Your personal banking needs are unique.
Amazing things can happen when you have a financial partner who starts with heart. Since 1891, we’ve been investing in this community and the people we serve. We offer tools and resources—paired with a knowledgeable and experienced team—to support you on your unique financial journey. Together, let’s explore the pathway to possibility.
Checking Accounts
| Free Checking | Lifeline 18/65 Checking | Freedom Checking | Student Checking | Rewards Checking | Relationship Checking Plus | Relationship Checking Premier | |
|---|---|---|---|---|---|---|---|
| This account is for you if... |
You need a basic checking account with no fees and access to online/mobile tools. |
You are 18 or younger OR 65 and older and need an account with few restrictions and online/mobile tools. | This account provides benefits designed for veterans or first responders. The account holder must be a first responder, an active or retired military member, or the spouse of a military member or veteran. | You are a student between the ages of 13-25 on a journey to independence. |
You want to earn interest on your checking account and be reimbursed for foreign ATM fees. |
You are looking to earn rewards such as rebates on foreign ATM fees and first mortgage closings, along with free check orders. |
You are looking to earn rewards such as unlimited rebates on foreign ATM fees, free domestic wires and checks, as well as rebates on first mortgage closings.
|
| Benefits & Features |
No monthly fee or minimum balance
Surcharge-free withdrawals at SUM®, MoneyPass® and Allpoint® network ATMs2 |
No monthly fee or minimum balance
Interest-bearing account Surcharge-free withdrawals at SUM®, MoneyPass® and Allpoint® network ATMs2 |
No monthly fee or minimum balance
Interest-bearing account Surcharge-free withdrawals at SUM®, MoneyPass® and Allpoint® network ATMs2 |
No monthly fee or minimum balance
Foreign ATM fees can be
reimbursed up to $20 per statement cycle Surcharge-free withdrawals at SUM®, MoneyPass® and Allpoint® network ATMs2 |
No monthly fee
Interest-bearing account Foreign ATM fees can be reimbursed up to $20 per statement cycle1 Surcharge-free withdrawals at SUM®, MoneyPass® and Allpoint® network ATMs2 |
Interest-bearing account
Foreign ATM fees can be
reimbursed up to $8 per statement cycle5 $250 mortgage cost rebate3
Free check orders Surcharge-free withdrawals at SUM®, MoneyPass® and Allpoint® network ATMs2 |
Interest-bearing account
Unlimited Foreign ATM fees reimbursed6
$500 mortgage cost rebate4 Free check orders Free domestic wires Surcharge-free withdrawals at SUM®, MoneyPass® and Allpoint® network ATMs2 |
| Limits and Fees (and how to avoid them) |
$10 required to open the account
No monthly fee to worry about! |
$10 required to open the account
No monthly fee to worry about! |
$10 required to open the account
No monthly fee to worry about! |
$10 required to open the account
No monthly fee to worry about! |
Account requirements to earn 4.00% APY1 and up to $20 foreign ATM surcharge fees reimbursed.1 (If criteria not met, account will earn 0.01%.) |
$20.00 minimum balance fee (waived with
average daily balance)5 |
$20.00 minimum balance fee (waived with
average daily balance)6 |
1 The Annual Percentage Yield (APY) is 4.00% as of 6/1/24. Balances up to and including $15,000.00 will earn an APY of 4.00%. Balances in excess of $15,000.00 will earn an APY of 4.00% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10. To be eligible for the interest rates and APY and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements, a direct deposit of at least $100 per statement cycle, 12 debit card purchases processed and posted as a credit card with a minimum of $10 per transaction. Rate is subject to change. Fees may reduce earnings.
2 Non-SUM®, MoneyPass®, Allpoint® network ATMs may charge separate fees.
2 Non-SUM®, MoneyPass®, Allpoint® network ATMs may charge separate fees.
3 $250 mortgage cost rebate for first lien, primary residence only, see the following for further information: new loan must be current with payment obligations; new mortgage loan balance must be outstanding for more than 30 days to be eligible to receive the mortgage cost rebate benefit and have a Relationship Checking Plus account within 30 days of loan closing. Credit will be made to the Relationship Checking Plus account in the month following fulfillment of the requirements of the mortgage cost rebate benefit. Applicable loan types include residential mortgage loans, first lien, primary residence only.
4 $500 mortgage cost rebate for first lien, primary residence only, see below for further information: new loan must be current with payment obligations; new mortgage loan balance must be outstanding for more than 30 days to be eligible to receive the mortgage cost rebate benefit and have a Relationship Checking Premier account within 30 days of loan closing. Credit will be made to the Relationship Checking Premier account in the month following fulfillment of the requirements of the mortgage cost rebate benefit. Applicable loan types include residential mortgage loans, first lien, primary residence only. All deposits insured in full by FDIC and DIF.
5 You must maintain $1,000 average daily balance and $250 total monthly direct deposit per statement cycle, to this account. A Minimum Balance Fee of $20 will be imposed each statement cycle if the daily balance falls below $1,000 on any day of the statement cycle.
6 You must maintain $5,000 average daily balance and $500 total monthly direct deposit per statement cycle, to this account. A Minimum Balance Fee of $20 will be imposed each statement cycle if the daily balance falls below $5,000 on any day of the statement cycle.
5 You must maintain $1,000 average daily balance and $250 total monthly direct deposit per statement cycle, to this account. A Minimum Balance Fee of $20 will be imposed each statement cycle if the daily balance falls below $1,000 on any day of the statement cycle.
6 You must maintain $5,000 average daily balance and $500 total monthly direct deposit per statement cycle, to this account. A Minimum Balance Fee of $20 will be imposed each statement cycle if the daily balance falls below $5,000 on any day of the statement cycle.
Savings Accounts
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Statement Savings
Savings account with electronic transfer abilities
|
Holiday Club
Traditional savings account to save for additional expenses
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|---|---|---|
| Great for | Accessible savings | Traditional savings |
| Minimum to open | $10 | $10 |
| Monthly maintenance fee | No | No monthly maintenance fee. $5 penalty fee for closing or withdrawing before November 1st. |
See Fee Schedule for other Bank fees.
Money Market Account
|
Money Market
High-yield tiered interest with ability to access funds
|
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|---|---|
| Great for | Building your savings quickly |
| Minimum to open | $10 |
| Monthly maintenance fee |
$10 minimum balance fee waived with $1,000 minimum daily balance.
A minimum balance fee of $10 will be imposed each statement cycle if the daily balance falls below $1,000.
|
See Fee Schedule for other Bank fees.
Looking to open a Personal Checking or Savings account?
Or call us at 978-372-7731