Checking Accounts made easy for you

E-Checking

Monthly Service Fee - $0 | Opening Deposit - $25 | Minimum Balance - $0

Courtesy Pay - Up to $400 with Direct Deposit* | Dividends - Not available

Bill Pay Service - Not available (Must upgrade to Choice Checking)

Requirements - Membership Account (Savings) & E-Statements

Choice Checking

Monthly Service Fee - $6 | Opening Deposit - $25 | Minimum Balance - $0

Courtesy Pay - Up to $400 with Direct Deposit* | Dividends Paid - On all balances

Bill Pay Service - Yes | Requirements - Membership Account (savings)

Value Checking

Monthly Service Fee - $3 | Opening Deposit - $25 | Minimum Balance - $0

Courtesy Pay - Up to $400 with Direct Deposit* | Dividends - Not available

Bill Pay Service - Not Available (Must upgrade to Choice Checking)

Requirements - Membership Account (savings)

Senior Checking

Monthly Service Fee - $1 | Opening Deposit $25 | Minimum Balance - $0

Courtesy pay - Up to $400 with Direct Deposit*

Dividends - On balances more than $200** | Bill Pay - Not Available (Must upgrade to Choice Checking)

Requirements - Membership Account (savings) | Must be age 65 or older

HSA Checking (Health Savings Account)

Monthly Service Fee - $0 | Opening Deposit - $5 | Minimum Balance - $0

Courtesy Pay - Not Available | Dividends - Not Available

Requirements - Membership Account (savings) | Bill Pay - Not Available

You will receive a HSA Card that can be used for purchases of health-related products or services

Additional Information

*Must apply and be approved. Requires direct deposit to checking account.

**Dividends are set the last month of each quarter by the Board of Directors.

Overdraft Courtesy Pay

When items try to clear and account with insufficient funds, Overdraft Courtesy Pay will pay each item up to the overdraft limit. Should you use Overdraft courtesy Pay, the item will be paid, and your account will be charged a fee for each item. This is the same fee we charge for insufficient fund checks that are returned unpaid (See Rate & Fee). Overdraft Courtesy Pay Privilege is not a line of credit. If you have overdraft protection already set up to come from another account or from a line of credit loan, these services will be assessed before the Overdraft Courtesy Pay is used. If you do not have these overdraft protection alternatives or there is not enough funds available in them to cover the item, the Overdraft Courtesy Pay will normally cover your overdraft (including the fee for each item) up to approved amount, and your account will show a negative balance . If the amount exceeds $400, the item will be returned unpaid, and an insufficient funds fee will be charged to your account. You must bring your account to a positive balance at least once every 30 day period.