Checking

Simplicity Checking

Requires only a $100 initial deposit, offers unlimited check writing with no minimum balance requirement and no monthly service fees! Your first box of safety paper checks and debit card are free. You will receive itemized monthly statements and your cancelled checks are stored at the bank. Free Online Banking and free Web Bill Pay are also available!

Personal Checking

$100 will open a Personal Checking account with no monthly fee options for those 50 years and older, customers with direct deposit of payroll, retirement or disability benefits, automatic loan payment transfers, or customers that carry an average balance of $500 or more. Customers receive a monthly statement with itemized transactions and check images. Free Online Banking and Web Bill Pay is also available with this account. For those who are not eligible for the no monthly fee option, the monthly fee is $5 if the balance is between $250 and $500 and a $7 if the balance drops below $250.

Reserve Checking

The account adds a special pre-approved credit line feature to your Personal or Simplicity Checking account. With a pre-approved credit line, you can write yourself a loan anytime.

Personal Now Account

The NOW Account is designed for those who want to earn interest, need the convenience of a checking account and who typically maintain the initial deposit and minimum balance requirement of $500.00. The monthly fee is $8 if the balance falls below $500. This account also includes free Online Banking free Web Bill Pay. Check images are included with the monthly statement.

Freestar Checking Account

The best of all worlds, this account pays a very high competitive tiered interest rates on balances over $10,000. Unlimited check writing with free Online Banking, free Web Bill Pay and an itemized transaction check-imaged statement are benefits included in this premier account. This is a great tool for customers wishing to earn high yields on liquid balances in one account! A $25 service fee is applied if the daily balance falls below $10,000 during a statement period.

Preferred Money Market Account

Take advantage of this high interest-bearing, tiered-rate account that offers a great rate of return, rewards higher balances and provides incentives to all savers. With easy access to your money and check writing privileges, this account requires only $2,500 to open and maintain to avoid fees. Printed checks are always free for this account along with free Online Banking.

The Preferred Money Market account is offered to both personal and business account customers and pays the competitive interest yield at the statement cycle. Transactions are limited to 6 pre-authorized transfers or checks per month and there is a $10 monthly fee if the balance drops below $2,500. Ask one of our Customer Service Representatives for our competitive rates on this account.