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Personal Checking

More Benefits with Personal Checking!

Personal Checking is perfect for those who want standard features of a Free Checking account with lower overdraft, NSF and wire transfer fees than Free Checking account. At a low monthly maintenance charge of $10, this product allows you to make unlimited deposits and withdrawals, including check issues. This fee can be waived if you meet one of the following two requirements. First, maintain an average daily balance of $1,500 or a daily minimum balance of $750. Second, have at least one recurring direct deposit of $500 or more to your account. Same as our Free Checking account, this product also qualifies for a Visa Debit Card which comes standard with Zero Liability and Real-time fraud monitoring system to protect you from unauthorized transactions.

Our Personal Checking account benefit includes:

    Monthly maintenance fee of $10 can be waived if you meet any one of the following requirements during a statement cycle:
    • Maintain a daily minimum balance of $750 or an average daily balance of $1,500; OR
    • Have at least one (1) recurring direct deposit (i.e. Payroll) of $500 or more to your account.

    The transaction charge of $0.25 per debit can be avoided if you meet any one of the following requirements during a statement cycle:
    • Maintain a daily minimum balance of $750 or an average daily balance of $1,500; OR
    • Have at least one (1) recurring direct deposit (i.e. Payroll) of $500 or more to your account.

  • Free online bill payment
  • Free Telephone and Online Banking that you can access 24/7
  • VISA Debit Card with built-in security
  • Paperless statements
  • Unlimited check issue with no additional charge
  • Lower transaction fees
  • Security card for safe online banking transactions
  • Account alerts
  • Some fees are lower than our Free Checking product (See Schedule of Fees for more details)

All you need to enjoy these benefits is a minimum opening deposit of $200. Please visit one of our branches to open one and start enjoying it today.

Compare our checking products

Minimum Opening Deposit $200
Monthly Account Maintenance Fee $10
This fee be waived if you meet any one of the following requirements during a statement cycle:
•Maintain a daily minimum balance of $750 or an average daily balance of $1,500; OR Have at least one (1) recurring direct deposit (i.e. Payroll) of $500 or more to your account.
Transaction Charge $0.25 per debit transaction
This fee be waived if you meet any one of the following requirements during a statement cycle:
•Maintain a daily minimum balance of $750 or an average daily balance of $1,500; OR Have at least one (1) recurring direct deposit (i.e. Payroll) of $500 or more to your account.
Interest-Bearing NO
Unlimited Check Writing YES
Non-Sufficient Funds Fee or Return Item Fee $15 / $25
Deposited Item Returned Fee (Chargeback Fee) $10
Minimum Opening Deposit $100
Monthly Account Maintenance Fee $0
Transaction Charge $0
Interest-Bearing NO
Unlimited Check Writing NO
Non-Sufficient Funds Fee or Return Item Fee $25 / $35
Deposited Item Returned Fee (Chargeback Fee) $15
Minimum Opening Deposit $2000
Monthly Account Maintenance Fee $12This fee can be waived with $2,000 average monthly balance
Transaction Charge $0
Interest-Bearing YES
Unlimited Check Writing YES
Non-Sufficient Funds Fee or Return Item Fee $15 / $25
Deposited Item Returned Fee (Chargeback Fee) $10

Other transaction fees or charges may apply. For more information, please click our Product