Non-Interest Bearing Accounts

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institution to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you come to the bank to open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.


Preferred Choice Checking*

  • Minimum to open: $100.00
  • Unlimited transactions
  • No minimum balance required
  • No fee: account to account transfer
  • No Fee: POP Money
  • No fee: mobile deposit set up
  • ID Protect
  • Debit Advantage
  • Cellular Telephone Protection
  • Accidental death and dismemberment insurance
  • Travel and leisure discounts
  • $hopping Rewards
  • Health Discount Savings
  • Monthly service charge fee: $5.00
  • Electronic statement (eStatement) only

Preferred Choice Plus Checking*

  • Minimum to open: $200.00
  • All of the features of Preferred Choice Checking above plus:
    • Two personal check orders per year
    • 20% discount on safe deposit box
    • No fee for cashier’s checks (limited to 6 per month)
  • Monthly service charge fee: $10.00
  • Electronic statement (eStatement) only

Preferred Choice Plus 55 Checking*

  • Minimum to open: $200.00
  • All of the features of Preferred Choice Checking above plus:
    • Two personal check orders per year
    • 20% discount on safe deposit box
    • No fee for cashier’s checks (limited to 6 per month)
  • Monthly service charge fee: $5.00
  • Must be age 55 or older to open this account
  • Electronic statement (eStatement) only

Simple Choice Checking*

  • Minimum to open: $100.00
  • Monthly balance fee:
    • Direct deposit OR minimum balance $100.00 and over: No fee
    • Minimum balance $99.99 and under: $6.00 Fee
  • Electronic statement (eStatement) only

Personal Regular Checking*

  • Minimum to open:  $200.00
  • Monthly balance fee:
    • Minimum balance $700.00 and over: No fee
    • Minimum balance $699.99 and under: $7.00 fee
  • Traditional statement

Senior Checking*

  • Minimum to open:  $200.00
  • Monthly balance fee:
    • Minimum balance $200.00 and over: No fee
    • Minimum balance $199.99 and under: $2.00 fee
  • Traditional statement
  • One personal check order per year
  • Must be age 55 or older to open this account

Christmas Club

Take the stress out of your holidays with an easy savings plan that offers:

  • Minimum to open:  $5.00
  • Principal distributed by check or direct deposit annually in time for holiday shopping.**
  • This is a non-interest-bearing account
  • An annual statement is mailed in November each year
  • No monthly balance fee

*This account also includes:

  • Free 24/7 telephone banking
  • Unlimited check writing
  • Free online banking & mobile deposit

**Please refer to the Truth in Savings Disclosure for additional conditions that may apply.