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Flexible and convenient, saving you time and money. 

Choose Your Checking Account 

Secure Checking 

A great fit for:

  • Anyone and everyone

When you want added peace of mind, choose the account that offers extra services to protect your identity and financial well-being. You will also get access to discounts on things like travel, entertainment and healthcare expenses.

Features 

  • $100 minimum opening deposit 
  • Unlimited check writing 
  • Free debit card*
  • Free Online Banking with Bill Pay 
  • Free eStatements 
  • Free 24-hour Telephone Banking 
  • Comprehensive identity theft resolution services**
  • Identity fraud expense reimbursement coverage***
  • Travel and entertainment discount membership****
  • Health discount savings on vision, prescriptions and dental**** 
  • Cellular telephone protection***** 
  • Accidental death and dismemberment insurance***** 

Low monthly fee****** 

*Charges for replacement card apply.

**IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes spouse, persons qualifying as domestic partners, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students. 

***Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. 

****Registration and activation required. To register please click on www.securechecking.com. This is not insurance. 

*****Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. 

******Please talk with a representative for fee schedule. 

Free Kasasa Cash Checking 

A great fit if:

  • You want an account that earns higher interest  

Earn a competitive interest rate on your account balance and receive ATM refunds by meeting simple monthly qualifications. 

Features 

  • $100 minimum opening deposit 
  • 5.38% APY* on balances up to $25,000 
  • 5.38% to 1.48% APY on balances over $25,000 depending on balance in account* 
  • 0.01% APY* if qualifications aren’t met 
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)* 
  • No minimum balance to earn rewards 
  • No monthly service fee 
  • Unlimited check writing and transactions 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  •  eStatements are required 
  • Free 24-hour Telephone Banking 

How to Qualify

To earn your rewards, you need to have at least 12 debit card purchases post and settle to your Kasasa Cash account each monthly qualification cycle.

But if you don’t meet these qualifications, your account is still free! You’ll still earn our base interest rate, and the next cycle you qualify, you will get right back to earning your full rewards.

Monthly Statement Cycle

As of 5/20/2024

MonthYearBeginEnd
January202412/20/2301/16/2024
February202401/17/2402/20/2024
March202402/21/2403/19/2024
April202403/20/2404/16/2024
May202404/17/2405/21/2024
June202405/22/2406/18/2024
July202406/19/2407/16/2024
August202407/17/2408/20/2024
September202408/21/2409/17/2024
October202409/18/2410/15/2024
November202410/16/2411/19/2024
December202411/20/2412/17/2024

Monthly Qualification Cycle

As of 5/20/2024

MonthYearBeginEnd
January202412/19/2301/12/2024
February202401/24/2402/16/2024
March202402/19/2403/18/2024
April202403/19/2404/15/2024
May202404/19/2405/20/2024
June202405/19/2406/17/2024
July202406/19/2407/15/2024
August202407/19/2408/19/2024
September202408/19/2409/16/2024
October202409/19/2410/11/2024
November202410/19/2411/18/2024
December202411/19/2412/16/2024

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Cycle Date Information: The following dates apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account’s Truth In Saving disclosure for your account’s specific qualification requirements. To qualify for your account’s rewards, all of your account’s transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account’s rewards.

**charges for replacement card applies.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. ‘Monthly Qualification Cycle’ means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $25,000 earn 5.25% interest rate; and balances over $25,000 earn 0.5% interest rate on the portion of balance over $25,000, resulting in a range from 1.48% to 5.38% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $4.99 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn .01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 02/21/2024. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Free Kasasa Cash Back Checking   

A great fit if:

  • You’re looking to earn cash back

Get your money back where it belongs – in your pocket. Earn cash back on debit card purchases and ATM refunds.  

 Features 

  • $100 minimum opening deposit 
  • 3.00% cash back on debit card purchases* 
  • No category restrictions on purchases 
  • Cash back earned on up to $250 in purchases monthly 
  • Earn up to $90 cash back per year, $7.50 per month* 
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)* 
  • No minimum balance to earn rewards 
  • No monthly service fee 
  • Unlimited check writing and transactions 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  • eStatements are required 
  • Free 24-hour Telephone Banking 

 How To Qualify

To earn your rewards, you need to have at least 12 debit card purchases post and settle to your Kasasa Cash Back account each monthly qualification cycle.

But if you don’t meet these qualifications, your account is still free! Plus the next cycle you qualify, you will get right back to earning your full rewards.

