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Checking Accounts

Home Personal Checking

Make Your Money Work for You

The ideal checking account should do two things: maximize every hard-earned dollar you deposit, and do so with no or as few fees as possible. It just so happens we offer personal checking accounts that do both of those things.

Account Comparison Table

While each of our checking accounts comes with unique benefits they all include:

  • A free ATM or Visa® debit card (subject to qualification)
  • Unlimited check writing
  • At least one free order of personalized checks (choose from the styles offered by our check partner)
financial items illustration

Checking Accounts

Account

The ideal account for…

Benefits & features

Fees & limitations

Regular Checking

Those wanting no fees, no balance requirements and access to banking tools.

No minimum balance requirement or monthly service fee

 

Access to Online Banking and Mobile Banking

 

Anyone age 55 or over qualifies for free or low cost checks

None

NOW Checking

Anyone wanting to earn interest on balances without a large minimum balance requirement.

Earns a great rate, depending on your balance.

 

Access to Online Banking and Mobile Banking

 

Anyone age 55 or over qualifies for free or low cost checks

$500 minimum balance requirement to avoid a service charge

 

Super NOW Checking

Customers with higher account balances and want to invest, but still want to access their money at any time.

Earn interest on every dollar

 

Earns a great rate, depending on your balance.

 

Earn interest on every penny.

 

Access to Online Banking and Mobile Banking

$2,500 minimum balance requirement to avoid a service charge

Money Market Checking

Customers that have higher dollar amounts that want to invest and earn a higher interest rate.

Earn interest on every penny

 

Earns a great rate, depending on your balance.

 

Access to Online Banking and Mobile Banking

$2,500 minimum balance to earn highest tier rate

 

Money Market TBill Checking

You want to have your money accessible and earn tiered interest based on your balance.

Earns a great rate, depending on your balance.

 

Access to Online Banking and Mobile Banking

$10,000 minimum balance to earn highest tier rate

 

No monthly service charge

 

One debit per statement cycle

Checking Rates

Account

The ideal account for…

Benefits & features

Fees & limitations

Free Advantage Checking

Those wanting no fees, no balance requirements and access to banking tools.

No minimum balance requirement or monthly service fee

 

Access to Online Banking and Mobile Banking

None

Advantage NOW Checking

Anyone wanting to earn interest on balances without a large minimum balance requirement.

Earns a great rate, depending on your balance.

 

Access to Online Banking and Mobile Banking

$100 minimum balance requirement to avoid a service charge

 

Minimum balance to earn interest is $1,000

Advantage Plus Checking

Customers needing an interest-bearing account with a lot of perks and low fees.

Earn interest on every dollar

 

Earns a great rate, depending on your balance.

 

No fee for cashier’s checks or money orders

 

Access to Online Banking and Mobile Banking

Low $3.00 monthly membership fee

 

No minimum balance requirement

 

No monthly service charge

Advantage Gold Checking

Those age 50 and over looking for a benefits-packed, interest-bearing checking account.

Earn interest on every dollar

 

Earns a great rate, depending on your balance.

 

No fee for cashier’s checks or money orders

 

Access to Online Banking and Mobile Banking

No minimum balance requirement

 

No monthly service charge or membership fee

 

Checking Account Interest Rates

NOW Checking Rates
NOW Checking Account Rates
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Checking 0.30% 0.30% $100.00 $.01

 

Advantage NOW Checking Rates
Advantage NOW Checking Account Rates
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Checking 0.20% 0.20% $100.00 $1,000.00
Checking 0.95% 0.95% $100.00 $25,000.00
Checking 2.23% 2.25% $100.00 $100,000.00

Super NOW Checking Rates
Super NOW Checking Account Rates
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Checking 0.30% 0.30% $100.00 $.01
Checking 0.40% 0.40% $100.00 $2,500.00

 

Advantage Plus Checking Rates
Advantage Plus Checking Account Rates
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Checking 0.20% 0.20% $100.00 $0.01
Checking 0.30% 0.30% $100.00 $1,000.00
Checking 0.95% 0.95% $100.00 $25,000.00
Checking 2.23% 2.25% $100.00 $100,000.00

Money Market
Money Market Checking Account Rates
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Checking 0.30% 0.30% $100.00 $.01
Checking 0.75% 0.75% $100.00 $2,500.00

 

Advantage Gold Checking Rates

Advantage Gold

Checking Account Rates

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Checking 0.20% 0.20% $100.00 $0.01
Checking 0.30% 0.30% $100.00 $1,000.00
Checking 0.95% 0.95% $100.00 $25,000.00
Checking 2.23% 2.25% $100.00 $100,000.00
 

Money Market Rates
Money Market TBill Checking Account Rates
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Checking 0.30% 0.30% $100.00 $.01
Checking 1.98% 2.00% $100.00 $10,000.00

 

The rates listed on this page are effective as of Monday, Sep 23, 2019 , and may change without notice. Rates may change after the account is opened. Fees may reduce earnings.