Non-interest Checking Account Options

Browse our non-interest bearing checking accounts below to help determine which account is right for you. If you have any questions, please do not hesitate to contact us. We are here to serve YOU!

If you know which account is right for you, begin the application process by clicking the link below. After we receive your application, a customer service professional will contact you to complete the process. You will need to bring 2 forms of identification and personally visit one of our locations to finalize your account.

Consumer Account Application


Regular Checking Account

  • Minimum opening deposit - $100
  • Unlimited deposits and check writing
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • $5.00 service charge applies every statement cycle if average daily balance falls below $500 during the statement cycle. Service charge WAIVED if receiving E-Statements or Direct Deposit or if average daily balance of deposit accounts with the Bank are $25,000 or greater.
  • Visa Debit Card – $1.00 per card per statement cycle. Fee WAIVED if receiving E-Statements or Direct Deposit. Card Subject to Approval
  • FREE Online Bill Pay
  • Monthly statement with images
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements or overall deposit relationship is $25,000.00 or more
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed

Basic Checking 

  • Minimum opening deposit - $100
  • Unlimited deposits and check writing
  • Great for customers who do not receive a Direct Deposit
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • No service charge
  • Free Visa Debit Card (limit 2 free cards per account; each additional card $1.00 per card per statement cycle). Card Subject to Approval
  • FREE Online Bill Pay
  • Monthly statement – images received with E-Statements only
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements or if overall average daily balance in deposit relationship is $25,000.00 or more
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed.

Student Checking 

  • Minimum opening deposit - $50
  • Unlimited deposits and check writing
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • Full-time students age 26 and under
  • Visa Debit Card – $1.00 per card per statement cycle. Fee WAIVED if receiving E-Statements or Direct Deposit. Card Subject to Approval
  • FREE Online Bill Pay
  • Monthly statement with images
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements or overall deposit relationship is $25,000.00 or more.
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed


Overdraft Protection is available for Regular Checking account - Subject to Approval.

For more information regarding Overdraft Protection and our standard overdraft practices, please click here or contact any of our convenient locations.