Personal Banking
Personal Checking Accounts
If you have any questions about our accounts, please call or email us, and we will be glad to assist you.
All of our checking accounts offer the following FREE services:
- FREE Internet Banking
- FREE Online Bill Pay
- FREE Check Imaging
- FREE Online Statement
- FREE Direct Deposit
- FREE CHECKCard
- FREE 24 Hour Telephone Account Access (First Connection)
50 Something Checking
Regular Checking
Free Checking
Reward Checking
FIRSTTunes Checking
50 Something Checking
- Personal checking for customers at least 50 years of age or older.
- Minimum initial deposit of $1,000.00
- Interest paid on balances above $1,000.00
- Tiered interest rates according to balance
- Interest compounded and credited monthly
- Unlimited check writing
- Free Personalized checks
- Special CD rates
- No issue fee on travelers checks
- No issue fee on money orders
- No annual fee on Visa & MasterCard for account holders ages 62 & over
- No service charge if balance stays above $1,000.00; otherwise a $6.00 per month service charge is assessed
Regular Checking
- A personal checking account for a convenient way to pay bills and maintain permanent financial records.
- Initial deposit of $100.00
- Unlimited check writing
- No service charge if daily balance is $500.00 or above.
- A $7.00 minimum balance service charge is assessed if balance falls below $500.00
Free Checking
- A non-interest bearing account with these features:
- No monthly service charge
- Initial deposit of $100.00
- Free unlimited check writing
- Discretionary Overdraft Privilege option
- Online Statements only
Reward Checking
- Rewards users with a great interest rate AND a more convenient way to do their banking.
- 2.50% Annual Percentage Yield paid on balances of $.01-$49,999.99. 1.01% Annual Percentage Yield paid on portions of balances $50,000.00 and above.
- Use any bank's ATM nationwide with no fees. Maximum of $25 in foreign ATM transaction fees refunded per month. Fees are refunded at the end of the statement period.
- No minimum balance
- No maintenance fees
- Unlimited Check writing
- Overdraft Privileges
- For more information on account requirements, click here.
FIRSTTunes Checking
- Personal checking for customers to earn iTunes downloads each month with the following additional features:
- Use any bank's ATM nationwide with no fees. Maximum of $25 in foreign ATM transaction fees refunded per month. Fees are refunded at the end of the statement period.
- No minimum balance
- No maintenance fees
- Unlimited Check writing
- Overdraft Privileges, if desired by customer
- For more information on account requirements, click here.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
