Personal Banking

Checking Accounts


A Great account with a higher rate on balances up to $15,000*!!  Plus ATM Fee refunds Nationwide*.  REWARDSChecking pays our highest interest rate for checking accounts and is FREE each month when you simply use these three features:

1.  Have at least 10 Debit Card transactions post and clear per qualification cycle (transactions that qualify are point-of-sale transactions, PIN and non-PIN transactions and must be posted during the statement cycle).

2.  Direct Deposit OR Automatic Payment post and clear per qualification cycle.

3. Enroll and receive Online Statements through Online Banking.

Additional Benefits include:

  • No Minimum Balance
  • No Monthly Service Charge with online statements, otherwise a $3.00 monthly fee
  • No Per Check Charge
  • Free ATM/MasterMoney Card
  • Free Online Banking and Bill Pay
  • Free Thank You Gift^
  • Cash for your old unused checks and check card




REWARDSChecking Qualification Periods


A Guide To Your Account

Deposit Account Disclosure: Terms and Conditions

Privacy Statement

Electronic Funds Transfer

Offer good on personal accounts only; Limit 2 accounts per household; Available to Residents of Alabama and Georgia and residents of Okaloosa, Escambia and Santa Rosa Counties in Florida ONLY; Business and Corporate accounts do not qualify for these plans. Bank rules and regulations apply. Minimum opening deposit is only $50. Ask for details. *Annual Percentage Yield (APY) accurate as of 07/30/13. Rate tiers are as follows: .510% APY applies to balances of $.01 - $15,000 and 0.150% APY applies to the portion of balances over $15,000 as long as qualifications are met each statement cycle. 0.090% APY applies to all balances if qualifications are not met. All balances will earn .510% APY to 0.150% APY as long as qualifications are met. ATM fee refunds up to $20 per cycle when qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. ^We reserve the right to substitute a gift of similar value.

In accordance with Section 326 of the USA PATRIOT Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address, and other identifying information.  In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account.  In all cases, protection of our customers’ identity and confidentiality is our pledge to you.



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