Compare Personal Checking Accounts

Compare Personal Checking Accounts

Compare our Personal Checking Accounts

From cash back to interest-earning checking accounts, our personal checking options are designed for you. Compare our accounts below to find the account that works best for your needs!

  • Smart Checking
  • Minimum to Open
    $50
  • Statement Type
    Paper/Electronic
  • Monthly Service Fee
  • ATM Fee Refunds
    Up to $10 monthly
  • Interest Earning Account
  • Free Debit Card
  • Unlimited Transactions
  • Free Online & Mobile Banking
  • Free Online Statements
  • Card Valet App
  • Overdraft Protection Available
  • Online Account Opening
  • Bill Pay
  • Unlimited Check Writing
    For the occasional check writer
  • Cash Back Rewards
  • Activity Rewards
  • Qualifiers
  • Learn More
  • Loyalty Rewards
  • Minimum to Open
    $50
  • Statement Type
    Paper/Electronic
  • Monthly Service Fee
    $5
    *Fee waived with eStatment and if any 1 of the qualifiers are met
  • ATM Fee Refunds
    Up to $10 monthly
  • Interest Earning Account
    Tiered interest earned based on qualifiers
  • Free Debit Card
  • Unlimited Transactions
  • Free Online & Mobile Banking
  • Free Online Statements
  • Card Valet App
  • Overdraft Protection Available
  • Online Account Opening
  • Bill Pay
  • Unlimited Check Writing
  • Cash Back Rewards
  • Activity Rewards
  • Qualifiers
    See below
  • Learn More
  • Bucks Back
  • Minimum to Open
    $50
  • Statement Type
    Paper/Electronic
  • Monthly Service Fee
    $5
    *Fee waived when qualifers are met
  • ATM Fee Refunds
    Up to $10 monthly
  • Interest Earning Account
  • Free Debit Card
  • Unlimited Transactions
  • Free Online & Mobile Banking
  • Free Online Statements
  • Card Valet App
  • Overdraft Protection Available
  • Online Account Opening
  • Bill Pay
  • Unlimited Check Writing
  • Cash Back Rewards
  • Activity Rewards
    $5 Bucks Back deposited to the account per monthly statement cycle when the qualifiers have been met
  • Qualifiers
    See below
  • Learn More
  • Secure Checking
  • Minimum to Open
    $50
  • Statement Type
    Paper/Electronic
  • Monthly Service Fee
    $4.95
  • ATM Fee Refunds
  • Interest Earning Account
  • Free Debit Card
  • Unlimited Transactions
  • Free Online & Mobile Banking
  • Free Online Statements
  • Card Valet App
  • Overdraft Protection Available
  • Online Account Opening
  • Bill Pay
  • Unlimited Check Writing
  • Cash Back Rewards
  • Activity Rewards
    Includes the added benefit of IDProtect® - Identity Theft Monitoring and REsultion service
    Registration/Activation Required
  • Qualifiers
  • Learn More
Benefits
Smart Checking
Loyalty Rewards
Bucks Back
Secure Checking
Minimum to Open
$50
$50
$50
$50
Statement Type
Paper/Electronic
Paper/Electronic
Paper/Electronic
Paper/Electronic
Monthly Service Fee
$5
*Fee waived with eStatment and if any 1 of the qualifiers are met
$5
*Fee waived when qualifers are met
$4.95
ATM Fee Refunds
Up to $10 monthly
Up to $10 monthly
Up to $10 monthly
Interest Earning Account
Tiered interest earned based on qualifiers
Free Debit Card
Unlimited Transactions
Free Online & Mobile Banking
Free Online Statements
Card Valet App
Overdraft Protection Available
Online Account Opening
Bill Pay
Unlimited Check Writing
For the occasional check writer
Cash Back Rewards
Activity Rewards
$5 Bucks Back deposited to the account per monthly statement cycle when the qualifiers have been met
Includes the added benefit of IDProtect® - Identity Theft Monitoring and REsultion service
Registration/Activation Required
Qualifiers
See below
See below
Learn More
Learn More
Learn More
Learn More

Loyalty Rewards Qualifiers

To earn interest, be enrolled in eStatements and meet at least one of the following qualifiers. Meet all 3 qualifiers to earn premium interest rate.

  • 20 POS Debit Card Transactions per monthly statement cycle.
    *Must post and settle
  • A Direct Deposit (credit) or ACH Payment (debit) of $500 or more
    per monthly statement cycle
  • *Combined Personal (Non-Business, Non-Ag) Deposit & Loan
    Relationship of $25,000 or more

Bucks Back Qualifiers

Earn cash back rewards on our Bucks Back Checking when you meet the following requirements per monthly statement cycle.

