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Checking Accounts

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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 18/65SpinnakerRewards Checking
    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 easilyYou want to earn interest on your checking account and be reimbursed for foreign ATM fees.
    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

    No monthly fee

     

    Interest is earned on the average monthly balance of the account**

     

    Foreign ATM fees can be reimbursed up to $20**

     

    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!

    $10 required to open the account

     

    APY1 is earned as long as $10 is in the account and the balance doesn’t exceed $15,000 on the last day of the statement cycle

     

    12 POS ATM signature based transactions, $10 minimum during the statement cycle

     

    Must receive a minimum direct deposit of $100 per statement cycle

     

    eStatements

     

    Enroll in Online Banking

     

    Not be delinquent on a loan more than 16 days

    How to open**Open Online!Visit one of our branches!Open Online!Visit one of our branches!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

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