Experience Checking

Our primary checking account is designed to fit your lifestyle. You may earn a generous dividend rate on qualifying balances*, and pay no monthly service charge by meeting any of the following:
    Utilizing Direct Deposit**
    Maintaining an Average Daily Balance of $2,500 
    The primary account holder is 65 years of age or older
    $10,000 in aggregate deposit balances
    $25,000 in aggregate loan balances***

You can use your debit card, Smart Branch™ online banking, Bill Payer, Express Call™ audio response, and eStatements with your Experience Checking account—all for no extra monthly charge.  And with a Believe it! money market account, you get your checks for free. Taking advantage of these great electronic services in addition to our surcharge-free ATM networks will provide you a very convenient dividend-bearing checking account.


*Dividends paid with an average daily balance of $2,500.  Rates variable.  See Rate Schedule for current rates.

**Direct Deposit is defined as any incoming deposit through ACH or Payroll Deduction or deposits of a least $1,000 aggregate per month. 

***Balances in Business and New Beginning accounts do not count toward the aggregate account balance.

If no qualifications are met, monthly fee is $10. No per-check charge up to 20 checks each month, 25¢ per check thereafter.