FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Banking should be simple, clear, and designed around you. Explore our lineup of checking accounts and choose the one that fits your lifestyle.
Mastercard® Debit Card (Included with Every Checking Account)
- Free Mastercard® Debit Card for all checking customers
- International transactions are restricted for your protection — contact us before traveling outside the U.S.
- Lost or stolen card? Call 800-523-4175
- ATM Locator available for convenient access
Checking with Interest
A flexible account with everyday convenience and the added benefit of earning interest.
Account Requirements
- $200 minimum opening deposit
- Earns interest on daily balances of $200+
- No monthly service charge with a $500 average daily balance
Included Free Features
- Unlimited check writing
- e-Statements
- Online bill pay
- Mastercard® Debit Card or ATM Card
Best For
- Customers who maintain a moderate balance
- Anyone wanting their checking account to earn interest
- Users looking for a full-featured, low-fee account
Freedom 55 Checking
Designed for customers age 55 or better, with added perks and monthly savings.
Key Benefits
- No monthly service charge
- Earns interest on daily balances of $200+
- $100 minimum opening deposit
Included Free Features
- Free standard checks
- Free ATM use at other banks’ ATMs
- Up to $10/month reimbursed with receipts
- Free overdraft coverage via automatic transfer from a Statement Savings account
- Mastercard® Debit Card or ATM Card
Best For
- Those wanting added protection and convenience
- Customers 55+ looking for a cost-effective, perk-filled checking option
- Anyone who uses ATMs frequently
Value Checking
A simple, no-fee checking account for everyday banking.
Account Requirements
- $100 minimum opening deposit
- No monthly service charge
- Does not earn interest
Included Free Features
- e-Statements
- Online bill pay
- Mastercard® Debit Card or ATM Card
Best For
- Everyday spending and banking needs
- Customers wanting a low-maintenance, no-fee checking option
- People who don’t need interest-earning features
Business Checking
A straightforward business account with a cost-effective fee structure.
Monthly maintenance fee: None
PerFees & Allowances
- No monthly maintenance fee
- No per-deposit fee
Checks Paid
- First 50 per month: Free
- Over 50 per month: $0.06 each
Deposited Items
- First 50 per month: Free
- 51–1,500 items: $0.06 each
- Over 1,500 items: $0.15 each
Additional Features
- 3% earnings credit to offset transaction fees
- Free check images
- Free e-Statement or paper statement
- Free Mastercard® Debit Card or ATM Card
Best For
- Owners wanting clear pricing and no monthly fee
- Small to mid-sized businesses
- Businesses with moderate transaction activity
Account Comparison
| Feature | Checking with Interest | Value Checking | Freedom 55 Checking |
|---|---|---|---|
| Min to Open | $200 | $100 | $100 |
| Earns Interest | Yes, on daily balance of $200 or more | No | Yes, on daily balance of $200 or more |
| Monthly Service Charge | None if average daily balance of $500 maintained | None | None |
| Check Safekeeping | Free | Free | Free |
| eStatement | Free | Free | Free |
| Bill Pay | Free | Free | Free |
| Mastercard® Debit Card | Free | Free | Free |
| ATM Card | Free | Free | Free |