Make Your Payments Easier! Save Time and Money!

Honest Checking allows you to make payments when, where and how you want to: Checks, Debit Cards, Bill Payments, and ATM's.


Product Information:

  • Low Minimum Balance to Open: $10
  • Monthly Maintenance Fee of $5
  • Overdraft and Non-Sufficient Funds (NSF) Fees*
  • No Inactivity Fees

*Overdraft Items or Returned Items by Check, ATM, Debit Card, POS transactions, ACH or other means are generally not permitted on this account, but may occur under the following circumstances:

  1. Returned Deposited Items - An item deposited to the account is returned unpaid and the amount of the item exceeds the balance in the account.
  2. Temporary Debit Authorization - On debit card purchases, merchants may initially authorize a transaction for a specified sum of money when the merchant does not know the exact amount of the purchase at the time the card is authorized. Some common transactions where this occurs involve purchases of gasoline, hotel rooms, or meals at restaurants. When this happens, our processing system cannot determine that the amount of the final transaction exceeds the actual balance of your account. When the final transaction amount is processed, the transaction may exceed the balance of your account, resulting in an overdraft.

We will not charge an insufficient funds fee under these circumstances.

Additional Terms: Accounts opened online require eStatements and enrollment in Online Banking.


  • Branch Access: free and unrestricted
  • Telephone Banking: free-account balances, recent transaction activity, transfers between accounts, 24/7
  • ATM In-Network Access: no ATM fees
  • ATM Out-of-Network Access: no ATM fees, excluding surcharge fees charged by other banks
  • Mastercard Debit Card: accepted everywhere credit cards are used, including ApplePay
  • Online & Mobile Banking: account balances and history, transfers, check images, electronic statements, Bill Payment, Money Minder (Budget and Savings Goals), Debit Card Controls & Alerts, Mobile deposit
  • Paper Checks Available

Easy to open a new account:

  • Open Online with valid driver’s license and social security number
  • Open In-Branch with valid driver’s license, permanent resident card, or two forms of alternate identification with proof of residency

Other financial services and products:

  • Notary Services
  • Wire Transfers (domestic and foreign)
  • Money Orders
  • Official Checks

All deposits are insured in full, Member FDIC and DIF.