you are an existing Internet Banking customer, log in to Internet Banking and select the eStatement enrollment in the top navigation under Services. If you discontinue eStatements, your checking account will begin to be charged the $9.00 monthly service charge on your statement cycle end date of the month in which you discontinue eStatements. You will then begin to receive your monthly statements via U. S. Mail. See our Internet Banking Agreement and Electronic Statements and Disclosures Agreement for more information. If you ever need a copy of a periodic statement you can request a copy from the bank for a nominal fee. See our Common Fee Schedule for the statement fee charge.

Student Advantage Checking

  • Minimum opening deposit: $100.00 Monthly service charge: $0
  • No minimum daily balance required Unlimited check writing
  • For full time student age 24 or younger 
  • Student must present Student ID Card and Drivers License at time of opening account
  • Other fees may apply

Now Checking

  • Minimum opening deposit: $1,000.00
  • Minimum daily balance of $1,000.00 required
  • to avoid additional service charge of $7.00
  • This account earns interest on the daily balance and is credited to the account monthly
  • Unlimited check writing
  • Service charges and fees may reduce earnings

Only individuals, sole proprietorships, nonprofit and governmental entities may own a NOW! account. Corporations or partnerships cannot own a NOW Account. Sole Proprietorships may open this account for a minimum opening deposit of $500.00 with monthly service charge fees applicable on that opening balance.

Advantage 55 Plus Checking

  • Minimum opening deposit: $100.00 
  • Monthly service charge: $0 Other fees may apply.
  • For customers 55 years of age or older
  • Unlimited check writing
  • No charge for non-duplicate bank logo checks for the life of the account 
  • No minimum balance required
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