Personal Checking

All checking accounts include a debit card of your choice, access to Online Banking & Bill-Pay, eStatements (optional, but recommended for security), and ATMs available in Monticello (5), Warren (2), Hermitage, and Hampton

Unlimited Checking

Economy Checking

No minimum balance requirement
Enroll in eStatements and service charge is $0
- If opt-out of eStatements at any time, monthly service charge is $4

Unlimited Checking with Benefits

Secure Checking Club

ID Protect
Cellular Telephone Protection
Travel & Leisure Discounts
Gas & Gift Cards
Shopping Rewards
$1,000+ eliminates service charge
$600- $999.99 is $4 monthly
<$600 is $6 monthly
- Service charge reduced $2 monthly if enrolled in & receiving eStatements

Secure Checking Additional Terms - The following additional terms apply to this account:

Benefits included with Account:

IDProtect ®
Up to $10,000 identity fraud reimbursement coverage for expenses associated with clearing the victim's name and repairing damaged credit following an identity theft event.
Identity theft recovery case plan for victims of identity theft, to inform them about the restoration of their identity.
Resolution services - includes toll-free access to a dedicated consumer fraud specialist that will learn about the victim's specific incident, will document their case and will advise on case resolution and will support the victim through full resolution of their identity.
Online identity theft education and news center, including valuable resources and prevention tips .*
Debit and credit card registration. *
Total Identity Monitoring. *
3-in-1 Credit Report - Credit Report can be requested every 90 days or upon receipt of a Credit Alert.*
Triple Bureau Credit File Monitoring.*
Credit Score - New Credit Score with every new Credit Report requested.*
Cellular Telephone Protection
Gas and Gift Cards
'Travel and Entertainment Discounts
$hopping RewardsTM*

* These benefits require member to register and activate or request benefit.

Classic 50

(for those age 50+)

No minimum balance requirement
No monthly maintenance charge
Free Checks
Free Notary Service
No issue charge for Money Orders
No issue charge for Cashier’s Checks

Interest-bearing Unlimited Checking

NOW Account

$500 minimum balance requirement
Interest-bearing account
$10 monthly service fee if minimum balance is breached

Rewards Checking

Key Features

Minimum Deposit: $100 to open
APY (Annual Percentage Yield):
Qualifying Accounts: 4.07% APY on balances up to $25,000
Balances over $25,000.01: 0.50% APY
Non-Qualifying Accounts: 0.05% APY
Monthly Fees: No monthly maintenance fee
Account Holders: Available for individual and joint-owned personal accounts
Account Limit: One Rewards Checking account per primary SSN
Free Services: • Online Banking & Bill-Pay • Mobile Banking with Mobile Deposit • eStatements • Visa® debit card • Unlimited check writing

How to Qualify for the High APY Rate

To earn the high APY, the following requirements must be met during each monthly qualification cycle:

Debit Card: 12 debit card purchases must post and settle.
eStatements: Must be enrolled in and agree to receive eStatements.
Bill-Pay: One Bill-Pay transaction must be transmitted and posted electronically.
Direct Deposit/ACH: One direct deposit or one ACH debit must post.

Important Notes

First Cycle: New accounts automatically qualify for the high rate during their first qualification cycle.
Bill-Pay Recommendation: To ensure customers qualify for the high APY in the second month, we recommend that they set up a recurring electronic Bill-Pay during their introductory cycle. This ensures a qualifying payment posts in the next cycle. *However, automatic recurring Bill Pays are not mandatory.
Non-Qualification: If an account doesn't qualify, it simply earns the lower 0.05% APY for that cycle. There's no penalty.
Account Downgrade: If an account fails to qualify for six consecutive months, it will automatically be converted to an Economy Checking account.
eStatement Opt-Out: If a customer opts out of eStatements at any time, the account will be converted to an Economy Checking account.
*The Economy Checking will have a $4 monthly fee if you opt out of eStatements
Communication: A summary is provided on each statement showing whether or not all qualification criteria was met to earn the bonus interest rate.

Limited Checking Accounts

SUPER NOW

6 free withdrawals per statement cycle, then $1 each
$1,000 minimum balance requirement
Interest-bearing account
$15 monthly service fee if minimum balance is breached

Rise Money Market

6 free withdrawals per statement cycle, then $5 each
$25,000 minimum balance requirement to earn interest with tiers:
- $25,000 - $99,999.99 pays 3.00% APY
- $100,000 - $499,999.99 pays 4.00% APY
- $500,000+ pays 4.30% APY
$15 monthly service fee if minimum balance requirement not maintained

*APY = Annual Percentage Yield

*Rates may change after account is opened

*Fees may reduce earnings

This limited-activity account has interest rate tiers that is designed to ‘rise’ as account balances grow. It’s a great place to ‘park’ savings and transfer into business or personal accounts as needed. It is not eligible for financial institutions or public entities seeking deposit collateralization.