Personal Accounts

Simply Checking Account

  • $100 minimum opening deposit required
  • Balance fee of $5 if the average daily balance falls below $500 during the monthly statement cycle

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Next Generation Checking Account

  • Primary account owner must be between the age of 14 and 24
  • If the primary account owner is under 18 years of age an adult must be a joint account owner
  • $50 minimum opening deposit required
  • No monthly maintenance fee
  • No minimum balance requirement
  • Must enroll in Internet Banking and E-Statements to receive monthly statements electronically
  • A Paper Statement fee of $2 per monthly statement cycle will be charged, if you prefer to receive a paper statement by mail

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Relationship Checking Account

Designed for account holders with multiple accounts.

  • $2,000 minimum opening deposit required
  • Basic fee of $20 if the combined balance between your Checking, Savings, Certificate of Deposit or Money Market account falls below $2,000 on any day of the monthly statement cycle
  • This is an interest bearing account

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Liquid E-Checking Account 

Designed for account holders with high balances and the liquidity of a checking account.

  • $5,000 minimum opening deposit required
  • Balance fee of $20 if the balance falls below $5,000 on any day of the monthly statement cycle
  • Tiered interest rates based on account balance

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Personal Money Market Account

  • $2,500 minimum opening deposit required
  • Balance fee of $15 if balance falls below $2,500 on any day of the monthly statement cycle
  • Transfers to another account, or to third parties by preauthorized, automatic, or telephone transfer are limited to (6) per monthly statement cycle with no more than (6) by check, draft or similar order to third parties
  • An item fee of $10 per item will be assessed for any withdrawal item(s) in excess of (6) per monthly statement cycle
  • Tiered interest rates based on account balance

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 Personal Savings Account

  • $100 minimum opening deposit required
  • Balance fee of $5 if balance falls below $300 on any day of the monthly statement cycle
  • Transfers to another account, or to third parties by preauthorized, automatic, or telephone transfer are limited to (6) per monthly statement cycle
  • An item fee of $3 per item will be assessed for any withdrawal item(s) in excess of (6) per monthly statement cycle
  • This is an interest bearing account

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Youth Savings Account

  • Primary account owner must be age 18 or under
  • If the primary account owner is under 18 years of age an adult must be a joint account owner
  • $25 minimum opening deposit required
  • Balance fee of $5 if balance falls below $25 on any day of the monthly statement cycle
  • Transfers to another account, or to third parties by preauthorized, automatic, or telephone transfer are limited to (6) per monthly statement cycle
  • An item fee of $3 per item will be assessed for any withdrawal item(s) in excess of (6) per monthly statement cycle
  • This is an interest bearing account

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Additional Services

  • Free Internet Banking
  • Free E-Statements
  • Free Internet Bill Pay
  • Free Mobile Banking with Mobile Deposits (Data rates may apply)
  • Free Citizens On Call

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