Personal Checking 

Account Benefits

  • Personal banking services - you will be assigned your own personal banker, who will help you with all of your banking needs, at the location that is most convenient for you.
  • eStatements - for a faster, more secure, and convenient way to receive your banking statements and disclosures online, enroll in eStatements.
  • 65 years and older - waived service charge for paper statements. Specialty checks are available; you pay the shipping cost.
  • Direct deposit and bill pay - enjoy the convenience of direct deposit and automatic bill pay. We can fill out the paperwork for you.

Additional Services

Rate Information
This account does not earn interest.

Minimum Balance Requirements
You must deposit $100.00 to open this account.

Fees and Charges
A service charge of $3.00 will be imposed every month. This service charge will be waived if you elect to receive eStatements.*

The following fees and charges may be assessed against your account:

NSF Return Fee or NSF Paid Fee**

$30.00 per item

   Per Day Maximum

$150.00

Overdraft Charge (Recurring)**

$30.00 each seven consecutive days

Stop Pay Charge

$30.00 per request

Returned Item Fee

$3.00 per item

Re-deposit of Returned Item Fee

$1.00 per item

Dormant Account Fee

$5.00 per month

Returned Mail Fee

$5.00 per month

Check Copy Fee

$3.00 per copy

Deposited Item Copy Fee

$3.00 per copy

Wire Transfer Fee

$20.00

International Wire Transfer Fee

$50.00

Collection Fee

$20.00 per item

Canadian Check Processing Fee

$10.00 per check + exchange fee


Cost for check printing varies depending on the style of checks ordered.

*If you have changed your email address since enrolling for eStatements and disclosures, please remember you also need to update your email address with us. You may update your email address by logging in to your bankOnline account and clicking on Options. Under the Email section, click on Edit and enter your new email address. Once you have confirmed it, click Submit. We will then be able to ensure there is no disruption in receiving your eStatements and disclosures, and the $3.00 service charge will continue to be waived.

**This fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means.

NOTE: We may report other information about your account to consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your consumer report.