Checking

All of our checking accounts include:

  • Free instant issue Visa debit cards
  • Free bill pay
  • Free online and mobile banking
  • Free debit card protection tool
  • Free electronic statements

Windmill Simple Checking – our free checking account with the option to earn interest

    • $100 to open an account, no ongoing minimum balance requirements
    • Unlimited check writing;
    • Earn an interest rate on your account balance up to $25,000.00 by meeting these cost-saving requirements every statement cycle:

– 12 Visa debit card transactions posted per statement cycle
– 1 Direct Deposit or 1 Direct Withdrawal posted per statement cycle
– Receive e-statements only

Golden Checking – a free checking account for customers aged 55 and above

  • $100 to open an account, no ongoing minimum balance requirements
  • Unlimited check writing
  • No interest paid on balances

NOW Account – an interest-earning checking account for those who maintain higher balances

  • $1,000 to open an account
  • A service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1000.00.
  • $0.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 20 during a statement cycle.
  • Interest earned on account balances of any amount

Health Savings Account – an interest-earning checking account to be used exclusively for out-of-pocket medical expenses associated with a high deductible health plan.

  • $100 to open an account
  • You must be enrolled in a high deductible health plan to qualify
  • Tax-free deposits can be made to cover qualified medical expenses
  • Interest earned on account balances of any amount