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Personal Checking

Personal Banking

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Account TypeSmart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


Best If You Want

Smart
Checking
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An account that actually pays you

Smart Checking with Smart Savings
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Allows you to save additional interest

Student
Checking
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Starter account with ATM reimbursements

First Choice
Checking
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Simple, straightforward checking solution

Account Type


Monthly Service Charge

Smart
Checking
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$81

Smart Checking with Smart Savings
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$81

Student
Checking
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$02

First Choice
Checking
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$83

Account Type


Minimum Opening Deposit

Smart
Checking
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$50

Smart Checking with Smart Savings
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$50

Student
Checking
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$50

First Choice
Checking
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$50

Account Type


Visa® Debit Card

Smart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


Digital Banking (personal online banking)

Smart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


Bill Pay (available through personal online banking)

Smart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


Mobile Banking and Alerts

Smart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


Telephone Banking

Smart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


eStatements

Smart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


Direct Deposits

Smart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


Account Earns Interest

Smart
Checking
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Smart Checking with Smart Savings
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First Choice
Checking
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Account Type


Overdraft Protection

Smart
Checking
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Smart Checking with Smart Savings
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Student
Checking
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First Choice
Checking
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Account Type


Additional Information

Smart
Checking
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20 debit card purchases, 1 automatic payment, bill pay or direct deposit, and access Online Banking each monthly statement cycle; e-statements are required

Smart Checking with Smart Savings
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A Smart Savings account is required. 20 debit card purchases, 1 automatic payment, bill pay or direct deposit, and access Online Banking each monthly statement cycle; e-statements are required

Student
Checking
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ATM fee reimbursements of up to $25 per month.

First Choice
Checking
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3 check copies per monthly statement cycle at no charge

1Avoid the service charge by having at least 20 debit card purchases post and clear each monthly statement cycle, have at least 1 automatic payment, bill pay or direct deposit post and clear each monthly statement cycle, access online banking or mobile banking once each monthly statement cycle, and receive e-statements
2The account will be converted to the First Choice Checking account upon account holder reaching their 26th birthday.
3Avoid the $8 monthly statement cycle charge if any owner of the account is 62 years of age or older or by maintaining a $500 average daily balance or by signing up for e-statements

 

Account openings and credit are subject to Bank approval. Data rates apply. Nonsufficient fund fees of $37.00 per debit item may apply if you withdraw more funds than are available in your account. We may change the interest rate on your account at any time and without prior notice after the account is opened. If you close your account before interest is credited, you will not receive the accrued interest. If the account is closed within the first six months an early close fee will be assessed.