Direct Checking

Everyday Convenience

A convenient checking account for everyday banking needs

Direct checking - just because there’s no minimum balance doesn’t mean there’s no frills. Your account comes with all the perks, including:
  • FREE online & mobile banking with bill pay
  • FREE personalized VISA debit card
  • Access to thousands of surcharge-free ATMs with ATM Access and Moneypass®
  • No minimum balance requirements
  • $700 Overdraft Privilege available, fees may apply1
  • $5 Monthly Maintenance Fee (No fee for seniors age 62 or above)
  • Refund of our fee on non-proprietary ATM transactions2

Open Your Account & Enroll in Online Banking

Open a Direct Checking Account online in less than 15 minutes. Once you open your account, access your account and cards 24/7 with Online Banking and our Mobile App. 

Banking that’s not just Personal. It’s Personalized.


Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money.

Online Bill Pay

Simply the best way to manage your payments including account to account transfers, reminders, automatic payments and more.

Account Alerts

Staying on track with your finances has never been easier. With alerts, you know the moment something important happens on your accounts.

Credit Cards

Explore our credit card offers with key fraud protection features, rewards perks, digital pay and more. Access all your cards and accounts on mobile banking.


Whether you're buying, building or refinancing, the time is now while mortgage rates remain at historical lows. We're here to help make it happen–stress-free.

Financial Planning*

Although the future is unknown, planning is the best means by which we exercise control over our destinies. Our Financial Planners understand the complex needs of individuals and couples from all walks of life. *Investment products are Not FDIC Insured, Not Bank Guaranteed and May Lose Value

Banknotes & Resources

1This is not a line of credit. An overdraft fee of $35 per item applies. There is no limit to the number of overdraft fees we may assess per day. An overdraft fee of $25 for a continued negative balance will be assessed on the 10th and 15th business days. An overdraft fee may be charged for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Any overdrawn balance, including fees, is due and payable upon demand and should be paid no later than 30 days after the overdraft occurred. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. For more information refer to the Overdraft Privilege Policy section within the Account Fees & Options link.
2Other financial institutions may still apply a surcharge fee