Checking Accounts

Basic Checking

Join a community bank that saves you money with standard benefits like a debit card that doubles as an ATM card. It also gives you full access to Online and Mobile Banking, a suite of powerful tools and apps that make it easy to track your spending, pay bills, send money, deposit checks and more. Basic Checking Accounts feature surcharge-free transactions at any All Point ATM nationwide. Plus, you’ll enjoy:

  • FREE ATM/Debit Card
  • FREE Mobile check deposit, bill pay and more²
  • FREE Starter checkbook
  • FREE mobile banking apps for easy access to funds
  • Maintain a balance of $250.00 to avoid the $3.00 monthly charge
  • A Safety Net – Depositors are Insured by the FDIC up to $250,000

²Your carrier’s standard text/data rates may apply. 


Smart Consumer Money Market

With a Smart Money Market account, you earn interest at a higher rate than with a traditional savings account and access your money easily. It’s an ideal account for building an emergency fund or saving for a large purchase. Plus, you’ll still have access to your money and can write checks from the account. Smart Consumer Money Market features:

  • Free transfers and maximum of 6x withdrawals per month
  • Easy Online Account Maintenance
  • Mobile Check Deposit²
  • FREE Online Banking and Bill Pay
  • Maintain $2500.00 to avoid monthly fee of $10.00
  • A Safety Net – Depositors are Insured by the FDIC up to $250,000

¹Smart Consumer Money Market: The minimum balance required obtain the advertised Annual Percentage Yield (APY) for our tiered rate Smart Consumer Money Market Account is $150,000.00 for an APY of 1.50%.  No minimum is required to open. If a balance equal or greater than 0.01 is not maintained for 30 days the account will close. A lower APY of 1.00% is paid if the minimum daily balance equals $2,500.00 but is less than $150,000.00. Daily balances below $2,500.00 earn no interest and a $10 Monthly Service Fee will apply. Fees may reduce the earnings. These variable tiered rates are effective as of 02/27/2018 and may change at any time in any tier.  Terms and conditions apply.  No brokered deposits accepted.  New money only.   Your carrier’s standard text/data rates may apply.  ²Your carrier’s standard text/data rates may apply. 

Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, contact your branch for a replacement. 24 Hour Card Member Service at 1-800-554-8969.

Open an eCD Online Today!Icon For: Rates

Term Rate APY
60-Month 2.50%** 2.53%**
36-Month 2.40%** 2.43%**
12-Month 0.95%** 0.95%**
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**See ALL Rates and Disclosures