Which Account is Right for You?
Comparison Tool
Let us handle your personal checking needs with one of our convenient personal checking accounts. We offer the following types of accounts to suit every budget and need.
| Advantage Checking |
Advantage Elite Checking |
Student/ Military/ Senior Checking |
Secure Checking |
|
| Minimum Opening Deposit | $50.00 | $1,000.00 | $10.00 | $50.00 |
| GO ANYWHERE Debit Card | Four waived transaction fees, per month*, when using another bank’s ATM. | Four waived transaction fees, per month*, when using another bank’s ATM. | Four waived transaction fees, per month*, when using another bank’s ATM. | Four waived transaction fees, per month*, when using another bank’s ATM. |
| Online Banking & App | X | X | X | X |
| Free Online Bill Pay1,5 | X | X | X | X |
| Free Mobile Deposit1 | X | X | X | X |
| Unlimited Check Writing4 | X | X | X | X |
| Account Earns Interest2 | X | X | ||
| Cell Phone Protection1,3 | Up to $300 per claim | |||
| 24-hour AD&D Insurance1 | Up to $10,000 accidental death & dismemberment coverage | |||
| Identity Theft Protection1 | Up to $10,000 in personal identity theft benefits and identity restoration, credit monitoring, identity monitoring, free credit reports, and credit score | |||
| Travel & Leisure Discounts1 | X | |||
| Buyer’s Protection & Extended Warranty1,3 | X | |||
| Health Discount Savings1 | Enjoy savings on vision, prescriptions, and dental | |||
| Fees to Consider | Avoid the $5 monthly maintenance fee by maintaining a $100 minimum balance each day and enrolling in eStatements (Electronic Statements) | Avoid the $5 monthly maintenance fee by maintaining a $100 minimum balance each day and enrolling in eStatements (Electronic Statements) | Avoid the $2 monthly maintenance fee by enrolling in eStatements (Electronic Statements) | Flat $6 monthly maintenance fee |
| Advantage Checking | |
|---|---|
| Minimum Opening Deposit | $50.00 |
| GO ANYWHERE Debit Card | Use at any bank's ATM, four times per month*, FREE of charge |
| Online Banking & App | X |
| Free Online Bill Pay1,5 | X |
| Free Mobile Deposit1 | X |
| Unlimited Check Writing4 | X |
| Account Earns Interest2 | |
| Cell Phone Protection1,3 | |
| 24-hour AD&D Insurance1 | |
| Identity Theft Protection1 | |
| Travel & Leisure Discounts1 | |
| Buyer’s Protection & Extended Warranty1,3 | |
| Health Discount Savings1 | |
| Fees to Consider | Avoid the $5 monthly paper statement fee by enrolling in eStatements |
| Advantage Elite Checking | |
| Minimum Opening Deposit | $1,000.00 |
| GO ANYWHERE Debit Card | Use at any bank's ATM, four times per month*, FREE of charge |
| Online Banking & App | X |
| Free Online Bill Pay1,5 | X |
| Free Mobile Deposit1 | X |
| Unlimited Check Writing4 | X |
| Account Earns Interest2 | X |
| Cell Phone Protection1,3 | |
| 24-hour AD&D Insurance1 | |
| Identity Theft Protection1 | |
| Travel & Leisure Discounts1 | |
| Buyer’s Protection & Extended Warranty1,3 | |
| Health Discount Savings1 | |
| Fees to Consider | Avoid debit item charges by maintaining a minimum balance of $1,000.00. |
| Student/ Military/ Senior Checking | |
| Minimum Opening Deposit | $10.00 |
| GO ANYWHERE Debit Card | Use at any bank's ATM, four times per month*, FREE of charge |
| Online Banking & App | X |
| Free Online Bill Pay1,5 | X |
| Free Mobile Deposit1 | X |
| Unlimited Check Writing4 | X |
| Account Earns Interest2 | |
| Cell Phone Protection1,3 | |
| 24-hour AD&D Insurance1 | |
| Identity Theft Protection1 | |
| Travel & Leisure Discounts1 | |
| Buyer’s Protection & Extended Warranty1,3 | |
| Health Discount Savings1 | |
| Fees to Consider | Avoid the $2 monthly paper statement fee by enrolling in eStatements |
| Secure Checking | |
| Minimum Opening Deposit | $50.00 |
| GO ANYWHERE Debit Card | Use at any bank's ATM, four times per month*, FREE of charge |
| Online Banking & App | X |
| Free Online Bill Pay1,5 | X |
| Free Mobile Deposit1 | X |
| Unlimited Check Writing4 | X |
| Account Earns Interest2 | X |
| Cell Phone Protection1,3 | Up to $300 per claim |
| 24-hour AD&D Insurance1 | Up to $10,000 accidental death & dismemberment coverage |
| Identity Theft Protection1 | Up to $10,000 in personal identity theft benefits and identity restoration, credit monitoring, identity monitoring, free credit reports, and credit score |
| Travel & Leisure Discounts1 | X |
| Buyer’s Protection & Extended Warranty1,3 | X |
| Health Discount Savings1 | Enjoy savings on vision, prescriptions, and dental |
| Fees to Consider | Flat $6 monthly maintenance fee |
Advantage Checking
Our most popular checking account with low maintenance fees and a low balance requirement.