Monthly Statement Cycle

As of 5/20/2024

MonthYearBeginEnd
January202412/20/2301/16/2024
February202401/17/2402/20/2024
March202402/21/2403/19/2024
April202403/20/2404/16/2024
May202404/17/2405/21/2024
June202405/22/2406/18/2024
July202406/19/2407/16/2024
August202407/17/2408/20/2024
September202408/21/2409/17/2024
October202409/18/2410/15/2024
November202410/16/2411/19/2024
December202411/20/2412/17/2024

Monthly Qualification Cycle

As of 5/20/2024

MonthYearBeginEnd
January202412/19/2301/12/2024
February202401/24/2402/16/2024
March202402/19/2403/18/2024
April202403/19/2404/15/2024
May202404/19/2405/20/2024
June202405/19/2406/17/2024
July202406/19/2407/15/2024
August202407/19/2408/19/2024
September202408/19/2409/16/2024
October202409/19/2410/11/2024
November202410/19/2411/18/2024
December202411/19/2412/16/2024

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. ‘Monthly Qualification Cycle’ means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $4.99 or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Cycle Date Information: The following dates apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account’s Truth In Saving disclosure for your account’s specific qualification requirements. To qualify for your account’s rewards, all of your account’s transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account’s rewards.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Cycle Date Information: The following dates apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account’s Truth In Saving disclosure for your account’s specific qualification requirements. To qualify for your account’s rewards, all of your account’s transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account’s rewards.

**charges for replacement card applies

Heritage Checking

A great fit if:

  • Anyone 50 and older

Seniority pays. Earn exclusive advantages if you’re 50 years old or older. 

 Features 

  • $100 minimum opening deposit 
  • Unlimited check writing and transactions 
  • No monthly fee with a minimum $5,000 in deposits relationship* 
  • Monthly image statements 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  • Free eStatements 
  • Free 24-hour Telephone Banking 
  • Free notary service 
  • No issue charge for official checks 
  • Discount on safe deposit boxes 
  • Regular updates on seminars and socials 
  • Heritage Club group travel opportunities  

*Please talk with a representative for fee schedule. 
**charges for replacement card applies. 

NOW Checking

A great fit if:

  • Sole proprietors
  • Nonprofit organizations 

This interest-bearing checking account is designed for individuals, sole proprietorships, government agencies and nonprofit organizations.  

 Features 

  • Unlimited check writing and transactions 
  • Earns interest that’s credited monthly 
  • Monthly image statements 
  • No monthly fee with a minimum daily balance of $1,500* 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  • Free 24-hour Telephone Banking 

*A service charge and per-check fee will be applied to balances falling below $1,500 during the month. Please talk with a representative for fee schedule. 
**Charges for replacement card apply. 

On Us Account 

A great fit if:

  • Anyone seeking to rebuild their credit
  • Customers with e-fund scores below 586

If you’re working to rebuild your credit, you can bank ‘on us’ to help you reach your financial goals. If your e-funds score is below 586, this account can help improve your score. 

  • Free debit card* 
  • Free Online Banking with Bill Pay 
  • Semi-annual credit counseling 
  • No minimum opening deposit** 
  • Proud to be Bank On Certified 

 *Charges for replacement card apply. 
**Please talk with a representative for fee schedule. 

eChecking

A great fit if:

  • You want to bank completely online

 eChecking brings your account and statements completely online to simplify the way you bank. 

Features 

  • $100 minimum opening deposit 
  • No minimum balance requirement 
  • No monthly fee 
  • eStatements are required* 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  • Free 24-hour Telephone Banking 

*You must sign up for eStatements within 30 days of opening the account to avoid the $5 per month fee to receive a paper statement. 
**Charges for replacement card apply. 

Health Savings Account

A great fit if:

  • Families
  • Anyone looking to save for health-related expenses 

Invest in your family’s health. Our team of experts will work with you to find a solution that gives you tax-free access to funds that are used exclusively for healthcare needs.  

  • Full access to funds by check or debit card 
  • Unlimited checks 
  • Free 24-hour Telephone Banking 
  • Monthly image statements 

Compare Checking Accounts

Compare features to find the best checking option for you.  

Construction Loan

Building your dream home can be as stressful as it is exciting. Find the flexible financing solutions and experienced lending team you need.

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Business Loans

We’re here to help you grow your business.

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Heritage Club

Let us take you on your next adventure. 

All are welcome to join the Heritage Club on trips to a variety of fun destinations. 

Additional Services