Checking Accounts

  • E-Checking

    Limitations:
    You must deposit $100.00 to open this account.

    Account Fees:
    A maintenance fee of $7.00 will be imposed every month unless the account receives Direct Deposit/ACH Credits monthly or accountholder agrees to accept and demonstrate the ability to receive electronic periodic statements, account disclosures, and notices within thirty (30) days of account opening.

  • Choice Checking

    Limitations:
    You must deposit $100.00 to open this account.

    Account Fees:
    A maintenance fee of $7.00 will be imposed every month if the average daily balance for the month falls below $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

  • Business Choice Checking

    Limitations:
    You must deposit $100.00 to open this account.

    Account Fees:
    A maintenance fee of $5.00 plus $.15 per check, transfer, or ATM debit transaction will be imposed every month. A credit of $.30, not to exceed the total maintenance and transaction fees for the month, is applied to reduce the maintenance and transaction fees per $100 average daily collected balance each month. The average daily collected balance is calculated by adding the balance of collected funds (less any uncleared or uncollected deposits) in the account for each day of the period and dividing that figure by the number of days in the period.

  • Interest Checking

    Limitations:
    You must deposit $1,000.00 to open this account.

    Rate Information:
    This account is an interest bearing account with a tiered-rate. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks), and interest will be compounded monthly and will be credited to the account monthly. At our discretion, we may change the interest rate on the account. To inquire about the current rate on this account, please call us at (620) 646-5253. The interest rates and annual percentage yields may change at any time.

    Balance Information:
    We use the daily balance to calculate interest on your account. Interest is paid for the days in which your account maintains a minimum balance of $1,000, and no interest is paid on those days in which your account falls below $1,000. If the account is closed before the accrued interest is credited to the account, the accrued interest will not be paid.

    Account Fees:
    A maintenance fee of $8.00 will be imposed every month if the average daily balance for the month is less than $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

  • Business Interest Checking

    Limitations:
    You must deposit $1,000.00 to open this account.

    Rate Information:
    This account is an interest bearing account with a tiered-rate. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks), and interest will be compounded monthly and will be credited to the account monthly. At our discretion, we may change the interest rate on the account. To inquire about the current rate on this account, please call us at (620) 646-5253. The interest rates and annual percentage yields may change at any time.

    Balance Information:
    We use the daily balance to calculate interest on your account. Interest is paid for the days in which your account maintains a minimum balance of $1,000, and no interest is paid on those days in which your account falls below $1,000. If the account is closed before the accrued interest is credited to the account, the accrued interest will not be paid.

    Account Fees:
    A maintenance fee of $8.00 will be imposed every month if the average daily balance for the month is less than $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

  • Money Market

    Limitations:
    You must deposit $2,500.00 to open this account.

    Rate Information:
    This account is an interest bearing account with a tiered-rate. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks), and interest will be compounded monthly and will be credited to the account monthly. At our discretion, we may change the interest rate on the account. To inquire about the current rate on this account, please call us at (620) 646-5253. The interest rates and annual percentage yields may change at any time.

    Balance Information:
    We use the daily balance to calculate interest on your account. If the account is closed before the accrued interest is credited to the account, the accrued interest will not be paid.

    Account Fees:
    A maintenance fee of $8.00 will be imposed every month if the average daily balance for the month is less than $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.