Personal Checking
Open an Account Quickly and Easily
All the extras you need...
We make it easy to manage your money on your terms. No matter which option you choose, all Happy checking accounts offer:
Convenient Online & Mobile Banking
Instant Issue Debit Card
Electronic Statements Available
Which account is right for you?
Scroll through our different checking accounts below and open an account today!
Freedom Checking
An account which requires eStatements.
- $100 minimum amount to open
- $5 monthly service charge (waived with eStatements)
- No daily minimum balance requirement
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• Surcharge-FREE ATMs – Save receipts – Save money
• Convenient Online, Mobile App., Telephone and Text Banking
• Internet Bill Pay
• Instant Issue Debit Card
• Coin Machine Transactions (where available)
• Mobile Payment Options
• Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)
• eStatements available
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• eStatements required (if eStatement requirement not met account will include $5.00 monthly service charge)
Star Rate Checking
Use this account type over a savings account to give yourself unlimited transactions while still earning interest.
- $100 minimum deposit to open
- $10 monthly service charge if balance falls below $500 on any day during the statement cycle
- $500 minimum daily balance
- Tiered interest
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• Surcharge-FREE ATMs – Save receipts – Save money
• Convenient Online, Mobile App., Telephone and Text Banking
• Internet Bill Pay
• Instant Issue Debit Card
• Coin Machine Transactions (where available)
• Mobile Payment Options
• Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)
• eStatements available
Club Checking
Want benefits with your account? Join the Club!
- $100 minimum deposit to open
- No minimum daily balance requirement
- $6.95 monthly service charge
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• $10,000 AD&D Insurance, $1,000 for each dependent grandchild
• Total Identity Monitoring and Protection (*Registration/activation required) provided by IDProtect®
• Triple Credit Bureau file monitoring (*Registration/activation required) provided by IDProtect®
• 3-in-1 credit report (*Registration/activation required) provided by IDProtect®
• Cash Back Members Rewards (You must register with eClub, request benefit voucher, and return completed voucher with receipts to receive cash back rewards. Rebates limited to $10 maximum per calendar quarter based on total dollar amount of receipts submitted.)
• Travel and Entertainment benefits (*Registration/activation required)
• Cellular Telephone Protection
• FREE eClub Mobile App – Check credit report, receive coupons for participating restaurants and retailers (*Registration/activation required) (Wireless carrier’s data rates may apply)
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• FREE Notary Service
• Half-Price rental fee for one Safe Deposit Box (safe deposit box content is not insured by the FDIC)
• Instant-Issue Debit Card
• Surcharge-FREE ATMs – Save Receipts, Save Money
Diamond Checking
Account designed for customers age 50 & over.
- $100 minimum deposit to open
- No minimum daily balance requirement
- No monthly service charge
- Earn Interest
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• FREE Specialty Blue Wallet style checks
• Surcharge-FREE ATMs – Save receipts – Save money
• Convenient Online, Mobile App., Telephone and Text Banking
• Internet Bill Pay
• Instant Issue Debit Card
• Coin Machine Transactions (where available)
• Mobile Payment Options
• Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)
• eStatements available
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Learn more about our Diamond Travel Club
Opportunity 100 Checking
An account for those who are working to re-establish a strong financial reputation. Eligibility requirements apply.
- $100 minimum deposit to open
- No minimum daily balance requirement
- $9.95 monthly service charge with direct deposit OR $12.95 without direct deposit
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• Surcharge-FREE ATMs – Save receipts – Save money
• Convenient Online, Mobile App., Telephone and Text Banking
• Internet Bill Pay
• Instant Issue Debit Card
• Coin Machine Transactions (where available)
• Mobile Payment Options
• eStatements available
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• No Overdraft Privilege available
Simply 100 Checking
A checkless account, designed for customers that prefer a set monthly fee and bank electronically.
- $25 minimum deposit to open
- No minimum daily balance requirement
- $4.95 monthly service charge
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- Surcharge-FREE ATMs (no receipt needed, fee automatically waived)
- Convenient Online, Mobile App., Telephone and Text Banking
- Instant Issue Debit Card
- Coin Machine Transactions (where available)
- Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)
- eStatements available
- Fee waived on the purchase of cashier’s checks. Purchase must be made with cash or collected funds.
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- Electronic withdrawal transaction processing only. No withdrawals may be made by paper check drawn on the account
- Bill Pay not available with this account
- No Overdraft Privilege available
Also available for Teachers and Government employees
VIP Student Checking
- $100 minimum deposit to open
- No minimum daily balance requirement
- No monthly service charge
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- FREE Specialty Blue Wallet style checks
- Surcharge-FREE ATMs – (no receipt needed, fee automatically waived)
- Convenient Online, Mobile App., Telephone and Text Banking
- Internet Bill Pay
- Instant Issue Debit Card
- Coin Machine Transactions (where available)
- Mobile Payment Options
- Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)
- eStatements available
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- One Annual Overdraft Pass per year (OD Pass refers to only one refund of the OD charge & does not imply the item would be paid. See bank for additional details)