Personal Checking

Choose the account that's right for you. Our checking accounts are designed to meet your specific needs giving you convenient access to your funds by debit card and online.

Loaylaty Rewards CHecking

Loyalty Rewards is a Free Checking account that pays a high interest rate.

u choose checking

U Choose Checking gives customers an option to waive their monthly charge by utilizing other banking products.

Merit Club checking

With the Merit Club Checking account, enjoy Free Standard wallet checks, Free check retention and more.

A young lady using a debit card to make a purchase

debit cards

Streamlined payments with our trusted debit card.

Make seamless and effortless purchases with empowered versatility.

View Debit Cards

With an eStatement and direct deposit, automatic payment (ACH) or bill pay and utilizing other banking products, you can maximize the interest you earn on your checking account.

Minimum to Open: $100

Customers under 25 years of age can waive their monthly charge with 5 POS transactions. Customers over 25 years of age choose how to buy down their monthly charge.

Minimum to Open: $100

By down options:

10 POS = $3
$500 Min Balance = $3
2 Bill Payment transactions = $3
Direct Deposit = $3
(Max per statement cycle = $6)

Paper statement fee $5.00 (no charge if enrolled in eStatements)

Other Features:

No Minimum balance
Free Mobile Banking
Free Online Banking
Free Bill Pay
Free Debit Card
Nationwide ATM fee refunds (up to $15.00 per statement cycle)
Ready Reserve, subject to approval
$6 waived from the Monthly Service Charge when utilizing other bank products

Apply Now

Minimum to Open: $100