Personal Checking Accounts

Personal Checking Accounts

Choose the personal checking account that best suits your needs.

Coastal Rewards Checking Account

Minimum amount to open account: $50
Minimum daily balance requirement: $0

  • High interest rate earned on daily balances up to $10,000
  • Balances over $10,000 still earn interest
  • No minimum daily balance requirement
  • No monthly service charge
  • Free VISA® debit card
  • Free online banking and bill pay
  • Free telephone banking
  • Free basic checks for first order
  • Unlimited free nationwide ATM transactions
  • Free monthly statements via secure website
  • Overdraft protection available subject to credit approval

To Earn The High Interest Rate:
The following four qualifications must be met each monthly qualification cycle.

  • Have at least 10 VISA® debit card (non-ATM) transactions post & clear
  • Be enrolled in online banking
  • Receive eStatements
  • Have at least one direct deposit, ACH transaction, or automatic third party draft post & clear

Balances over $10,000 in the monthly statement cycle earn interest at a lower rate.

When qualifications are not met by one day prior to the close of the monthly statement cycle, daily balances will earn interest at a lower rate.

Senior Free Checking (50 or better)

Minimum amount to open account: $50
Minimum daily balance requirement: $0

  • Interest bearing account
  • Unlimited check writing
  • Free VISA® Debit Card
  • Free online banking and bill pay
  • Free telephone banking
  • Free basic checks
  • Unlimited free nationwide ATM transactions
  • Free monthly statements with check images via U.S. mail or secure website
  • Half price on 3×5 safe deposit boxes
  • Overdraft protection subject to credit approval

Free Checking Account

Minimum amount to open account: $50
Minimum daily balance requirement: $0

  • Unlimited check writing
  • Free VISA® Debit Card
  • Free online banking and bill pay
  • Free telephone banking
  • Free basic checks (first order)
  • Unlimited free nationwide ATM transactions
  • Free monthly statements with check images via secure email
  • Overdraft protection subject to credit approval

Interest Checking Account

Minimum amount to open account $50
Minimum daily balance requirement $750
Maintenance fee (if less than minimum balance) $10

      • Earn interest on entire balance

 

      • Unlimited check writing

 

      • Free VISA® debit card

 

      • Free online banking and bill pay

 

      • Free telephone banking

 

      • Free basic checks (first order)

 

      • Unlimited free nationwide ATM transactions

 

      • Free monthly statements with check images via secure website

 

    • Overdraft protection subject to credit approval

The Visa® Debit Card:
Unlimited Free Nationwide ATM Transactions and More.

Access your cash or account balance at any ATM nationwide for free. Your VISA® debit card can also be used to make purchases at most businesses throughout the world that accept VISA®. Purchases made using your VISA® debit card are deducted directly from your checking account.