Checking Accounts

From the simplest to the most complex, our wide variety of checking accounts offers the right mix of products and services for the way you like to bank. Plus, all accounts have free online account access as well as the peace of mind of ID Reclaim (ask us for details about ID Reclaim).

Free Checking – When all you need are the basics

  • $100.00 minimum opening deposit; no minimum thereafter
  • Debit Card*
  • Unlimited Check Writing
  • Free Internet Banking with Bill Pay
  • ID Reclaim Basic (additional ID Reclaim features available – ask us for details)
  • No Service Charge
  • Truncated Statement
    • E-Statement available ($2/mo. fee)
    • Imaged Statement available ($3/mo.fee)

Personal Checking - Beyond free checking with a couple of extra benefits

  • $100.00 minimum opening deposit; no minimum thereafter
  • Debit Card*
  • Unlimited Check Writing
  • Free Internet Banking with Bill Pay
  • ID Reclaim Basic (additional ID Reclaim features available – ask us for details)
  • Two free boxes of personalized logo checks per year
  • Imaged Statements
  • E-Statement available
  • Low Monthly Fee
    • $5.00 per month
    • $3.00 per month with E-Statement

ABC Checking - Added Benefits Checking, a free checking account that pays you. This high interest checking account eliminates ATM fees nationwide and lets you enjoy the fast, secure and easy benefits of free online banking. You can begin the opening process for this checking account online by visiting www.abcchecking.com.

  • $100.00 minimum opening deposit; no minimum thereafter
  • Debit Card*
  • Unlimited Check Writing
  • Free Internet Banking with Bill Pay
  • ID Reclaim Basic (additional ID Reclaim features available – ask us for details)
  • Interest Bearing (premium rate offered**)
  • Refund of foreign ATM charges
  • Two free boxes of personalized logo checks per year

**Premium Rate qualifications per cycle:

  • Direct Deposit or Automatic Debit                  
  • 10 debit card transactions
  • Access online banking and make 1 bill pay transaction
  • E-statement

NOW Account - Earn interest on your checking balance.

  • $100.00 minimum opening deposit; $750 minimum thereafter to avoid service charge
  • Debit Card*
  • Unlimited Check Writing
  • Free Internet Banking with Bill Pay
  • ID Reclaim Basic (additional ID Reclaim features available – ask us for details)
  • Daily balance calculation
  • Monthly Imaged Statements
  • E-statement available
  • Tiered Rate Structure
    • $1--$5,000
    • $5,001--$15,000
    • $15,001--$35,000
    • $35,001--$100,000
    • $100,001 and above
  • Interest paid and compounded monthly
  • Interest calculated on average daily balance
  • Rates vary based on account balance
  • No service charge for accounts meeting minimum balance requirement.
    • $12.00/cycle if balance falls below monthly minimum

Bluegrass Gold Account - A great account for customers age 55 and over

  • $100.00 minimum opening deposit; $750 minimum thereafter to avoid service charge
  • Debit Card*
  • Unlimited Check Writing
  • Free Internet Banking with Bill Pay
  • ID Reclaim Plus
    • Primary account holder only (additional ID Reclaim features available – ask us for details)
  • Earn interest on your account balance
  • Monthly Imaged Statements
  • E-statement available
  • Two free boxes of personalized logo checks per year
  • Interest paid and compounded monthly
  • Interest calculated on average daily balance
  • Rates vary based on account balance
  • No service charge for qualified accounts.
    • $10.00/cycle for non-qualified accounts

*subject to credit approval