Personal Checking Solutions

From a Premium PLUS interest-earning rewards account to a convenient solution built to handle your day-to-day needs, we have a winning checking account for you. Let’s find the option that works best!

Checking Account Options

Rewards Checking

Earn our Premium PLUS interest rate on balances up to and including $15,000 and qualify for ATM surcharge refunds and/or International Debit Card Transaction fee refunds when three simple qualifications are met.

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First Choice

Looking for a simple money management solution? This low-maintenance account is a great fit for your everyday needs.

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Senior

If you’re at least 60 years young, this low-maintenance checking account is the ideal personal financial management account for you. Plus, get FREE personalized checks (shipping and handling fees apply).

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Let’s compare accounts. Which one is right for you?

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Account FeaturesRewards CheckingFirst ChoiceSenior
Account Features
Opening Deposit
Rewards Checking
$50
First Choice
$50
Senior
$50
Account Features
Interest
Rewards Checking
Premium PLUS Interest rate (when monthly account qualifications are met as listed below)
First Choice
No
Senior
No
Account Features
ATM Surcharge Refunds and/or International Debit Card Transaction Fee Refunds
Rewards Checking
Yes (limited to $30 each qualification cycle when monthly account qualifications are met )
First Choice
No
Senior
No
Account Features
Free Debit Card
Rewards Checking
Yes
First Choice
Yes
Senior
Yes
Account Features
Free Online Banking
Rewards Checking
Yes
First Choice
Yes
Senior
Yes
Account Features
Free Online Bill Pay
Rewards Checking
Yes
First Choice
Yes
Senior
Yes
Account Features
Discounted Installment Loan Rate
Rewards Checking
With auto deduction from a Community Bank deposit account
First Choice
With auto deduction from a Community Bank deposit account
Senior
With auto deduction from a Community Bank deposit account
Account Features
Monthly Fees
Rewards Checking
$5 fee will be charged monthly for receiving a paper statement
First Choice
$3 fee will be charged monthly for receiving a paper statement
Senior
None
Account Features
Account Qualifications
Rewards Checking
Each qualification cycle make 12 or more debit card purchases, excluding ATM withdrawals, receive account statements electronically, and set up and use one direct deposit or qualifying electronic payment.
First Choice
None
Senior
Minimum age 60
Account Features
Rewards Checking
First Choice
Senior

What’s The Difference Between A Checking Account Vs. A Savings Account?

Checking accounts are primarily designed to help you handle everyday banking activities, such as paying bills, sending money, and making Point-of-Sale (POS) purchases. A checking account also gives you convenient access to your funds with your connected ATM/debit card, which allows you to withdraw cash when you need it.

Savings accounts are intended to help you grow your funds through earned interest. They are great tools for helping you achieve your short- and long-term financial goals.

If you’re looking for a blend of both types of accounts, a money market account could be an ideal solution for you. With our money market account, you’ll earn interest on deposits and can write up to 6 checks per statement cycle.

Bank when and where it works for you.

Digital Banking

Earn 1.00% APY* with our Rewards Checking on qualifying balances up to and including $15,000.

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The Common Sense Banking
You Deserve

You need relevant products, at the right price, from a local decision maker who treats you like family. You’re in the right place.

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