Checking

Checking designed with you in mind

We offer the kind of checking account features we’d want for ourselves. Worried about ATM fees? We offer rebates of other banks’ surcharges*.  On the hunt for a free checking account? We’ve got you covered. Can’t make it to a branch? Our mobile app's always just a tap away.

*Click here for Value NOW Checking Rates

* Annual Percentage Yield (APY) of 0.005% is accurate as of date stated below. All rates, except fixed rate certificates of deposit, are variable and subject to change without notice and may change after account opening for each variable rate account. You must maintain a minimum balance of $10 in the account each day to obtain the disclosed APY. Fees and withdrawal may reduce earnings on accounts. The minimum daily balance tiers to earn the APY stated on this rate page reflects the full tier balance ranges for each appropriate tier. APY results when interest is left on deposit to compound daily on a basis of 365/365 days. All deposits are FDIC insured to at least $250,000. DIF insures all additional deposits.

Rates current as of 12/01/2022.

Click here for the Personal Fee Disclosure

Click here for the small print

1An 18/65 checking account with special benefits is available for individuals age 18 and under or 65 and older.

2Monthly Maintenance Fee waived if minimum daily balance is maintained.

3Monthly Maintenance Fee waived if minimum daily balance is maintained or if you have automatic direct deposit to this account. Direct Deposit is required at least once per monthly statement cycle to avoid the monthly fee.

4Overdrafts - (Overdraft Items or Returned Items by Check, ATM, Debit Card, POS Transactions, ACH, or other means.) Overdrafts not permitted on this account may occur.

We will not charge an insufficient fee under the following circumstances:

Returned Deposited Items - An item deposited to the account is returned unpaid and the amount of the item exceeds the balance in the account.

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.

5Fees may reduce the earnings on the account.

6Other ATM operators may impose a surcharge fee. Use our ATM Locator to find in-network (MoneyPass®) ATMs.

FDIC insures up to $250,000; DIF insures additional deposits.

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