Skip to Content

Checking Accounts

Home Personal Checking

Choose the Account that Best Fits Your Life

Your path through life is unique, just like your finances. It deserves a checking account that helps you manage and maximize your money.

All of our checking accounts come with:

  • ATM/Debit Card
  • Online Banking
  • Text Banking
  • Mobile Banking
  • Mobile Deposit
  • Bill Pay
  • Finance Works
  • Purchase Rewards

    Checking Accounts

    See our latest checking account rates!

    Checking Accounts
     Free Personal CheckingNOW AccountCompanion CheckingLifeline 18/65Spinnaker
    This account is for you if...You need a basic checking account with no fees and access to online/mobile banking tools.You want to boost your money with interest without having to keep a super high balance.You want to make the most of your money with a companion Money Market or CD account.You are 18 or younger OR 65 and older and need an account with few restrictions and online/mobile tools.You expect balances over $10,000 and want our assistance in managing excess funds easily
    Benefits & Features

    No monthly fee or minimum balance

     

    Surcharge-free withdrawals at SUM, MoneyPass and Allpoint network ATMs*

     

    Deposits insured in full by FDIC and DIF

    Interest is earned from the day of deposit, compounded continuously, and paid monthly

     

    Unlimited check writing

     

    Surcharge-free withdrawals at SUM, MoneyPass and Allpoint network ATMs*

     

    Deposits insured in full by FDIC and DIF

    Pair with Companion Money Market Account

    OR pair with a Companion 6-Month CD

     

    Surcharge-free withdrawals at SUM, MoneyPass and Allpoint network ATMs*

     

    Deposits insured in full by FDIC and DIF

    No monthly fee or minimum balance

     

    Interest-bearing account

    Surcharge-free withdrawals at SUM, MoneyPass and Allpoint network ATMs*

     

    Deposits insured in full by FDIC and DIF

    Accompanied by Spinnaker Sailing Account, a tiered rate, interest-bearing account

     

    Funds exceeding $10,000 are automatically swept into the Spinnaker Sailing Account

    Unlimited check writing

     

    Surcharge-free withdrawals at SUM, MoneyPass and Allpoint network ATMs*

     

    Deposits insured in full by FDIC and DIF
    Limits and Fees (and how to avoid them)

    $10 required to open the account

     

    No monthly fee to worry about!

    $100 required to open account

     

    $8 monthly fee can be avoided by keeping a balance of $500 or more the entire month OR at least one direct deposit of payroll or social security

     

    APY1 is earned as long as $10 is in the account during the statement cycle

    $100 required to open account

     

    APY1 is earned as long as $10 is in the account during the statement cycle

     

    $10 monthly fee can be avoided by keeping a balance of $1,000 or more the entire month OR at least one direct deposit of payroll or social security

     

    Must receive eStatements

    $10 to open account

     

    No monthly fee to worry about!

    None!
    How to open**Open Online!Visit one of our branches!Open Online!Visit one of our branches!Visit one of our branches!

    *Non SUM, MoneyPass and Allpoint ATM networks may charge a separate fee

    **Opening an account online or in person requires a valid photo ID. If using a passport or valid photo ID has your incorrect physical address you need to provide one of the following for proof of address: Bill, mail, car insurance, bank statement, rental agreement, or new mortgage statement.

    1 APY = Annual Percentage Yield

    woman using credit card online

    Online Services

    Online Services
    father and daughter cooking

    Loan Rates

    Loan Rates

    Financial News, Local Events, Monetary Advice...

    

    March 22, 2019

    Spring has arrived – which means it’s time to get your home in tip-top shape. What cle…
    Read More...

    March 21, 2019

    Paying down your existing debt quickly is a good way to attain a higher credit score over …
    Read More...