Personal Checking

Free Checking

Our free checking is great for young people starting out or for people who are always on-the-go. The extra funds you keep from not paying monthly fees on our Free Checking Account will allow you to start and keep adding to your savings account. Minimum to open: $0 Monthly service charge: $0 Minimum balance to avoid monthly service charge: $0 Interest earning: None Number of checks: Unlimited Unlimited ATM/Debit transactions: Yes Combined statement with free check safekeeping: Yes Free online banking: Yes Free online Bill Pay: Yes Free ATM/Checkcard5: Yes Complimentary checks: 1st order only No annual fee Ready Reserve6: Yes Free telephone banking: Yes

Interest Checking1,2

Our Interest Checking Account gives people the freedom to reach - and earn money. This account earns interest on the balance and has no service charge if you keep over $500 average balance in your checking account each statement cycle. Minimum to open: $0 Monthly service charge: $7.50 Minimum balance to avoid monthly service charge: $500 average balance each statement cycle Interest earning: Yes Number of checks: Unlimited Unlimited ATM/Debit transactions: Yes Combined statement with free check safekeeping: Yes Free online banking: Yes Free online Bill Pay: Yes Free ATM/Checkcard5: Yes Complimentary checks: 1st order only No annual fee Ready Reserve6: Yes Free telephone banking: Yes

Choice Checking1,2

On the variety of checking accounts we offer, we definitely give you the freedom to choose. Our Choice Checking Account is for our customer that carries $5,000 or more in any combination of our deposit products. This account carries excellent perks and just may be the perfect option for you to choose. Minimum to open: $0 Monthly service charge: $15.00 Minimum balance to avoid monthly service charge: $5,000 combined minimum balance in qualifying accounts Interest earning: Yes Number of checks: Unlimited Unlimited ATM/Debit transactions: Yes Combined statement with free check safekeeping: Yes Free checks (specialty): Yes Free online banking: Yes Free online Bill Pay: Yes Free ATM/Checkcard5: Yes No annual fee Ready Reserve6: Yes Free telephone banking: Yes Special Services: Free cashier’s checks Free money orders