Personal Accounts

Basic Checking
Regular Checking
Regular Plus Checking
Interest Checking
Interest Plus Checking
Golden Checking
Golden Plus Checking
Personal Money Market
Regular Savings
Premium Savings
Youth Savings
Health Savings Account
Certificate of Deposit
Traditional Individual Retirement Account

Basic Checking

$100 to open
Write up to six checks per month
($.25 each thereafter)
No monthly maintenance fee with $300 daily balance
($4 otherwise)

Regular Checking

$100 to open
Unlimited check writing
No montly maintenance fee with $750 daily balance
($8 otherwise)

Regular Plus Checking

$100 to open
Unlimited check writing
No monthly maintenance fee with $5,000 daily balance
($8 otherwise)

Interest Checking

$500 to open
Interest Bearing
Must maintain $1,000 to obtain disclosed APY
Unlimited check writing
No monthly maintenance fee with $1,000 daily balance
($8 otherwise)

Interest Plus Checking

$500 to open
Interest Bearing
Must maintain $10,000 (combined balances) to obtain disclosed APY
Unlimited check writing
No monthly maintenance fee with $10,000 daily balance
($8 otherwise)

Golden Checking

$100 to open
Age 50 or older
Unlimited check writing
No monthly maintenance fee with $500 daily balance or a monthly direct deposit
($8 otherwise)

Golden Plus Checking

$1,000 to open
Age 50 or older
Unlimited check writing
No monthly maintenance fee with link to same-named money market account
($8 otherwise)

Personal Money Market

$1,000 to open
Interest Bearing
Must maintain $2,500 to obtain disclosed APY
Six free preauthorized withdrawals (three by check, draft, debit card or point of sale transaction) each statement cycle
No monthly maintenance fee with $2,500 daily balance
($10 otherwise)

Regular Savings

$100 to open
Interest Bearing
Must maintain $300 to obtain disclosed APY
Six free preauthorized withdrawals (three by check, draft, debit card or point of sale transaction) each statement cycle
No quarterly maintenance fee with $300 daily balance
($6 otherwise)

Premium Savings

$1,000 to open
Interest Bearing
Must maintain $10,000 to obtain disclosed APY
Six free preauthorized withdrawals (three by check, draft, debit card or point of sale transaction) each statement cycle
No quarterly maintenance fee with $10,000 daily balance
($10 otherwise)

Youth Savings

$50 to open
18 years of age or younger
Interest Bearing
Must maintain $50 to obtain disclosed APY
Six free preauthorized withdrawals (three by check, draft, debit card or point of sale transaction) each statement cycle
No quarterly maintenance fee with $50 daily balance
($6 otherwise)

Health Savings Account

$100 to open
Interest Bearing
Allows the use of tax-free distributions for qualified medical expenses in conjunction with a High Deductible Health Plan (HDHP)
Minimum balance of $500 to obtain annual percentage yield (APY)
Fees vary based on account balance

Certificate of Deposit (CD)

$1,000 to open
Terms are 7 days to 24 months
Interest paid monthly, quarterly or annually
Must maintain $1,000 to obtain disclosed APY
Automatic interest payments can be made to your checking or savings account
Penalty for early withdrawal

Traditional Individual Retirement Account (IRA)

$1,000 to open
Must maintain $250 to obtain disclosed Annual Percentage Yield (APY)
No maintenance fee
Lets you defer taxes on the earnings on your contributions until you withdraw them
You must be under age 70 1/2 and earning income for the entire tax year
Tax penalties may apply for early withdrawal

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, date of birth, and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

Lost or stolen credit/debit card? Click here for helpful information.