Compare Checking Accounts

We offer 5 different types of checking accounts. From accounts that help you avoid paying fees to interest paying accounts, we offer a plan that's perfect for you. Let us help you decide which one works for you.


  Essential Essential Plus *IDEAL Rewards Premier Premier Plus 55
Which account is right for me?

FREE checking for everyone.

Essential checking plus competitive interest. Interest checking for everyone.

IDEAL for debit card & online banking users.

Earn premium interest for higher balance customers. Premier Checking for those more than 55 years old. Because you've earned it!
Do I need a minimum balance? NO  $2,500 in this account or in related accounts (including loans)  

NO 

$5,000 Average Balance 

NO ( with monthly $500 Direct Deposit) 
Will I earn interest?

NO

 YES  

Yes ( if you qualify):
- 15 Debit Card Transactions excluding ATM
- 1 Direct Deposit OR 1 Automatic Payment 
- Access Online Banking
- e-Statement Received

 YES
Tiered Interest
 YES
Tiered Interest
Free debit card?  YES  YES   YES   YES   YES 
Free e-Statements?  YES  YES  YES    YES  YES  OR FREE paper statements (with monthly $500 Direct Deposit
Easy to be free? FREE  $2,500 Balance (in this account or related accounts)
AND
Direct Deposit
(waives $5.95/mo.) 
FREE $5,000
Average Balance
(waives $5.95/mo.) 
1 Direct Deposit of at least $500 per month
(waives $5.95/mo.) 
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To qualify for higer interest on balances from $1 to $15,000 and unlimited ATM free refunds (U.S. Only) for IDEAL Rewards Checking, all 4 qualifications must be met within a statement cycle. If qualifications are not met, the account will earn a lower rate of interest and the ATM fees will not be refunded. The qualifying process automatically begins at the start of a new statement cycle and this account will always earn interest. All personal checking accounts are for personal use only. Business, corporate and non-profits do not qualify for personal plans. Bank rules and regulations apply. Minimum required opening deposit for personal accounts is $50. Optional paper statement cost of $2.95 per statement. All interest rates subject to change.

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