Checking Accounts

Click on “more” and “hide” to view and hide additional details about each account type.

Account Type Opening Balance Minimum Balance Requirements Monthly Service Charge Interest Bearing
Regular Checking
More»
$50  $600  $6 if balance falls below $600  No 

Regular and Business Checking

This is one of our most popular checking accounts. With a minimum deposit of $50, it's ideal for those who want unlimited check writing for a low service fee, and the service fee is even waived as long as you maintain a $600 balance. You will even receive a free statement organizer with this account to organize your statement images.

 
First Choice Checking
More»
$50  None  $8 maintenance fee  Yes 

1st Choice Checking

The ultimate in convenience and services! This is an interest-bearing account with features like free 1 st Choice Account checks, interest is paid monthly, free accidental death/dismemberment insurance, free cashiers checks, money orders, receive a discount on travel and gift cards, free notary service and a bonus rate on CDs for a low maintenance fee of $8.00.

Accidental Death/Dismemberment Insurance is not a deposit, not FDIC insured, not insured by any Federal Government Agency, not guaranteed by the bank and may go down in value. 

Super Now Checking
More»
$2,000  $2,000  $10 if balance falls below $2,000  Yes 

Super Now Checking

With a balance of $2,000 and above, there is no service charge. There is a charge of $10 if the account falls below $2,000 any day of the cycle. Your account earns interest which will be added monthly – and you still get the service and convenience of a checking account. Interest rate is subject to change.

 
Golden Years
More»
$50  None  None  No 

Golden Years Checking (for age 60 and over)

Our Golden Years account has been designed to save you time and money on the services you value most. You can open this account with $50, and your checks are always free! You also receive free notary service, cashiers checks, receive a discount on travel and gift cards, a 10% discount on safety deposit box rent and no monthly service charge.

 
ETA Account
More»
None  Direct Deposit Only  $3 monthly charge  No 

ETA Account (Direct Deposit Only)

This account is for direct deposit customers only. There is no minimum deposit required. You are allowed 6 withdrawals per month (ATM or withdrawals) and there is a $3.00 monthly service charge. No checks are written on this account.

 
Business Checking
More»
$50  $600  $6 if balance falls below $600  No 

Regular and Business Checking

This is one of our most popular checking accounts. With a minimum deposit of $50, it's ideal for those who want unlimited check writing for a low service fee, and the service fee is even waived as long as you maintain a $600 balance. You will even receive a free statement organizer with this account to organize your statement images.

 
First Premium
More»
$50  None  None  Tiered - Rate subject to change weekly 
 
First Reward
More»
$50  None  None  Tiered - Rate subject to change 
 
Inquire about any of these accounts
View our Deposit Account Rates

Customer Overdraft Policy

An insufficient balance may result from A) the payment of checks, electronic fund transfers or other withdrawal requests; B) payments authorized by you; C) the return, unpaid of items deposited by you; D) the imposition of the Bank's Funds Availability Policy, are treated as not yet "available" or paid. We are not obligated to pay any item present for payment if your account does not contain sufficient collected funds. We will approve an overdraft for you in an amount for the type of account that you have opened. This limit includes our non-sufficient funds and/or overdraft (NSF/OD) charges of $30.00 per item. Accounts must be open for more than 30 days with regular deposits made. At the banks discretion, we may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you.