Personal Checking Accounts

No two wallets are alike. That's why we offer an array of checking accounts. Every account can be set up for direct deposit and comes with a Debit Card, free Online Banking and Online Bill Pay to simplify how you manage your money. We listen to your needs, then help you choose the best type of account for the way you bank.


Regular Checking


Do you plan to keep a balance of $500 or more?

The classic checking package. Receive unlimited check writing and no monthly service charge if you maintain a minimum balance of $500 throughout the statement period. If the balance falls below $500 during the statement period, the account is charged a $5 service charge. If the balance drops below $200, a fee of 20¢ per debit is charged for all debits processed during the statement period in addition to the $5 monthly service charge. A deposit of $100 is required to open this account. Qualified accounts receive an Overdraft Privilege of $300.


Century Club Checking


Want benefits and rewards with your checking account?

Our popular club account. Perfect for the customer with high account usage. Club members choose either single or family accidental death and dismemberment insurance coverage. Single coverage provides $15,000 in coverage for $10 per month. Family coverage provides $15,000 per spouse and $1,500 per child for $12 per month. In addition to insurance coverage, club members also receive:


  • Unlimited Check Writing
  • Unlimited ATM & Debit Card Privileges
  • Free Club Checks
  • Free Personal Money Orders
  • Identity Theft Insurance with Fraud Assistance
  • Payment Card Protection
  • Online Local Savings
  • Monthly Paper Bank Statements
  • $100 Minimum Balance to Open
  • $300 Overdraft Privilege on Qualified Accounts

OST (Over Sixty-two) Account


Are you age 62 or better? Check out the benefits of our OST Account.

This account is perfectly suited for our customers who are 62 years old or better! These special customers receive unlimited check writing privileges, free wallet-style OST checks, unlimited ATM or Debit Card transactions, and easy-to-read monthly paper bank statements. There is NO monthly service charge for our OST account and qualified accounts receive a $300 Overdraft Privilege. OST minimum opening balance is $100.


Personal NOW Account


Want to earn interest with your checking account?

The NOW Account is for customers who want an interest-bearing checking account with unlimited check writing privileges. Minimum balance to open the account and earn interest is $600. If the account balance stays above $1500, the monthly service charge is waived. Also included are monthly paper statements, unlimited ATM and Debit Card transactions and a $300 Overdraft Privilege on qualified accounts.


First Investment


Want to enjoy the benefits of earning interest with the flexibility that allows you to have access to your money?

The First Investment account offers the opportunity to earn interest while making unlimited deposits. The minimum balance to open the account and earn interest is $2,500 with the maintenance fee waived if the minimum balance is maintained throughout the statement cycle. Interest is compounded and credited to your account monthly. Transactions are limited to six per monthly statement cycle.


Ultimate Savings


Looking for tiered interest rates?

Our Ultimate Savings account offers an interest rate that increases with your balance. The minimum balance to open the account and earn interest is $25,000 with the maintenance fee waived if the minimum balance is maintained throughout the statement cycle. Interest is compounded and credited to your account monthly. This account offers unlimited deposits.