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Personal Checking Accounts

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Personal Checking Account

  • $100 needed to open the account
  • Unlimited check-writing privileges
  • 24-hour online banking and telephone banking with no monthly fee
  • Mastercard debit card (upon approval) with no monthly fee
  • No maintenance fees as long as a minimum of $500 average daily balance is maintained for the monthly statement cycle.
  • If the balance falls below $500 a service charge fee of $5 will be imposed

First Class Club Account

  • $100 needed to open the account
  • No minimum balance to maintain
  • Unlimited check-writing privileges
  • Free Checks (*limited to 2 orders, annually with First Class Club)
  • 24-hour online banking and telephone banking with no monthly fee
  • Cashback rewards
  • $5,000 Identity Theft Insurance
  • Payment Card Protection
  • Mastercard debit card (upon approval) with no monthly fee
  • A service charge fee will be charged to this account depending on the amount of accidental death insurance coverage obtained.
    • First Class Club ($10,000.00 coverage)– $8.00
    • First Class Plus ($20,000.00 coverage)– $10.00

First Class Checking Account

  • $100 needed to open the account
  • Unlimited check-writing privileges
  • 24-hour online banking and telephone banking with no monthly fee
  • Mastercard debit card (upon approval) with no monthly fee
  • No service charge
  • No minimum balance required
  • If average balance is below $500 and no activity for 6 months an inactivity fee of $5 will be imposed
  • No statement mailed, Free e-Statement

Classic 50

  • Must be 50 years of age or older
  • $100 needed to open the account
  • Unlimited check-writing privileges
  • 24-hour online banking and telephone banking with no monthly fee
  • Mastercard debit card (upon approval) with no monthly fee
  • No service charge on regular personal checking account
  • If average balance is below $500 and no activity for 6 months an inactivity fee of $5 will be imposed
  • Free Notary Service

Now Account

  • $1,000 needed to open the account
  • 24-hour online banking and telephone banking with no monthly fee
  • Mastercard debit card (upon approval) with no monthly fee
  • Unlimited check-writing privileges
  • No monthly maintenance fees with balance of $1,000 or more
  • If balance falls below $1,000 on any day in the monthly statement cycle a service charge fee of $7 will be imposed.
  • A minimum balance of $1,000 in the account each day must be maintained to obtain the disclosed annual percentage yield.
  • Interest will be compounded every day using the daily balance method. Interest will be credited to your account every month.

Money Market Investment Account

  • $1,000 needed to open the account
  • 24-hour online banking and telephone banking with no monthly fee
  • Mastercard debit card (upon approval) with no monthly fee
  • No monthly maintenance fees with balance of $1,000 or more
  • If minimum balance falls below $1,000 in the monthly statement cycle a service charge fee of $15
  • A service fee of $5 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a monthly cycle.
  • Interest will be compounded every day using the daily balance method. Interest will be credited to your account every month