Checking Accounts

Free Checking
The name says it all. This is a non-interest bearing account with no minimum average daily balance. Other features of this account include:
  • Unlimited check writing - no per check fee
  • Check safekeeping
  • Free ATM or Visa® Check Card
  • Free Online Banking and Bill Pay
  • Free first order of Checks

If keeping a larger minimum balance is not a problem, an Elite 50 Checking or Compass Gold Checking Account will pay interest on the money you keep in your checking account.

Elite 50 Checking
For our customers age 50 or better! Features of this account include:

  • Earns a Competitive interest rate
  • No Monthly Service Charge
  • Unlimited check writing - no per check fee
  • No Minimum Balance
  • Check safekeeping
  • Free ATM or VisaŽ Check Card
  • Free Online Banking and Bill Pay
  • Free Checks (Special Design - 1 box per order)
  • No fee for Cashier's Checks
  • Free 3 X 5 Safe Deposit Box (limited availability)
  • .25% CD rate Bonus on all new and or renewed CD's, except CD Specials and the Variable Rate CD. Payroll, Social Security or other direct deposit is required.
Compass Gold Checking
Set your course for secure investing. The Compass Gold Checking Account is not your ordinary checking account and it's not for everyone
The Compass Gold Checking is for people who have built financial security through hard work, cautious planning and careful savings and want to be rewarded for those efforts. The Compass Gold Checking Account pays a higher rate of interest than other checking or money market accounts with flexible and unrestricted use of your money. Interest is compounded daily and credited to your account monthly. Other features and benefits of this account include:
  • Unlimited check writing - no per check fee
  • .25% CD rate Bonus on all new and or renewed CD's, except CD Specials and the Variable Rate CD. Payroll, Social Security or other direct deposit is required.
  • Free ATM or VisaŽ Check Card
  • Free Online Banking and Bill Pay
  • Free Checks (Special Design - 1 box per order)
  • No annual fee for Overdraft Protection
  • No fee for Traveler's Checks
  • No fee for Cashier's Checks and Money Orders
  • No annual fee for VISAŽ Credit Card
  • Free 3 X 5 Safe Deposit Box (limited availability)
  • Free overdraft transfer protection between accounts
  • No monthly service charge with a daily balance of $10,000.00 or a $50,000 aggregate balance in qualified deposit accounts*
  • $250.00 off the closing costs of a conventional first mortgage**
  • Preferred rate of .025% discount on the rate with automatic pay on any of our consumer loans**
  • No annual fee for our Ready Reserve Line of Credit designed overdraft protection**
  • No Annual Fee on home equity lines of credit**
* Qualifying deposit accounts are:
  • Savings
  • Checking
  • Money Market
  • Certificates of Deposit
  • Individual Retirement Account
** All credit products are subject to credit approval.




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