Essential Checking Account

Easy and Essential Checking

Our Essential Checking has all the necessary services to make life easy with a low minimum opening deposit and no minimum balance requirements.

 

Essential Checking offers a full suite of checking services, including:

    • $5 Minimum Opening Deposit
    • Subject to a monthly maintenance fee of $3.00. This fee will be waived if:
      • The primary account owner is age 65 or over; OR
      • The account is signed up for e-statements.
    • Mobile Banking
    • Unlimited Check Writing
    • Free eStatements
    • Online Banking
    • Free Bill Pay
    • Instant Issue Debit Card
    • eAlerts
    • No Interest Paid

 

Normal check printing fees vary based on the style of the checks ordered.

A woman is holding a debit card for her checking account while shopping on her tablet.

Essential Plus Checking Account

Essentials plus Interest Checking

If earning interest is important, our Essential Plus Checking is right for you! It has all the benefits of our Essential Checking PLUS interest.

A checkbook sits next to three twenty dollar bills and some change.

Essential Plus Checking offers a full suite of checking services, including:

    • $2,500 Minimum Opening Deposit
    • Subject to a monthly maintenance fee of $13.00. This fee will be waived if:
      • The primary account owner is age 65 or over & you maintain a minimum average daily balance of $2,500 during the statement cycle; OR
      • The account is signed up for e-statements & you maintain a minimum average daily balance of $2,500 during the statement cycle.
    • Mobile Banking
    • Unlimited Check Writing
    • Free eStatements
    • Online Banking
    • Free Bill Pay
    • Instant Issue Debit Card
    • eAlerts
    • Earns Interest

 

Normal check printing fees vary based on the style of the checks ordered.

Essential Start Checking Account

Teen Checking

Whether your teen is starting their first job or heading off to college, opening a check-less Teen Checking account is a responsible way for teens to manage their own money with parental guidance. Establishing a checking account for your teen will help introduce good saving habits, responsible expense tracking and a sense of independence.

Essential Start Checking- Smarter Banking Built for Teens:

  • Designed for teens ages 13 to 17
  • Checkless account
  • Minimum to open - $1
  • Joint account access by parent or guardian
  • Instant Issue Debit Card
  • No NSF fees
  • Automatically converts to an Essential Checking at the age of 18

Essential Start is a checkless account in which the primary owner must be between 13-17 years of age. A $1 minimum opening deposit is required & a parent or guardian must be on the account. This account prevents you from overdrawing in most cases, however there may be times the account could have a negative balance. For example: if you use your card for dinner and then add a tip, you may have a negative balance, if when the full payment goes through there are not enough funds in the account to cover the full amount, but we will not charge you an overdraft or NSF fee. Other bank fees still apply.

 



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