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Personal Checking & Savings
Choose the accounts that sound best for you, based on the information below, and click Apply Now to get started. It’s quick, easy, and generally takes 15 minutes or less to complete the process. The following account types can be opened online:
- Premier Checking
- Oak Tree Checking
- eChecking
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- eSavings
- Old-Fashioned Savings
- Liquidity Plus Money Market
- Certificates of Deposit (select terms)
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Looking for something else? Contact our friendly branch staff for more information.
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Our Premier Checking account is designed for customers who want to enjoy the privileges of our highest-level relationship account. With Premier Checking, you'll enjoy premium rates, special discounts and other exclusive benefits. Gain more than just interest; discover how our Premier Checking account can ensure you get the most out of your banking experience.
- Interest bearing
- $500 minimum opening balance
- $25 monthly service charge, waived
with $25,000 combined average daily balance
- No OVCB/ESCB fee on foreign ATM transactions
- Free Domestic and Incoming International Wires
- No purchase fee on up to 5 prepaid Gift Cards
per month
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- Rebate on up to 5 foreign ATM fees charged by
other
banks per month
- Free Premier Club checks
- Free small safe deposit box or $45 annual credit
toward larger box1
- No fee cashier's checks
- Overdraft Privilege available
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Rates & Fees
[+] Additional Checking Disclosure
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.
†APY=Annual Percentage Yield.
1- Subject to availability |

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Oak Tree Checking is a versatile interest bearing account best suited for customers who want to be able to conduct unlimited transactions and earn interest.
- Interest bearing
- $250 minimum opening balance
- $10 monthly service charge waived with
$1,000 minimum daily balance, or $10,000 combined average daily balance, or recurring monthly direct deposit
- $10 monthly service charge, waived for Student/Military1
- Free check images available through online banking
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- No OVCB/ESCB fee on foreign ATM transactions
- Rebate on up to 3 foreign ATM fees charged by
other banks per month
- No fee cashier’s checks, up to 3 per month
- Free small safe deposit box for first year2
- Overdraft Privilege available
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Rates & Fees
[+] Additional Checking Disclosure
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.
†APY=Annual Percentage Yield.
1 - Waived for college students age 18 and over and military personnel. One time student/military ID or proof of enrollment presentment required at account opening.
2- Subject to availability |

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eChecking is a versatile, low-cost account best suited for customers who want to be able to conduct unlimited transactions and do most of their banking online, whether at home, in the office, or on the go with their mobile device.
- $250 minimum opening balance
- $7 monthly service charge, waived with $500 minimum daily balance, or $1,500 combined
average daily balance, or recurring monthly direct deposit
- Includes eStatements1
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- Free check images available through online
banking
- No OVCB/ESCB fee on foreign ATM transactions
- Overdraft Privilege available
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Fees
1 - $3.00 Paper statement fee |

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All of our checking accounts come with these environmentally friendly options at no additional charge:
- Online Banking and Bill Pay
- eStatements
- Debit MasterCard
- Online Check Images
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- Direct Deposit
- In Touch Telephone Banking
- Mobile Banking
- Mobile Express Deposit
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Start saving with a low minimum balance and the convenience of eStatements. Unlimited ATM and in-branch withdrawals. You can also make up to six free withdrawals or transfers by pre-authorized, automatic, or telephone per month (statement cycle).
- $5 monthly fee, waived with $250 minimum daily balance
- $100 minimum opening deposit
- $4 fee on each withdrawal which exceeds limits
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Rates & Fees
[+] Additional Savings Disclosure
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.
†APY=Annual Percentage Yield.
Withdrawals or transfers to another account or third parties by pre-authorized, automatic, or telephone transfers are limited to six (6) per statement cycle, which includes by check, draft, debit card or similar order to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For each additional withdrawal, an excessive withdrawal fee of $4 will be applied at the end of the statement cycle.
* $3 Paper statement fee. |

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Start saving with a traditional savings account. Unlimited ATM and in-branch withdrawals. You can also make up to six free withdrawals or transfers by pre-authorized, automatic, or telephone per month (statement cycle). Minor Savings Accounts are also available for children under 18 years of age.
- $5 monthly fee, waived with $500 minimum daily balance
- $100 minimum opening deposit
- $4 fee on each withdrawal which exceeds limits
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Rates & Fees
[+] Additional Savings Disclosure
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.
†APY=Annual Percentage Yield.
Withdrawals or transfers to another account or third parties by pre-authorized, automatic, or telephone transfers are limited to six (6) per statement cycle, which includes by check, draft, debit card or similar order to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For each additional withdrawal, an excessive withdrawal fee of $4 will be applied at the end of the statement cycle. |
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Our Liquidity Plus Account is a high-yield interest bearing money market account. The account is tiered, so the more you save the higher the rate of interest you will earn. Liquidity Plus is perfect for customers with limited check-writing needs who want to earn a competitive interest rate.
Unlimited ATM and in-branch withdrawals. You can also make up to six free withdrawals or transfers by pre-authorized, automatic, or telephone per month (statement cycle).
- $10 monthly service charge, waived with $10,000 minimum daily balance or $25,000 combined average balance.
- Interest bearing
- Tiered rate of return
- Unlimited access to funds via branch
- $10,000 minimum opening balance
- $10 fee on each withdrawal which exceeds limits
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Rates & Fees
[+] Additional Savings Disclosure
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.
†APY=Annual Percentage Yield.
Withdrawals or transfers to another account or third parties by pre-authorized, automatic, or telephone transfers are limited to six (6) per statement cycle, which includes by check, draft, debit card or similar order to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For each additional withdrawal, an excessive withdrawal fee of $10 will be applied at the end of the statement cycle. |
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