Personal Checking

Checking Accounts

Freedom Checking

Opening balance $100
Monthly maintenance fee of $5 will be assessed if average collected balance falls below $1,000.00
Unlimited transactions
Credits: 25 Debit Card swipes posted during the statement cycle reduces the monthly maintenance fee by $2

High School Checking

Great starter account for teens aged 13 – 17 with adult co-owner
Opening balance $100
Monthly maintenance fee of $2
Teens learn how to manage money with their own debit card and mobile banking service
No checks or overdraft privilege on this account
Parents with online or mobile banking can review activity and transfer money as needed

Community Club/Plus

Opening balance $100
Monthly maintenance fee of $9 for Community Club, $11 for Community Club Plus and $5 for seniors’ accounts · Accidental Death Insurance and Common Carrier Insurance
Free personalized club design checks (limit 500 per year)
No fee for cashier's checks and money orders
First year safe deposit box discount
Gas & gift card discounts
Cash back membership rewards

ID Protection Plus

Opening balance of $100
Monthly maintenance fee of $3
$10,000 Identity Theft Insurance, reimbursement service with fraud assistance through a fraud resolution service
ID Network Safety Services
Payment Card Protection
Free personalized checks (limit 500 per year)

♦ Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the summary for complete details of coverage, limitations and exclusions. The insurance offered is not a deposit, not FDIC insured, not guaranteed by the Financial Institution and not insured by government agency.

Smart Checking Account

Opening balance $1,000
Interest bearing checking account
Interest is compounded monthly and credited monthly
No fee with a daily minimum ledger balance of $1,000 or more
- If daily minimum ledger balance falls below $1,000, a $10 monthly maintenance fee will be assessed