Personal Checking Accounts
For information needed to open your account online, visit our digital account opening page or contact your neighborhood banking center.
Freedom Checking
Great for consumers looking for a simple, affordable account
- $50 minimum opening balance
- No monthly service charge with e-statement+
- One introductory pack of (40) checks
- Unlimited check writing
- No minimum balance required
Benefits Checking
This account pays for itself with added value and a broad range of benefits. With a low, $8 per month service charge bonus benefits include:
- $50 minimum opening balance
- Cell phone protection
- CyberScout® identity theft resolution
- Roadside assistance
- $10,000 accidental death and dismemberment insurance
- Shopping, dining, and travel discounts
- E-statement or paper statement with images
- One free box of standard checks per year
- Unlimited check writing
- No minimum balance required
- Only $8 per month
Performance Interest Checking
This is a great account if you plan to keep higher balances in your personal checking account and want to earn higher interest.
- $50 minimum opening balance
- Higher interest rate with a balance of $1,500 or more**
- Competitive interest rate if balance falls below $1,500**
- One free box of standard checks per year
- E-statement or paper statement with images
- Unlimited check writing
- $1,500 minimum balance required to avoid $8 monthly service charge
Advantage50 Checking
Perfect for our clients aged 50 or better who want to earn interest on their checking account along with an attractive package of services.
- $50 minimum opening balance
- Tiered Interest Rates - higher balances earn higher rates!**
- 50% annual discount on 3x5 sized safe deposit box
- One free box of Advantage50 checks per year
- No-fee photo copies, official checks (2 per visit) and notary services in our branches
- E-statement or paper statement with images
- Unlimited check writing
- No minimum balance
- No monthly service charge
Student Banking
The student banking program provides simple, straightforward checking capabilities for students ages 14-24 with debit card access and flexible digital options including online and mobile banking...all to help you bank on the go.
- $10 minimum opening balance
- No monthly service charge with e-statement.+
- No minimum balance required
- One introductory pack of (40) checks
- Students under 18 years of age must have an adult on the account with them
Everyday Checking
This nationally certified, safe and low-cost checking account allows you to stay in control of your money. With no overdraft fees, you can enjoy peace of mind knowing you won't overdraw your account and incur a charge.
- $25 minimum opening balance
- $5 monthly service charge
- Free paper or e-statement
- No minimum balance required
Health Savings Account (HSA)
If you have benefits through a qualified High-Deductible Health Plan (HDHP), a Health Savings Account (HSA) lets you put money aside, tax-free, for healthcare expenses. Unused funds in the HSA are carried over from year to year and continue to earn tax-free interest until you withdraw the funds.
To qualify for an HSA, you must:
- Be covered under a qualified High Deductible Health Plan (HDHP)
- Have no other health coverage besides an HDHP
- Not be enrolled in Medicare or Medicaid
- Not be eligible to be claimed as a dependent
Benefits of a Traditional Bank Health Savings Account
- No enrollment fees
- No minimum balance required
- Competitive interest rates
- Free online account access
- Unlimited Mastercard debit card transactions
- No monthly service charge
*Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.
**For complete, up-to-date information about our tiered interest rates, speak with any Traditional Bank teller or customer service representative.
+If account holder does not enroll in e-statement within 60 days of opening account, he or she will begin receiving paper statements and will be charged a $4 monthly fee. The same applies if the account holder unenrolls in e-statement.
More information can also be found in our Schedule of Services brochure.