Checking Accounts

For most people, a checking account is the financial service they use most. We offer the following types of checking accounts:

Secure Checking

Secure Checking offers valuable benefits and vital protection for you and your finances, along with helpful ways to save and rewards on everyday purchases. For more details, see our blog post.

Minimum
Opening
Balance		 Required Balance Monthly Charges
$50 no minimum balance  $4.95 Secure Checking Fee

Basic Checking

Our basic account is free with electronic statement enrollment.

Minimum
Opening
Balance		 Required Balance Monthly Charges
$50 no minimum balance  $1.00 per statement cycle for paper statements

Checking Account Comparison Chart

Features  Secure Checking Basic Checking
  $4.95 $0.00
No Minimum Balance * *
Unlimited Check Writing * *
Debit Card * *
Free Online Banking and Bill Pay * *

Fees waived for 2 cashiers checks and money orders

each month

 *  
Paper Statements * $1.00
ID Protect - Identity Theft Monitoring and Resolution Service *  
Up to $10,000 of Accidental Death and Dismemberment Insurance *  
Debit Advantage - Buyer's Protection and Extended Warranty *  
Cell Phone Protection *  
Health Discount Savings (This is NOT Insurance) *  
Shopping Rewards *  
Travel and Leisure Discounts *  

Disclosures

Some of the benefits with IDProtect require registration and activation. IDProtect is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household.

Credit file monitoring may take several days to begin following activation.

Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate. 

Interest Bearing Account

Effective as of April 3, 2024

If you can maintain a $1,500 minimum balance and need limited check-writing, this account is for you.

Minimum Opening Balance Required Balance to Earn Required Annual Percentage Yield Monthly Charges
Annual
Percentage
Yield (APY)		 Interest Rate
$1,500 minimum daily balance of $1,500 A $10 minimum balance fee will be imposed every monthly statement cycle unless you maintain either a minimum daily balance of $1,500.00 or a minimum average balance of $3,000.00 for the monthly statement cycle.

$.20 per check in excess of twenty-five (25) checks per statement cycle. The fee will not apply if you maintain a $5,000 average daily balance for the statement cycle.

 0.20% 0.20%

Fees could reduce earnings on this account.

The interest rate and annual percentage yield (APY) may change after account opening.

WB Interest Bearing Account

Effective as of April 3, 2024

If you can maintain a $2,500 minimum balance and need limited check-writing, this account offers flexibility and security.

Minimum Opening Balance Required Balance to Earn Required Annual Percentage Yield Monthly Charges Annual
Percentage
Yield (APY)		 Interest Rate
$2,500 minimum daily balance of $2,500

A $12.50 minimum balance fee will be imposed every monthly statement cycle unless you maintain either a minimum daily balance of $2,500.00 or a minimum average daily balance of $5,000.00 for the monthly statement cycle.

$.20 per check in excess of twenty-five (25) checks per statement cycle. The fee will not apply if you maintain a $5,000 average daily balance for the statement cycle.

 0.20% 0.20%

Fees could reduce earnings on this account.

The interest rate and annual percentage yield (APY) may change after account opening.

Money Market - Tiered Interest Rates

Effective as of April 3, 2024

If you can maintain a $2,500 minimum balance and only need six (6) withdrawals per month, consider this account.

Minimum
Opening
Balance		 Required Balance Monthly Charges
$2,500 $2,500

$10 if balance of $2,500 is not maintained

There is a per item service charge of $10 for each withdrawal in excess of six (6) during a statement cycle.

Fees could reduce earnings.

The interest rate and annual percentage yield (APY) may change after account opening.

Tiered interest rates and annual percentage yields can be found on our Market Rates page.