Compare and Find the Best Options for Your Lifestyle
We understand your checking needs are different from your neighbors’. From checking accounts with no monthly fees to high interest earning accounts, we offer a variety of accounts with unique benefits and features.
Each checking account offers:
- Unlimited check writing
- Online Banking and Bill Pay access
- Free debit card
Compare Checking Accounts
All rates are effective as of November 22, 2022.
| Product | Simple Checking | Sterling Checking | First Rate Checking | Good Timers |
|---|---|---|---|---|
| Description | Checking account for people who want a low cost account that doesn't require a minimum balance. Statements include check images. | Checking account for people who want a low cost account that requires a low minimum balance. Statements include check images. | FREE checking account that offers a higher interest rate and free nationwide ATMs, if account requirements are met.1 Statements include check images. | Checking account that has many additional features. A great option to earn interest on a checking account and a waived fee for customers with investment dollars. Statements include check images. |
| Minimum Opening Deposit | $100.00 | $300.00 | $100.00 | $500.00 |
| Monthly Service Charge2 | No service charge when receiving eStatements. $4.00 charge per paper statement. | A fee of $8.00 will be charged if your average daily balance falls below $300.00 per statement cycle. | No service charges apply to this checking account. | A fee of $10.00 will be charged if your average daily balance falls below $500.00 per statement cycle. Free Money Orders. |
| Interest Bearing | No | No | Yes3 | Yes3 |
| Check Writing | Unlimited | Unlimited | Unlimited | Unlimited |
| Benefits | ||||
| Optional Overdraft4 | Yes | Yes | Yes | Yes |
| CyberScout5 | Yes | Yes | Yes | Yes |
| Online Banking6 | Free Online Banking | Free Online Banking | Free Online Banking | Free Online Banking |
| Bill Pay | $3.95 per statement cycle | Free online bill pay | Free online bill pay | Free online bill pay |
| Mobile Banking | Yes | Yes | Yes | Yes |
| Text/E-Mail Alerts | Yes | Yes | Yes | Yes |
| Visa® Debit Card | Free card with account | Free card with account | Free card with account | Free card with account |
1Must meet all 5 requirements to receive full interest: Access internet banking, receive electronic statements, minimum of one on-line bill payment accessed through our internet banking, minimum of 1 automatic debit or direct deposit, & minimum of 12 posted Visa Debit Card POS (Point of Sale) transactions per statement cycle of $5 or more . Limit of one First Rate Checking account per customer.
2$4.00 dormant account fee per month after 13 months of no activity.
3See current rate sheet for rates. Rates may change every Tuesday and interest is compounded monthly.
4There is a $35.00 fee for each debit or check paid. An overdraft fee applies to overdrafts created by check, in-person, withdrawal, ATM withdrawal, or other electronic means. For consumer accounts, we will not authorize and pay overdrafts or charge fees for overdrafts caused by ATM withdrawals or onetime debit card transactions if you have not opted-in to that service. We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. You will receive notification at 15 and 35 days if the overdraft hasn’t been repaid. If this still hasn’t been resolved at 60 days, your account will be closed.
5Provide identity theft solutions for each customer.
6Online Banking is required to receive your monthly checking account statement electronically. To receive electronic delivery service you must have a working connection to the Internet with e-mail capability and Adobe Reader®.
Checking Account Rates
First Rate Checking Account**
| Minimum Available Balance Requirement | Interest Rate | APY* | Minimum Deposit to Open Account |
|---|---|---|---|
| $0 to $24,999.99 | 2.97%*** | 3.00% | $100.00 |
| $25,000 & over | 0.10%*** | 0.10% | $100.00 |
| Apply Now | |||
Good Timers**
| Minimum Available Balance Requirement | Interest Rate | APY* | Minimum Deposit to Open Account |
|---|---|---|---|
| $0 to $4,999.99 | 0.01% | 0.01% | $500.00 |
| $5,000.00 to $9,999.99 | 0.01% | 0.01% | $500.00 |
| $10,000 to $29,999.99 | 0.01% | 0.01% | $500.00 |
| $30,000.00 to $49,999.99 | 0.05% | 0.05% | $500.00 |
| $50,000.00 to $99,999.99 | 0.10% | 0.10% | $500.00 |
| $100,000.00 & over | 0.45% | 0.45% | $500.00 |
| Apply Now | |||
*APY = Annual Percentage Yield
**Rates may change after the account is opened. Fees may reduce earnings.
***Must meet all 5 requirements per statement cycle to receive full interest: Access internet banking, receive electronic statements, minimum of one on-line bill payment accessed through our internet banking, minimum of 1 automatic debit or direct deposit, & minimum of 12 posted Visa Debit Card POS (Point of Sale) transactions of $5 or more. Limit of one First Rate Checking account per customer. Rate when requirements are not met is .01% APY. ATM surcharges still apply.