Checking Accounts


 Click Here for information regarding FDIC Deposit Insurance on your accounts

State Club Checking Account

  • No minimum balance required to open the account
  • Interest bearing-variable rate (rates
  • Unlimited check writing
  • No per item fee
  • No charge Debit Card
  • No charge checks (limited selection)
  • No charge Money Orders and Cashier's Checks
  • Overdraft Transfer Protection available
  • $6.00 service charge/monthly fee (without check images) or $8.00 service charge/monthly fee to get images of checks

CareFree Checking Account

  • No minimum balance required to open the account
  • No per item fee
  • No maintenance fee
  • Unlimited check writing
  • Overdraft Transfer Protection available
  • Debit Card available
  • $2.00 monthly check image charge (if requested)

Disclosure    Privacy Policy


NOW Checking Account

  • $175.00 minimum balance required to open the account
  • Interest bearing-variable rate (rates)
  • Unlimited check writing
  • Debit Card available
  • Overdraft Transfer Protection available
  • $0.15 service charge / debit fee will apply for each debit if the daily balance falls below the $175.00 minimum any day during the statement cycle
  • $5.00 service charge / monthly fee if the daily balance falls below the $175.00 minimum any day of the statement cycle

Disclosure    Privacy Policy


Money Market Checking Account

  • $1,000.00 minimum balance required to open the account
  • Interest bearing-variable rate (rates)
  • No charge Cashier's Checks and Money Orders
  • No debit card available
  • $5.00 service charge / monthly fee if the daily balance falls below the $1,000.00 minimum any day of the statement cycle

Disclosure    Privacy Policy


High Yield Money Market Checking Account

  • $25,000.00 minimum balance required to open the account
  • The Interest Rate on your account is 1.05%, with an Annual Percentage Yield of 1.06%, as long as your average daily balance for the statement cycle is $25,000.00 or more
  • If the average daily balance for the statement cycle is less than the $25,000.00 minimum, the entire balance in the account will earn an Interest Rate of 0.05%, with an Annual Percentage Yield of 0.05%.
  • No charge Cashier's Checks and Money Orders
  • No debit card available
  • $10.00 service charge  / monthly fee if the daily balance falls below the $25,000.00 minimum any day of the statement cycle.

Disclosure    Privacy Policy


All funds in a "non-interest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "non-interest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest of Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.


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