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Synergy Checking(2) »

Minimum to open account $10 $50 $25
Monthly service charge Red checkmark Blue checkmark
If combined deposit account balances fall below $10,000
Red checkmark
Pays Interest Red checkmark Blue checkmark Blue checkmark(3)
Free Checks Blue checkmark
First order of basic checks only
Blue checkmark
Community style checks only
Blue checkmark
Synergy style checks only
PIN-Based POS Fees Red checkmark Red checkmark Red checkmark
ATM Withdrawal fee at other locations not owned by us(1) Blue checkmark
$1.00 each
Red checkmark Red checkmark(4)
Special Features
  • Free online banking and billpay
  • Free online banking and billpay
  • Free Money Orders/Bank Checks
  • No Stop Payment Fees
  • Waive annual fee for overdraft LOC
  • Waive 1st year on small safe deposit box
  • Free online banking and billpay
  • Higher yield interest paying account when qualifications are met(3)
  • Reimbursement of domestic ATM fees if qualifications met(4)

1When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

2To qualify for Synergy Checking rates and receive domestic ATM fee refunds you must perform the following during the monthly “qualification cycle:”

  • Have at least 10 debit card purchases** post and settle.
  • Have at least 1 automatic payment (ACH), 1 direct deposit, or 1 Online Bill Payment post and settle.
  • Be enrolled and receive eStatements via Online Banking. Contact us on how to enroll!

**Note: ATM processed transactions do not count as qualifying debit card purchases for purposes of earning rewards within this account.

3Annual Percentage Yield (APY) is effective as of January 2, 2020. The rate may change after the account is opened. Available for personal accounts only. For balances up to $15,000, the APY is 2.25%. The minimum balance to earn this APY is $.01. For the portion of your balance above $15,000, the interest rate is 0.50% with an APY varying from 2.25% for a balance of $15,000.01 to .76% assuming a maximum deposit of $100,000. The minimum balance to earn the APY in this range is $15,000.01. The minimum balance to open the account is $25. If you do not meet the three requirements delineated above during a “qualification cycle,” your account will still be free; however, you will earn the base APY of .05% for the statement period and you will not receive domestic ATM fee refunds for the statement period. The minimum balance to earn this APY is $0.01. Fees could reduce earnings on the account.

Enrollment in online banking and in electronic statements is required to meet certain qualifiers. Please contact us for details on how to enroll.

Please note transactions MUST post to and settle your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account.

4Domestic ATM Fee Refunds
If you meet the requirements associated with a qualification cycle period for Synergy Checking, we will reimburse you for domestic ATM fees. ATM fee reimbursement will be credited to your account on the last day of your statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.

“Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

Restrictions – Only one account per tax owner, with a limit of two accounts per household.