Checking Account Options

Checking Accounts


Rewards Checking

It’s time to GROW your money.


Earn a HIGH rate of interest on your balances up to $10,000 when you meet four basic requirements:

  • Use your debit card 15 times per statement cycle7
  • Receive monthly eStatements
  • Receive 1 monthly direct deposit or make 1 monthly ACH debit7
  • Enroll in Online Banking

Then, sit back and enjoy MANY rewards:

  • ATM Fee Rebates (up to $10 per month)
  • Free Online Banking & Online Bill Pay
  • Free Mobile Banking
  • Consumer Loan Discount
  • No Set-up Fee for Ready Reserve
  • No Annual Fee Rewards Credit Card
  • … and much more



  Rewards Checking Interest Checking Free Checking
 
Special
Requirements
These 4 requirements must all
be met during each statement cycle to earn the special Rewards Checking interest rate:

  • 15 debit card transactions per statement cycle7
  • 1 monthly direct deposit OR
    1 monthly ACH debit7
  • Monthly eStatements
  • Enroll in Online Banking
None eStatements
Minimum
to Open
$25 $750 $25
Minimum
Daily Balance
None $750 None
Interest Yes, tiered:
  • Earn Rewards rate on balances up to $10,000
  • Earn Interest Checking rate on the portion of balances over $10,000
Yes None
Fall
Below Fee
N/A

If 4 requirements are not met, no interest is earned for that statement cycle
$10 N/A
Additional
Benefits
  • ATM Fee Rebate
    (up to $10)3
  • First order of checks free4
  • Online Scorecard
  • Free Online Banking
  • Free Bill Pay1
  • Free Mobile Banking
  • Free Debit Card2
  • ¼% Consumer
    Loan Discount with Autopay2, 6
  • Check images w/eStatements($3 paper statement fee)
  • Refer-a-Friend Rewards
  • No Ready Reserve Set-up fee2
  • No Annual Fee Rewards Credit Card2
  • Identity Theft Smart Available5
  •  
  •  
  •  
  •  
  • Free Online Banking
  • Free Bill Pay1
  • Free Mobile Banking
  • Free Debit Card2
  • ¼% Consumer
    Loan Discount with Autopay2, 6
  • Free PAPER statement w/images (eStatement available)
  • Refer-a-Friend Rewards
  • Ready Reserve Available2
  • No Annual Fee Rewards Credit Card2
  • Identity Theft Smart Available5
  •  
  •  
  •  
  •  
  • Free Online Banking
  • Free Bill Pay1
  • Free Mobile Banking
  • Free Debit Card2
  • ¼% Consumer
    Loan Discount with Autopay2, 6
  • Check images w/eStatements($3 paper statement fee)
  • Refer-a-Friend Rewards
  • Ready Reserve Available2
  • No Annual Fee Rewards Credit Card2
  • Identity Theft Smart Available5

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Special Perks for Customers 55+

Choose the checking account that best meets your needs, and enjoy these EXTRA benefits:



Must be 18 or older to open Rewards Checking. Limit one Rewards Checking & Savings per person. Paper Statement is $3 unless noted as free. Savings excess withdrawal fee of $10.

  1. $5 monthly Bill Pay Inactivity fee after 60 days.
  2. Subject to approval.
  3. If the 4 Rewards Checking requirements are not met during any statement month/statement cycle, ATM fees will not be rebated that month.
  4. In house Bank checks.
  5. Fees may apply.
  6. Example: a checking customer with a $5,000 loan with an annual percentage rate (APR) of 7.31% enrolled in autopay would receive a ¼% interest rate discount. This would result in an APR of 7.06%.
  7. Posted transactions.

Refer-a-Friend: If you refer a friend and they mention your referral when they open a new account, you will receive $10 and your friend will receive a Bank gift.


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Business Checking Accounts

Financial tools to help your business succeed.

TWO Great Checking Accounts. Our Small Business Checking offers a generous activity allowance – up to 250 combined items – with no monthly fees. Businesses with larger volume and those who want to earn interest will enjoy Premier Business Checking. Both accounts provide a long list of additional benefits. See chart for more details.

Non-Profit Organization? Please choose the account that best meets your needs. Enjoy no monthly fees and many additional benefits when your account activity is below 250 items (Small Business Checking) or 500 items (Premier Business Checking). See chart for more details.

Cash Management Tools. We offer a comprehensive array of cash management tools to help you manage your finances – free online banking, free online bill pay, free mobile banking & mobile deposit, payroll processing, ACH origination, sweep options, remote deposit capture, merchant card processing, credit and debit cards, health savings accounts, retirement accounts and more. See chart for more details and talk with a banker to learn how these tools can meet your business needs.

Loans, Lines of Credit & More. When you need additional funds for your business, talk with us. We offer a variety of financing options to help you manage your cash flow needs, make purchases, fund your growth, acquire property and more – business loans & lines of credit, commercial real estate loans, equipment loans, agricultural loans – we want to partner with you to help you create greater success for your business.



Small Business
Checking
Premier Business
Checking
 
Special Requirements None Three Requirements:
eStatements
Online Banking
1 Monthly ACH Debit or
Direct Deposit
Minimum to Open $100 $100
Minimum Daily Balance
Requirement
None None
Interest None Yes, tiered:
(based on daily balance)
$0 - $24,999
$25,000 - $99,999
$100,000 - $249,999
$250,000+
Volume Parameters Up to 250 combined items
per statement cycle, including:
deposits, deposited items,
checks & debits of any type.
Up to 500 combined items
per statement cycle, including:
deposits, deposited items,
checks & debits of any type.
Monthly Fees None. If volume exceeds 250 during
the statement cycle, there is a $25 fee
plus $.20 for each item over 250.
None. If volume exceeds 500 during
the statement cycle &/or if the 3
requirements aren’t met, there is a $25
fee plus $.20 for each item over 500.
Additional Benefits
  • Free Online Banking
  • Free Bill Pay 1
  • Free Mobile Banking &
    Mobile Deposit
  • Free Business Debit Card 2
  • Check images w/eStatement
    ($5 paper statement fee)
  • Business LOC Available 2,3
  • Rewards Credit Card 2,3
  • Cash Management Services: 2,3
    Payroll Processing
    ACH Origination
    Sweep Options
  • Remote Deposit 2,3
  • Merchant Card Processing 3
  • Free Online Banking
  • Free Bill Pay1
  • Free Mobile Banking &
    Mobile Deposit
  • Free Business Debit Card 2
  • Check images w/eStatement
    ($5 paper statement fee)
  • Business LOC Available 2,3
  • Rewards Credit Card 2,3
  • Cash Management Services: 2,3
    Payroll Processing
    ACH Origination
    Sweep Options
  • Remote Deposit 2,3
  • Merchant Card Processing 3

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High Balance Rewards Package

 
If you maintain a $150,000 balance in your business checking account, you are eligible to receive these benefits with no monthly fee*:
• Remote Deposit No set up fee, no monthly scanner rental fee, no monthly service fee or transaction fees.
• Payroll Processing No monthly fees
• Gift Cards Up to 10 per year with no fee
• Safe Deposit Free Box (subject to availability)
*If your daily balance falls below $150,000, the following fees will apply that month:
Remote Deposit + $20 scanner rental fee + $50 monthly service fee + $.07 transaction fees; Payroll Processing + $20 per month.

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  1. $5 monthly Bill Pay inactivity fee after 60 days.
  2. Subject to approval.
  3. Fees may apply.