Account Benefits | Free Checking | High Interest Checking | Friends Club Checking | Gold Checking |
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Minimum Balance | $0 | $0 | $10,000+ in household deposits | $1,000 minimum daily balance or combined relationship deposit balance of $5,000. |
Earns Interest (APY = Annual Percentage Yield) | 
| Up to 3.50% APY* | Up to 0.10% APY* | Up to 0.10% APY* |
No Service Fee | 
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| If balance falls below minimum, a $9 monthly basic fee (plus tax) will be assessed. |
Safe Deposit Box Discount (Contents Not FDIC Insured) |
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| 50% off any box rental | Free small box or credit toward larger box for one year |
Free Checks |
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| Introductory pack |
No Minimum to Open |
| $50 minimum deposit to |
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Unlimited Free Transactions at 40,000+ ATMs Nationwide (ATM Owners May Surcharge) |
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Free Personalized Debit Card |
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Qualifications |
| *To qualify for 3.50% APY on your balance up to $25,000 each monthly cycle: You must have an ACH deposit(s) greater than or equal to $500.00 and 15 Point of Sale (POS) or recurring debit card transactions greater than or equal to $10.00 each that have cleared during your monthly statement cycle. In addition, you must be signed up for online banking and enrolled in e-statements. Qualifying accounts with balances over $25,000 will earn 0.05% APY on the amount exceeding $25,000. If qualifications are not met no interest will be earned. | *Tiered Rates: See deposit rates Must be a Friends Club Member. To qualify you must be age 50 or better and meet the minimum balance listed above. Household deposits can be one account or a combination of accounts, including checking, savings, certificates of deposit, and Money Market accounts. | *Tiered Rates: See deposit rates Combined relationship balances are based on banking relationships of the first person listed on the accounts as an owner, joint owner, or sole proprietor. |
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APY = annual percentage yield. Rates effective 2/1/25 and subject to change. Fees may reduce earnings.