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Checking Account Information

Reward Checking

Free Checking account that earns interest and pays your ATM charges

Earn 5.01% APY* if account requirements are met and receive a refund for your ATM charges.*

What happens if the requirements are not satisfied during a cycle? You still receive interest but at a lower rate of 0.25%, ATM fees are not reimbursed, but the account is still free. But don't worry; you can start over next month on meeting the requirements!


Minimum Monthly Activity Required to Receive Interest.
  • Ten Debit Card Transactions (excluding ATM transactions)
  • Process One Online Bill Payment via Netteller or 3rd Party Electronic Payment from Account***
  • Receive Account Statement Electronically via Netteller EZ-Notice
* APY - Annual Percentage Yield. Rate as of January 17, 2007. If requirements are met you will receive 5.01% (5.01% APY) on balance through $25,000, 1.01% (1.01% APY) on the portion of balance over $25,000, and all ATM fees generated within the United States will be refunded. If requirements are not met you will receive 0.25% APY on account balance, and no fees will be refunded.

**All Rates subject to change.

***Must clear during monthly statement cycle.

Community Checking

Free checking, no frills, no fuss. Just a great checking account.

Community Checking

An opportunity for a free NOW account that pays interest.

Good Life Club

50 or older to qualify



Accounts & Features Reward Checking Community Checking Community NOW Good Life Club
Unlimited checking Yes Yes Yes Yes
Minimum balance required to avoid monthly fee $0 $0 $1,000 $0
Monthly fee No No $5 $5
Interest paid Yes No Yes Yes
Free checks No No No Yes
Free Internet banking with free bill pay Yes Yes Yes Yes
Free VISA® check card Yes Yes Yes Yes
Free safe deposit box for one year With direct deposit With direct deposit With direct deposit With direct deposit
Bounce protection Yes Yes Yes Yes
Additional benefits Yes No No Yes
Check safekeeping Yes Yes Yes Yes
10% Discount on lock box No No No Yes
Free travelers checks No No No Yes
Free money orders No No No Yes
Free cashiers checks No No No Yes
An additional .25% above FRSB advertised certificate of deposit rates No No No Yes
Social activities No No No Yes
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