Checking Accounts

Overview

Deposit services are usually taken for granted in this age of banking competition. We believe, however, that this product is at the core of banking and meeting customer needs. We pride ourselves on accurate service, competitive rates, and personal attention to your account.

Checking Account needs vary with the individual. That is why we have designed a complete line of checking accounts to meet a wide variety of customer needs. Whether you have limited checking activity or like to earn interest on your account, we have a checking product for you. All our checking accounts receive Convenience Banking, including Online Banking, Bill Pay, and a MasterCard® Check card.

Apple Advantage Checking Account

The a la-mode of a great checking account. Our Apple Advantage Checking account rewards you with high interest on your balance.

4.07% APY on balances up to $20k
0.05% APY on balances over $20k
0.01% APY if qualifications are not met

EACH MONTHLY QUALIFICATION CYCLE:

Have at least 15 debit card purchases post and clear.
Have at least one direct deposit or automatic loan payment.
Receive eStatements.

That's it! Open your Apple Advantage Checking account today!

*4.07% Annual Percentage Yield (APY) paid on balances between one penny and $20,000, and .05% APY paid on all amounts above $20,000 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.01% APY. Rates as of May 1, 2024. We may change the Interest rate and APY at any time after the account is opened. No minimum balance is required. Available to personal accounts only and limited to one account per customer. Fees could reduce earnings.

FREE Checking Account

Our Free Checking account requires no minimum balance, assesses no monthly fees, and no per check charge – an account that is totally free!

No minimum balance or opening balance required
No monthly maintenance fees
Unlimited check writing
Unlimited transactions
Free Online Banking
Free Bill Pay
Free Telephone Banking
Check images returned with statement
MasterCard Debit Card only $1.00 per month

NOW Checking

Our NOW checking account earns interest on your account balance.

No fee when a minimum balance of $1,000 or average balance of $2,000 is maintained ($5.00 maintenance fee if below minimum.)
Earns interest
Unlimited check writing
Unlimited transactions
Free Online Banking
Free Bill Pay
Free Telephone Banking
Check images returned with statement
MasterCard Debit Card only $1.00 per month

Community Club Checking

Community Club is for persons aged 50 or better who maintain a $5,000 deposit relationship are eligible to receive many additional benefits, for example:

Bonus interest rates on CDs and checking accounts
Free printed checks - up to 300 per year
Free ATM or MasterCard Check Card
Reduced rate on yearly safety deposit box fee
Free cashier checks and money orders
Free Online Banking, Free Bill Pay and Free Telephone Banking
Free notary and signature guarantee
Social opportunities like informational seminars, trips, card parties and bingo
Free newsletter and more…