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Personal Checking

  • Minimum Balance to Open $100.00
  • No Monthly Maintenance Fee
  • No Minimum Balance Requirement
  • Free Gateway Debit Card
  • Unlimited Check Writing
  • Free Online Banking with Bill Pay
  • Free Monthly Standard Text Statements or E-Mail Statements (Image Statement available at additional charge)
  • Free Initial Standard Check Order

Personal Plus Checking

  • Minimum Balance to Open $1,000.00
  • Minimum Balance to avoid a $12.00 Monthly Maintenance Fee (Daily $1,000 or $1,500 Average Monthly)
  • Unlimited Check Writing
  • Free Gateway Debit Card
  • Earns Interest on Daily Collected Account Balance
  • Free Online Banking with Bill Pay
  • Free Image Statements or Electronic Statements

Personal Reserve Checking (Package Account)

  • Minimum Balance to Open $5,000.00
  • Minimum balance to avoid $15.00 Monthly Maintenance Fee ($5,000 Minimum Daily Balance or Combined Average Monthly Balance of $15,000 (combination of any personal depository accounts) or Combined Loan Balances of $20,000 (combination of any personal outstanding loan balances)
  • Unlimited Check Writing
  • Free Gateway Debit Card
  • Free Online Banking with Bill Pay
  • A Tiered Interest Rate Account earns higher rates of interest established by the bank based on tier levels;
    Levels are as follows:
    • $           0 - $    4,999
    • $    5,000 - $  24,999
    • $  25,000 - $  99,999
    • $100,000 - $499,999
    • $500,000+
  • Bonus Rates on Personal CD’s
  • Free Standard Reserve Checks
  • Free Cashier Checks (Limit 3 per month)
  • Free Photocopies (maximum of 5 photocopies per week)
  • Free Image Statements or Electronic Statements
  • Free Notary Services
  • Safe Deposit Box Discount (upon availability)
  • Combined Statements Available
  • Earns interest on Daily Collected Account Balance (credit monthly)

Personal Gold Advantage Checking

  • For customers 50 or over
  • Minimum Balance to Open $100.00
  • No Minimum Balance Required
  • Unlimited Check Writing
  • Free Gateway Debit Card
  • Free Online Banking with Bill Pay
  • Bonus Rates on Personal CD’s
  • Free Standard Golden Checks
  • Free Cashier Checks (Limit 3 per month)
  • Free Photocopies (maximum of 5 photocopies per week)
  • Free Image Statements or Electronic Statements
  • Free Notary Services
  • Safe Deposit Box Discount (upon availability)
  • Combined Statements Available