Personal Checking

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Free Checking

  • MINIMUM BALANCE TO OPEN ACCOUNT: $100.00
  • REAL TIME ONLINE BANKING
  • 24/7 TELEPHONE BANKING
  • ELECTRONIC STATEMENT REQUIRED: If paper statement preferred, $6.00 monthly 


Merit Checking Account

  • MINIMUM BALANCE TO OPEN ACCOUNT: $100.00
  • REAL TIME ONLINE BANKING
  • ELECTRONIC STATEMENTS: including images of checks
  • 24/7 TELEPHONE BANKING
  • FREE ATM CARD
  • DEBIT CARD AVAILABLE (Subject to credit approval)
  • FREE NOTARY SERVCE
  • FREE OFFICAL CHECKS: less than $2,500.00
  • FREE MONEY ORDERS: maximum of 5 monthly
  • OVERDRAFT PROTECTION (available upon approval)
  • MINIMUM DAILY BALANCE OF $600.00: to avoid $6.00 monthly service charge

For an Additional Monthly Fee of $1.00 you get:

  • IDENTITY THEFT MONITORING
  • $10,000.00 ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE
  • 20% DISCOUNT ON SAFETY DEPOSIT BOX
  • NO WIRE FEE