Checking Accounts
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 Master Card® 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)
|
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 $3.00 monthly 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 $3.00 monthly 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.
$2,500 minimum balance to earn highest tier rate
Access to Online Banking and Mobile Banking |
$2,500 minimum balance requirement to avoid a $3.00 monthly service charge
|
|
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 free debit per statement cycle. ($15 fee per additional debit during statement cycle) |
|
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.
Minimum balance to earn interest is $1,000
Access to Online Banking and Mobile Banking |
$100 minimum balance requirement to avoid a $7.00 monthly service charge
|
|
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
No minimum balance requirement
Access to Online Banking and Mobile Banking |
Low $3.00 monthly membership fee
|
|
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
No minimum balance requirement
No monthly service charge or membership fee
Access to Online Banking and Mobile Banking |
None |
Checking Account Interest Rates
| NOW Checking Account Rates | ||||
|---|---|---|---|---|
| Account Type | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
| Checking | 0.35% | 0.35% | $100.00 | $.01 |
| Advantage NOW Checking Account Rates | ||||
|---|---|---|---|---|
| Account Type | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
| Checking | 0.35% | 0.35% | $100.00 | $1,000.00 |
| Checking | 0.45% | 0.45% | $100.00 | $25,000.00 |
| Checking | 3.74% | 3.80% | $100.00 | $100,000.00 |
| Super NOW Checking Account Rates | ||||
|---|---|---|---|---|
| Account Type | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
| Checking | 0.35% | 0.35% | $100.00 | $.01 |
| Checking | 0.45% | 0.45% | $100.00 | $2,500.00 |
| Advantage Plus Checking Account Rates | ||||
|---|---|---|---|---|
| Account Type | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
| Checking | 0.35% | 0.35% | $100.00 | $0.01 |
| Checking | 0.35% | 0.35% | $100.00 | $1,000.00 |
| Checking | 0.45% | 0.45% | $100.00 | $25,000.00 |
| Checking | 3.74% | 3.80% | $100.00 | $100,000.00 |
| Money Market Checking Account Rates | ||||
|---|---|---|---|---|
| Account Type | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
| Checking | 0.35% | 0.35% | $100.00 | $.01 |
| Checking | 1.14% | 1.15% | $100.00 | $2,500.00 |
|
Advantage Gold Checking Account Rates |
||||
|---|---|---|---|---|
| Account Type | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
| Checking | 0.35% | 0.35% | $100.00 | $0.01 |
| Checking | 0.35% | 0.35% | $100.00 | $1,000.00 |
| Checking | 0.45% | 0.45% | $100.00 | $25,000.00 |
| Checking | 3.74% | 3.80% | $100.00 | $100,000.00 |
| 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 | 0.35% | 0.35% | $100.00 | $.01 |
| Checking | 3.54% | 3.60% | $100.00 | $10,000.00 |
The rates listed on this page are effective as of Saturday, Dec 21, 2024 , and may change without notice. Rates may change after the account is opened. Fees may reduce earnings.