Checking Accounts

 

Award Checking

A single checking account that's clearly superior to all others. Award Checking allows you to be awarded for your checking account balances with a higher interest rate.

Account Features

  • 1.00% APY paid on balances up to $25,000 (if all requirements are met
  • .25% APY paid on balances over $25,000 (if all requirements are met)
  • Visa Debit Card
  • Online Banking with BillPay
  • No Monthly Minimum Balance Requirements
  • eStatements
  • Only $50.00 required to open account
  • Interest is paid on all daily collected balances greater than $1.00

PLUS earn the following Awards if four easy requirements are met*:

  • Up to $15.00 in non-affiliated ATM fees refunded per month
  • A higher, very competitive Annual Percentage Yield (APY) on daily collected balances between $1.00 and $25,000

* Requirements

  • Make at least 12 Debit Card transactions per statement cycle (ATM withdrawals not included)
  • One Direct Deposit, ACH debit or Online Bill Payment per statement cycle
  • Receive only electronic statements monthly

Even if you don't qualify for any given month, you will still earn our base rate for your checking account balances, and you can still qualify for the higher rate again next month. Even if you do not qualify, you can enjoy other services on your account, such as Internet Banking, Online Bill Pay and our Mobile Banking App.

Interest paid: Interest will be compounded and credited monthly on the daily collected balance. If the account is closed before the interest is credited, you will receive the accrued interest. Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks). Annual Percentage Yield accurate as of March 19, 2020. Rates and terms are subject to change without notice. 1.00% APY paid on balances between $1.00-$25,000 and .25% APY paid on all amounts above $25,000 on each cycle the minimum requirements are met. If you do not meet the minimum requirements per cycle your account will earn .05% APY. $50.00 minimum opening deposit required. ATM fees refunded up to $15.00 per statement cycle when qualifying requirements are met. Personal accounts only.

 

Senior Award Checking

Finally, a single checking account that's clearly superior to all others. Plus, it is designed especially for seniors.
Senior Award Checking allows you to be awarded for your checking account balances with a higher interest rate.

Account Features

  • .40% APY paid on balances up to $500,000 (if all requirements are met)
  • .30% APY paid on balances over $500,000 (if all requirements are met)
  • Visa Debit Card
  • No Monthly Minimum Balance Requirements
  • No Monthly Maintenance Fees
  • Truncated Statement only - images not included
  • Only $50.00 required to open account
  • Interest is paid on all daily collected balances greater than $1.00

Plus earn the following Awards if three easy requirements are met*:

  • Up to $15.00 non-affiliated ATM fees refunded per month
  • A higher, very competitive Annual Percentage Yield (APY) on daily collected balances between $1.00 and $500,000

*Requirements

  • Must be 55 years of age or older
  • Make at least 9 Debit Card transactions per statement period (ATM withdrawals excluded) each statement cycle
  • Two Direct Deposits or ACH debits each statement cycle

APPLY FOR YOUR SENIOR AWARD CHECKING ACCOUNT NOW

Non Qualifying Tier

Even if you don't qualify for any given month, you will still earn our base rate for your checking account balances. You can still qualify for the higher rate again the next month. Even if you do not qualify you can enjoy free services on your account.

Interest Paid: Interest will be compounded and credited monthly on the daily collected balance. If the account is closed before the interest is credited, you will receive the accrued interest.  Annual Percentage Yield accurate as of March 19, 2020. Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks). Rates and terms subject to change without notice. .40% APY paid on balances between $1.00 and $500,000.00 and .30% APY paid on all amounts above $500,000 each cycle the minimum requirements are met. If you do not meet the minimum requirements per cycle your account will earn .30% APY. $50.00 minimum opening deposit required. ATM fees refunded up to $15.00 per cycle when qualifying requirements are met. Personal accounts only.

 

Student Plastic Account

Plastic is the spending card for teens (ages 10-17). When it comes to your spending card, there's no better choice than Plastic!

Plastic Highlights

  • Account balance sent via text
  • Free online banking
  • Free cash withdrawals at over 40 local ATM's
  • Shop online without borrowing mom or dad's credit card
  • Set a budget and prove to mom and dad that you are financially responsible
  • A/B Honor Roll Rewards.... earn $10 for your report card that has all A's and B’s

Plastic Parent Highlights

  • Safer than cash, smarter than credit
  • Help your teenager develop financial responsibility
  • Monitor spending with online banking, text or email messages
  • Perfect for emergencies
  • Honor Roll Rewards program provides incentive to study
  • Minimum Opening Deposit: $20
  • Average Daily Minimum balance: None
  • Mostly Service Fee: None
  • E-mail Statements
  • Rewards $10 per Report Card if all requirements are met
  • NSF Charges: $19 per item
  • $300 daily Visa limit on withdrawals

Please note: Bill Pay is not available to anyone under the age of 18.

Debit Card Text Alerts

Your account security is vitally important to us, which is why we are always monitoring the activity on your debit-card account. If any of your card’s spending patterns, locations, or transactions looks out of place, we’ll send you a quick text message.

 

Hometown Hero SmallThe Account that Honors our Local Heroes

Exclusive features for members of our local community that give it their all each and every day: Veterans, Active Military, Police, Firefighters, EMTs, Paramedics, Hospital Staff, Educators, and more.

  • No monthly service fee
  • No minimum balance required
  • Free exclusive hometown hero logo checks
  • Exclusive hometown hero logo instant issue debit card
  • Free online banking
  • Free cashier’s checks and money orders
  • Exclusive special rate money market plus account (optional)
  • Online billpay
  • Mobile banking app w/edeposit
  • Access to Allpoint® surcharge-free atms nationwide
  • Up to four foreign atm fees refunded monthly
  • One overdraft/non-sufficient funds fee forgiveness per year
 

 

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