- Anywhere banking tools (online, mobile app, bill pay, debit card, Mobile Advantage Capture and eStatements)1
- A $5.00 maintenance fee will be charged, if the daily balance falls below $100 any day of the statement cycle and is not set up to receive e-statements (Electronic Statements).
Advantage Elite Checking
A checking account that allows you to earn money with a competitive interest rate.
- Anywhere banking tools (online, mobile app, bill pay, debit card, Mobile Advantage Capture and eStatements)1
- Minimum Balance Fee of $7.00 will be charged if the daily balance falls below $1,000.00 any day of the statement cycle.
- Maintain a minimum daily balance of $1,000.00 in the account each day to obtain annual percentage yield3.
- A Debit Item Charge of $0.20 will be imposed for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of your account) if the balance in the account falls below $1,000.00 any day of the statement cycle.
- Additional interest3 may be added to your account by using select services – inquire for more details
Student/ Military/ Senior Advantage Checking
Low maintenance fees and no minimum balance requirement for students, military, or seniors.
- Anywhere banking tools (online, mobile app, bill pay, debit card, Mobile Advantage Capture and eStatements)1
- Account is for current students, active military personnel, military veterans and seniors age 62 years and older at account opening.
- A $2.00 maintenance fee will be charged if the account is not set up to receive e-statements (Electronic Statements).
SECURE Checking
Secure Checking makes it simple to keep your finances safer and take advantage of smart discounts on financial services and everyday purchases.
- Anywhere banking tools (online, mobile app, bill pay, debit card, Mobile Advantage Capture and eStatements)1
- Earns Interest (minimum balance of $0.01 to earn interest)2,3
- IDProtect® - Identity Theft Protection Service1
- Credit File Monitoring1 - daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports
- Total Identity Monitoring1 - monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others
- Cellular Telephone Protection1,3,4
- Debit Advantage™ Buyer’s Protection and Extended Warranty1,4
- Travel and Leisure Discount Membership1
- Health Discount Savings1 - enjoy savings on vision, prescriptions, dental
- $hopping Rewards™1
- 3-in-1 Credit Report1 - request new report every 90 days or upon receipt of a credit alert
- Credit Score1 - receive new single bureau credit score with every new credit report
- Fully Managed Identity Theft Resolution Services1 - access to a dedicated fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
- Identity Theft Recovery Case Plan - to inform you of the recovery process
- Up to $10,000 Identity Theft Expense Reimbursement Coverage1
- Debit and Credit Card Registration1
- Online Identity Theft News Center and Valuable Phone and Web Resources1
- Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance1
| 1 | Additional services require activation/ sign-up. Service provider charges may apply. Please inquire for more details and benefits included, |
| 2 | Interest varies and may require a minimum monthly balance. |
| 3 | Must be paid/ purchased entirely with this account. |
| 4 | Check printing fee may vary depending on style and quantity of checks being ordered. |
| 5 | If BillPay service becomes inactive for 90 days the service will be deactivated by the bank. |
| * A month is defined as a customers statement cycle |
Miscellaneous Terms & Fees
A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable. (Includes ACH or Internet Transfers)
A $2.00 service charge will be imposed to close the account if the account is open less than six (6) months.
If the account is closed before interest is credited, you will not receive the accrued interest.
At our discretion, the interest rate and annual percentage yield may change at any time – please contact us for available rates.
If account is not registered by the time the account cycles, the maintenance fee will apply.
Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.