Personal Checking
All checking accounts include a debit card of your choice, access to Online Banking & Bill-Pay, eStatements (optional, but recommended for security), and ATMs available in Monticello (5), Warren (2), Hermitage, and Hampton
Unlimited Checking
Budget Account
- No minimum balance requirement
- $0.25 per check, substitue check withdrawal; no charge for withdrawals by debit card & ACH (foreign ATM fees apply for non-Commercial Bank ATMs)
Unlimited Checking with Benefits
Classic 50
(for those age 50+)
- No minimum balance requirement
- No monthly maintenance charge
- Free Checks
- Free Notary Service
- No issue charge for Money Orders
- No issue charge for Cashier’s Checks
Interest-bearing Unlimited Checking
NOW Account
- $500 minimum balance requirement
- Interest-bearing account
- $10 monthly service fee and 0% APR if minimum balance is breached
Limited Checking Accounts
SUPER NOW
- 6 free withdrawals per statement cycle, then $1 each
- $1,000 minimum balance requirement
- Interest-bearing account
- $15 monthly service fee and 0% APR if minimum balance is breached
Rise Money Market
- 6 free withdrawals per statement cycle, then $5 each
- $25,000 minimum balance requirement to earn interest with tiers:
- $25,000 - $99,999.99 pays 3.00% APY
- $100,000 - $499,999.99 pays 4.00% APY
- $500,000+ pays 4.30% APY
- $15 monthly service fee if minimum balance requirement not maintained
This limited-activity account has interest rate tiers that is designed to ‘rise’ as account balances grow. It’s a great place to ‘park’ savings and transfer into business or personal accounts as needed. It is not eligible for financial institutions or public entities seeking deposit collateralization.