Essential Checking

Our most popular checking account created for your everyday needs and loaded with convenience.

Best for

  • Customers who want convenience
  • Customers who want an easy and simple way to manage their money

Account features

Our Essential Checking account comes with:

  • Bill Pay and Online Transfers
  • Mobile Check Deposit
  • Text Message Banking
  • Unlimited Check Writing
  • Digital Banking Options
  • Online Statements1
  • Access to over 35,000 Free ATMs2

Minimum Opening Deposit

Open with $25.00 deposit

Monthly Service Charge3

Avoid the $7.00 Monthly Service Charge by meeting one of the below qualifications:

  • You’re age 60+
  • You have deposits totaling $250.00 per statement cycle4
  • You maintain an average monthly balance of $1,000.00 per statement cycle5

Open an Account


1There is a $2 monthly fee for Paper Statements.
2 When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction, and you may be charged a fee for a balance inquiry at an ATM. “Out of Network” means ATM transactions occurring out of the MoneyPass or Shazam Privileged status ATM networks.
3Review the Essential Checking Fee Guide to see other fees associated with this account type.
4Excludes internal transfers.
5Average ledger monthly balance is determined by dividing the total aggregate ledger balance in the account by the number of aggregate days during the statement cycle.