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Personal Checking
You can manage your finances with convenient online and mobile services while still receiving the face-to-face support you know and trust. Explore personal checking options designed to fit a variety of everyday needs, with straightforward features and flexible ways to manage your money.
Hometown Checking
Simple, everyday checking for individuals and families who want straightforward features, paper statements, and no minimum balance requirement.
Choice Checking
A flexible, fee-free* option for busy customers who use their debit card often, prefer e-Statements, and want unlimited checks plus full online and mobile access.
Get Started Choice Checking
A checking account for students. Start managing money with zero monthly fees, unlimited transactions, and instant debit alerts.
Super NOW Checking
Great for professionals who keep at least $1,000 on hand and want their checking balance to earn dividend—without giving up debit card convenience.
Value Plus Checking
Ideal for individuals who maintain a $2,500+ balance and want tiered, high-yield earnings —with full access to funds for everyday use or major purchases.
Account Type
Min. Balance
Opening Deposit
Dividend
Bearing
Bearing
Benefits
Fees
No Required Minimum
$50
No
Monthly fee waived if the following requirements are met each statement cycle: Enrolled in eStatements and have at least 8 or more debit card purchases and either an automatic credit (Direct Deposit) or automatic debit (Payment) posted to your account
Maintenance Fee of $5.00 if requirements are not met
No Required Minimun
$50
No
First 40 checks are free
Free small lockbox for 1 year
No per check or debit fees
Free small lockbox for 1 year
No per check or debit fees
*Requirements and fee waived for individuals ages 16 until 23
No Required Minimum
$50
No
- Free paper statement
- 1 free money order per month and 1 free cashier check per month
- First 40 checks free
- 10 free photocopies per month
- Free small lockbox for 1 year
- 1 free money order per month and 1 free cashier check per month
- First 40 checks free
- 10 free photocopies per month
- Free small lockbox for 1 year
$4.95 Maintenance Fee
$1,000
$1,000
Yes, => $1,000
- Dividend on collected funds
- No per check or debit fees
- No paper statement fee if enrolled in eStatement or if a daily balance of $1,000 or more is maintained
- No per check or debit fees
- No paper statement fee if enrolled in eStatement or if a daily balance of $1,000 or more is maintained
Maintenance Fee of $8.00 if daily balance is < $1,000
$2,500
$2,500
Yes (tiered) starting at $2,500
- Dividend on collected funds
- No per check or debit fees
- First 40 checks are free
- No paper statement fee if enrolled in eStatements or if a daily balance of $2,500 or more is maintained
- No per check or debit fees
- First 40 checks are free
- No paper statement fee if enrolled in eStatements or if a daily balance of $2,500 or more is maintained
Maintenance Fee of $8.00 if daily balance is < $2,500
Choice Checking
Swipe, tap, and manage your account online—meet three easy monthly actions and this becomes a fee-free checking account with unlimited checks, and mobile deposit, all supported by our Hicksville, Auburn, Edgerton, and Grabill teams.
Account Information
- $50 opening deposit requirement
- No minimum balance requirement
- No monthly per check or debit fees
- No limit on the number of checks or electronic transactions
- $5 Monthly fee waived if the following requirements are met each statement cycle:
- Enrolled in eStatements
- And have at least 8 or more debit card purchases
- And either an automatic credit (Direct Deposit) or automatic debit (Payment) posted to your account
- Check Images are provided with statements for a nominal fee per your request (checks converted to ACH items are not included)
- First 40 checks are free
- Free safe deposit box for 1 year
Get Started Choice Checking
Perfect for students and first-time earners. This mobile-ready starter account has zero monthly charges, instant debit alerts, and spending controls built for life on campus. Learn smart money habits with convenient online and mobile tools.
Account Information
- $50 opening deposit requirement
- No minimum balance requirement
- No monthly per check or debit fees
- No limit on the number of checks or electronic transactions
- Requirements and fees waived for individuals ages 16 until 23
- Check Images are provided with statements for a nominal fee per your request (checks converted to ACH items are not included)
- First 40 checks are free
- Free safe deposit box for 1 year
Hometown Checking
Ideal for individuals who want everyday, no-minimum checking with straightforward pricing. Enjoy unlimited debit swipes, free standard checks, and branch support that feels like family. Manage paychecks, bills, and budgets in one place.
Account Information
- $50 opening deposit requirement
- No minimum balance requirement
- $4.95 maintenance fee
- Free paper statements
- 1 Free money order per month
- 1 Free cashier check per month
- First 40 checks free
- 10 free photocopies per month
- Free safe deposit box for 1 year
Super NOW Checking
Earn competitive dividend on balances over $1,000 while keeping full access to every dollar. Geared toward indiviuals who want a high-dividend, full-service checking account without transaction caps. Go paperless or maintain the minimum to waive the monthly fee and watch your funds grow.
Account Information
- $1,000 opening deposit requirement
- $1,000 minimum balance requirement
- No monthly per check or debit fees
- $8 maintenance fee if daily balance < $1,000 during the statement cycle
- Earns dividend on collected funds|balances =>$1,000
- No limit on the number of checks or electronic transactions
- Avoid a paper statement fee by enrolling in eStatements or maintaining a daily balance of $1,000 or more.
- Check Images are provided with statements for a nominal fee per your request (Checks converted to ACH items are not included)
Value Plus Checking
This tiered-rate, high-yield checking pays more as your money builds, yet still offers unlimited checks and instant transfers in our app. Keep $2,500 on hand to skip fees and maximize earnings without locking into a Share Certificate.
Account Information
- $2,500 opening deposit requirement
- $2,500 minimum balance requirement
- No monthly per check or debit fees
- $8 maintenance fee if daily balance < $2,500 during the statement cycle
- Earns dividend on collected funds
- Tiered dividend rates starting at $2,500
- First forty checks are free
- No limit on the number of checks or electronic transactions
- Avoid a paper statement fee by enrolling in eStatements or maintaining a daily balance of $2,500 or more
- Check Images are provided with statements for a nominal fee per your request (Checks converted to ACH items are not included)