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Simply Free Checking

A free account for everyone! It’s ideal if you’re under 50 and may have less than $1,500 in your account.

  • Minimum to open: $50
  • Minimum required balance: $0
  • Monthly service charge*: $0
  • Free first box of personalized checks
  • Free debit card
  • Free Online and Mobile Banking app**
  • Free Online Bill Pay     
  • Free monthly eStatements

The Simply Free Checking Account makes banking easy and accessible to everyone. When we say free, we mean it. You’re not required to maintain a minimum account balance, and you won’t pay a monthly service charge. Free checking is ideal if you’re looking for a no-obligation way to open a bank account.

*Other fees and restrictions may apply

**Message and data rates may apply

Advantage 50 Interest Checking

Growing older has its perks! If you’re 50 or over, this account may be your best option. 

  • Minimum to open: $50
  • Minimum required balance: $0
  • Monthly service charge*: $0
  • Free personalized checks for life
  • Free debit card
  • Free Online and Mobile Banking app**
  • Free Online Bill Pay
  • Free direct deposit and automatic payments
  • Free monthly eStatements

If you’re 50 or older, you’ll want to take a look at our Advantage 50 Interest Checking Account. This account not only lets you earn interest on your balance, but it also gives you free personalized checks for life. You’ll enjoy competitive rates and the added peace of mind that comes with no required minimum balance. 

As of 2/29/2024

Annual Percentage Yield (APY)***Interest Rate***
0.05%0.05%

*Other fees and restrictions may apply

**Message and data rates may apply

Direct Interest Checking

Let’s put your money to work! This interest-earning account comes with the convenience of direct deposit and automatic payments.

  • Minimum to open: $50
  • Minimum required balance: $0
  • Monthly service charge*: $0
  • Free first box of personalized checks
  • Free debit card
  • Free Online and Mobile Banking app**
  • Free Online Bill Pay
  • Free direct deposit and automatic payments

Do you have your paycheck directly deposited into your current checking account? Do you pay any bills through automatic withdrawal? Then our Direct Interest Checking Account is a fit for you. This account gives you everything the Simply Free Checking Account does, plus your money earns interest for banking the way you already do.

If you’re over 50, you’ll want to check out our Advantage 50 Interest Checking option.

As of 2/29/2024

Annual Percentage Yield (APY) ***Interest Rate ***
0.05%0.05%

***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.

*Other fees and restrictions may apply

**Message and data rates may apply

Preferred Interest Checking

Earn even more interest! This account gives you our highest interest rate.

  • Minimum to open: $50
  • Minimum required balance: $1,500
  • When your daily balance is at least $1,500, there is no fee
  • When your daily balance falls below $1,500, there’s a monthly fee of $7
  • Free personalized checks for life
  • Free debit card
  • Free Online and Mobile Banking app**
  • Free Online Bill Pay
  • Free direct deposit and automatic payments
  • Free monthly eStatements

Are you looking to earn as much interest as possible? Introducing the Preferred Interest Checking Account. This account is ideal if you plan to have at least $1,500 in it at all times. When you do, you’ll earn the highest interest rate we offer on a checking account — all while enjoying the benefits of free checking. 

Don’t worry if your balance falls below $1,500. You still earn our competitive interest rate.

As of 2/29/2024

Annual Percentage Yield (APY)***Interest Rate***
Balances Under $1,5000.05%0.05%
Balances $1,500 or more0.10%0.10%

***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.

**Message and data rates may apply.

Simply Free CheckingDirect Interest CheckingAdvantage 50 Interest CheckingPreferred Interest Checking
Account OverviewA FREE account for everyoneEarn interest with the
convenience of direct deposit
or any automatic payment
A perfect account for customers 50 and overAn account for those interested
in higher interest
Minimum Opening Balance$50$50$50$50
Minimum Balance RequiredYes
Monthly Service ChargeOnly $7 monthly charge if minimum daily balance falls below $1,500*
Interest BearingYesYesHigher interest rate with a daily balance of $1,500 or more competitive interest if balance falls below $1,500
ChecksFree box of checksFree box of checksFree checks for lifeFree checks for life
APY***.00%.05%.05%Balances under $1,500 – 0.05%; Balances $1,500 or more – 0.10%
Interest Rate***.00%.05%.05%Balances under $1,500 – 0.05%; Balances $1,500 or more – 0.10%

    *Monthly Service Charge will be assessed if balance falls below the Minimum Daily Balance Requirements anytime during the statement period.

    **Message and data rates may apply. Check with your cellular carrier for details.

    ***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.

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