Checking Accounts



Overview

Deposit services are usually taken for granted in this age of banking competition. We believe, however, that this product is at the core of banking and meeting customer needs. We pride ourselves on accurate service, competitive rates, and personal attention to your account.


Checking Account needs vary with the individual. That is why we have designed a complete line of checking accounts to meet a wide variety of customer needs. Whether you have limited checking activity or like to earn interest on your account, we have a checking product for you. All of our checking accounts receive Convenience Banking, including Online Banking, Bill Pay, and a Visa® Check card.




Apple Advantage Checking Account


The ala-mode of a great checking account. Our Apple Advantage Checking account rewards you with high interest on your balance.


  • 3.04% APY on balances up to $20k
  • 0.10% APY on balances over $20k
  • 0.05% APY if qualifications are not met

EACH MONTHLY QUALIFICATION CYCLE:


  • Have at least 15 debit card purchases post and clear.
  • Have at least one direct deposit or automatic loan payment.
  • Receive eStatements.

That's it! Open your Apple Advantage Checking account today!


*3.04% Annual Percentage Yield (APY) paid on balances between one penny and $20,000, and .10% APY paid on all amounts above $20,000 each cycle the minimum requirements are met.  If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.05% APY. Rates as of March 1, 2018. We may change the Interest rate and APY at any time after the account is opened. No minimum balance is required. Available to personal accounts only and limited to one account per customer.



FREE Checking Account


Our Free Checking account requires no minimum balance, assesses no monthly fees, and no per check charge – an account that is totally free!


  • No minimum balance or opening balance required
  • No monthly maintenance fee
  • Unlimited check writing
  • Unlimited transactions
  • Free Online Banking
  • Free Bill Pay
  • Free Telephone Banking
  • Check images returned with statement
  • MasterCard Debit Card only $1.00 per month



NOW Checking


Our NOW checking account earns interest on your account balance.


  • No fee when a minimum balance of $1,000 or average balance of $2,000 is maintained ($5.00 maintenance fee if below minimum.)
  • Earns interest
  • Unlimited check writing
  • Unlimited transactions
  • Free Online Banking
  • Free Bill Pay
  • Free Telephone Banking
  • Check images returned with statement
  • MasterCard Debit Card only $1.00 per month



Community Club Checking


Community Club is for persons age 50 or better who maintain a $5,000 deposit relationship are eligible to receive many additional benefits, for example:


  • Bonus interest rates on CDs and checking accounts
  • Free printed checks - up to 300 per year
  • Free ATM or Visa Check Card
  • Reduced rate on yearly safety deposit box fee
  • Free cashier checks and money orders
  • Free Online Banking, Free Bill Pay and Free Telephone Banking
  • Free notary and signature guarantee
  • Social opportunities like informational seminars, trips, card parties and bingo
  • Free newsletter and more…