  • 20 POS Debit Card Transactions per monthly statement cycle (PIN or Signature). *Must post and settle
  • Enrolled in eStatements
  • Disclaimers
  • Bucks Back Checking: Minimum to open the account is $50. No minimum balance is required to qualify for rewards. If qualifiers are met each monthly statement cycle: (1) Earn $5.00 for debit card point of sale purchases that post and settle the account during the Monthly Statement Cycle and (2) Receive refunds up to $10.00 for nationwide ATM Fees assessed by our bank and other banks during the Monthly Statement Cycle. Cash back payments will be credited to the account at the end of the Monthly Statement Cycle. ATM fee refunds will be credited to the account the next business day after the qualifiers have been met for each month. When Bucks Back Checking qualifiers are not met during a Monthly Statement Cycle, no cash back payments are made on debit card point of sale purchases and ATM fees are not refunded. A Service Fee of $5.00 will be charged each monthly statement cycle when qualifiers have not been met. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. This account is intended to be used as the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities are posted and settled. The account’s debit card is expected to be used frequently throughout each month and for transactions and amounts to reflect a wide dollar range. The bank reserves the right to determine if this account is being maintained for a purpose other than primary, day-to-day use. Requires a valid e-mail address. This account is not to be used for commercial purposes. There is a limit of one (1) Bucks Back account per household. At our discretion, rewards may change at any time after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

    Loyalty Rewards Checking: With Loyalty Rewards Checking, you can earn the following:

    Tier 1 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 1 qualifier, the interest rate paid on the entire balance will be 0.15% with an annual percentage yield of 0.15%.
    Tier 2 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 2 qualifiers, the interest rate paid on the entire balance will be 0.30% with an annual percentage yield of 0.30%.
    Tier 3 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 3 qualifiers, the interest rate paid on the entire balance will be 0.45% with an annual percentage yield of 0.45%.
    Basic Tier – An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $25,000.00. Depending on the balance in the account, the annual percentage yield for this tier will range from 0.10% to 0.38%, assuming a maximum account balance of $100,000.

    Annual Percentage Yields accurate as of 01/15/2021. Rates may change after the account is opened. To earn interest, you must be enrolled in eStatements and meet a minimum of one qualifier during the monthly statement cycle. Minimum to open a Loyalty Rewards Checking account is $50. If enrolled in eStatements and a minimum of one (1) qualifier is met each monthly statement cycle, Nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $10 and will be credited to your account on the last business day each month. A Service Fee of $5.00 will be charged each monthly statement cycle unless the account is enrolled in eStatements and a minimum of one qualifier has been met. Qualifying transactions must post and settle to the account during the monthly statement cycle. Transactions may take one or more business days from the transaction date to post and settle to an account. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. Fees may reduce earnings. Personal accounts only. Limit one Loyalty Rewards account per household.

    Smart Checking: Minimum to open the account is $50. If the qualifier is met each monthly statement cycle, earn refunds up to $10.00 in nationwide ATM Fees assessed by our bank and other banks during the Monthly Statement Cycle. ATM fee refunds will be credited to the account the next business day after the qualifiers have been met for each month. The Smart Checking qualifier is enrollment in eStatements via Online Banking and must be met to earn ATM Fee refunds. When the Smart Checking qualifier is not met, ATM fees are not refunded. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. This checking account is for the occasional check writer and is intended to be used as the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities are posted and settled. The account’s debit card is expected to be used frequently throughout each month and for transactions and amounts to reflect a wide dollar range. The bank reserves the right to determine if this account is being maintained for a purpose other than primary, day-to-day use. Requires a valid e-mail address. This account is not to be used for commercial purposes. There is a limit of one (1) Smart Checking account per household. At our discretion, rewards may change at any time after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

    Secure Checking: Minimum to open this account is $50. A monthly Service Fee of $4.95 will be assessed. Includes the added benefit of IDProtect® Identity Theft Monitoring and Resolution Services with the following features:

    Identity Theft Expense Reimbursement Coverage1
    Comprehensive Identity Theft Resolution Services
    Debit and Credit Card Registration*
    3-in-1 Credit File Monitoring*
    3-in-1 Credit Report*
    Total Identify Monitoring*
    Online Identity Theft News Center and Valuable Phone and Web Resources*

    1Special Insurance Program Notes: The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage. Insurance Products are not a deposit of or guaranteed by the bank or any bank Affiliate and are not insured by the FDIC or Any Federal Government Agency.

    *Registration/activation required.