Personal Checking Accounts

Checking accounts have long been considered the barometer for one's spending patterns.  And since everyone's patterns are not the same, we offer several convenient checking account options.  One is bound to make perfect sense for your banking needs.

  • e-Checking: Convenience at your fingertips!
  • Traditional Checking: For those accustomed to the traditional way of checking! 
  • Interest Checking:  The more you have in your account, the more interest you earn!
  • Direct Deposit Checking:  Another convenient product with numerous benefits. No fees with direct deposit activity.
  • Premium Investment Account:  For those who keep a higher balance and want a higher interest rate!!

All accounts feature free online access and easy-to-balance statements.

e-Checking 

  • Minimum Balance: None / $100 to open 
  • Monthly Service Fee: None 
  • Interest: None

Additional Benefits: 

  • ATM/ Debit card with no annual fee upon approval
  • Free eStatement delivery for home printing. Paper statements per fee schedule.
  • Free 24 hour online banking
  • Free Bill Pay with monthly use. (If no activity, $5.50/month.)
  • Surcharge free access to BEO and MoneyPass ATMs. ($1 foreign ATM usage fee in addition to applicable foreign ATM surcharges)
  • Two foreign ATM usage fee waivers per statement cycle.
  • Unlimited free electronic debits and credits.
  • Limit of 10 checks written per statement cycle. Additional checks charged at $1 each.
  • If balance is less than $25 for 90 consecutive days account will be converted to Traditional Checking.

Traditional Checking

  • Minimum Balance: $500 daily minimum balance / 100 to open
  • Monthly Service Fee: $7.00, if daily balance drops below $500
  • Interest: None

Additional Benefits:

  • ATM/ Debit card with no annual fee upon approval
  • Paper statements with images at no charge. eStatements available.
  • Free 24 hour online banking
  • Free Bill Pay with monthly use. (If no activity, $5.50/month.)
  • Surcharge free access to BEO and MoneyPass ATMs. ($1 foreign ATM usage fee in addition to applicable foreign ATM surcharges)
  • Unlimited check writing and electronic debits and credits.
  • One free box of stock checks annually.
  • ½ off safe deposit box rental with Automatic Transfer payment
  • Free Cashier’s Checks and Money Orders

Interest Checking

  • Minimum Balance:  $1,000 daily / $100 to open
  • Monthly Service Fee:  $10 if balance drops below $1,000
  • Interest:  Paid on all balances

Additional Benefits

  • ATM/Debit card with no annual fee upon approval.
  • Unlimited check-writing.
  • Free 24-hour online banking.
  • Free 24-hour telephone banking.
  • Free Bill Pay with monthly use.  (If no activity, $5.50/mo.)
  • Free access to BEO ATM machines and MoneyPass ATM's.  ($1 charge for use at foreign ATM in addition to applicable surcharge at ATM location.)
  • Safe deposit box at half price with automatic rental payments.
  • One Free box of stock checks annually.
  • Free check images returned with statements.
  • Free unlimited electronic debits.
  • Free Notary.

Direct Deposit

  • Minimum Balance:  None / $100 to open
  • Monthly Service Fee:  None with a direct deposit per cycle; $7.00 monthly fee without a direct deposit transaction. 
  • Interest: None

Additional Benefits

  • ATM/Debit card with no annual fee upon approval.
  • Unlimited check-writing.
  • Free 24-hour online banking.
  • Free 24-hour telephone banking.
  • Free Bill Pay with monthly use. (If no activity, $5.50/mo.)
  • Free access to BEO ATM machines and MoneyPass ATM's.  ($1 charge for use at foreign ATM in addition to applicable surcharge at ATM location.)
  • Safe deposit box at half price with automatic rental payments.
  • One Free box of stock checks annually.
  • Free eStatement delivery for home printing.  (Paper statements available without images at no charge.)
  • Free Direct Deposit.
  • Free unlimited electronic debits.
  • Free Notary.

Premium Investment

  • Minimum Balance:  $25,000 daily minimum balance / $25,000 to open
  • Monthly Service Fee:  $25 if daily balance drops below $25,000
  • Interest:  Paid on all balances

Additional Benefits

  • Unlimited check-writing.
  • Free 24-hour online banking.
  • Free 24-hour telephone banking.
  • Safe deposit box at half price with automatic rental payments.
  • One free box of stock checks annually. 
  • Free check images returned with statements.  (eStatements available)
  • Free cashier's checks, and personal money orders.
  • Free unlimited electronic debits.
  • Free Notary.
All service fees are subject to change. Please contact your New Accounts Representative for current fees and rate information.