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Personal Checking

Everyone has different checking styles and financial goals. We offer five personal checking accounts, each with features and options specific to your needs.

All personal checking accounts feature:
  • Complimentary Online Banking.
  • Complimentary Bill Pay.
  • Debit card (with no annual fee).
  • Surcharge-free ATMs at Money Pass or Allpoint nationwide.

$mart Cents Checking

Simply the safest and smartest way to bank!
  • Cell phone protection.
  • $hopping rewards.
  • Travel and leisure discounts.
  • Identity theft monitoring.
  • No minimum balance.
  • $6.95 monthly fee.
Ask us for more information!

Regular Checking

Regular Checking provides a secure account with unlimited check writing. Features include:
  • $100 minimum to open.
  • No service charge fee if $100 balance is maintained every day of the statement cycle.
  • Check images returned with statements.

Senior Account

A Senior checking account offers additional privileges for those over the age of 62. Features include:
  • No monthly minimum balance fee.
  • No service charge fees per statement cycle.
  • Complimentary checks (limit of 2 boxes per calendar year).
  • No issue fee on three cashier's checks or three money orders per month.
  • Check images returned in statements.

New Generation Checking

A New Generation Checking account is a basic account with unlimited check writing. Features include:
  • No minimum balance required to open account.
  • No service charge fees per statement cycle.
  • Monthly statement (check safekeeping).

NOW Account

NOW Accounts are perfect for those who want to earn interest and avoid a monthly service charge by maintaining a higher balance in the account. Features include:
  • Interest bearing.
  • $500 minimum to open.
  • No service charge fee if $500 balance is maintained every day of the statement cycle.
  • Interest is compounded daily and paid monthly.
  • Check images returned with statements.
Additional restrictions may apply.
* Fees may reduce earnings on these accounts

Money Market Account

A Money Market Account allows you flexibility and a competitive interest rate. Features include:
  • $2,500 minimum to open account.
  • No service charge fee if $2,500 balance is maintained every day of the statement cycle.
  • Interest is compounded daily and paid monthly.
  • Money Market rates paid on an escalating scale.
  • Check images returned with statements.
Additional restrictions may apply.
* Fees may reduce earnings on these accounts

Customer Service Line

Monday-Thursday: 8am - 5pm
Friday: 8am - 6pm
Local: 208.523.2020
Toll-Free: 800.477.9193