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

Budget Account

• No minimum balance requirement
• $0.25 per check, substitue check withdrawal; no charge for withdrawals by debit card & ACH (foreign ATM fees apply for non-Commercial Bank ATMs)

Unlimited Checking with Benefits 

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 and 0% APR if minimum balance is breached

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 and 0% APR 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

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.