Free Checking
Designed for anyone who needs a no-frills account with just the basics.
Minimum to open $50.

Benefits    
- CheckPlus Debit MasterCard® Card
- Telephone Banking
- One Statement Banking
- banking@home
- Overdraft Access*
- Check Safekeeping
- No per debit fee
- No monthly maintenance fee
- No minimum balance required.
- Plus Package available
- e-statements
- Member FDIC

Fees    
Bill Pay is free with e-statement otherwise $2.95/month

*Subject to The Overdraft Access Policy, which is not a contract or obligation of the bank to pay overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means when insufficient funds exist in an account, but a method of making decisions on paying and returning these transactions to provide better customer service. Our regular overdraft fee of $26.00 will apply to each item paid under this Policy. Repayment of the overdraft amount is expected immediately. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Please see the Overdraft Access Policy Description available from any branch office. The bank reserves the right to withdraw this service at anytime.