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Totally Free Checking

Choose checking that moves you toward financial independence. This versatile option empowers you with the services and benefits you need.

Key Features

  • Surcharge-Free ATM Access
  • Discounts on Loans
  • Free Digital Banking4
  • Free Safe Deposit Box7

CIB Exclusive Features & Benefits

Personal CIB Exclusive Features & Benefits

  • Versatile checking with many great benefits
  • No monthly service fee
  • No minimum balance
  • Free eStatements with images1
  • Free thank you gift2
  • Buy back of your unused checks and debit cards from another financial institution3
  • Text/email account alerts4
  • Discount on loans with automatic debit
  • Person-to-Person (P2P) payments available
  • Overdraft protection available:
    • Automatically transfer funds from savings to cover overdrafts5
    • Convenience creditline of credit (subject to approval)
  • Free debit Mastercard®
  • Free digital banking, including mobile banking and digital wallet4
  • Free safe deposit box for 1 year (5” x 3”, one per account)7
  • Free telephone banking (TeleBANK)
  • Surcharge-free ATMs available
  • $25 minimum deposit to open

1Paper statements available. Monthly image fee an additional $2.95 for paper statements.

2Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at time of account opening.

3$10 for checks and debit cards from another financial institution given at time the checks/debit cards are presented.

4Your mobile carrier's text messaging and internet charges may apply.

5A $9 transfer fee applies, limited to 6 transfers per month.

6$30 annual fee. Based on credit approval. 18.00% Annual Percentage Rate. Minimum monthly payment of 5% of outstanding balance or $25, whichever is greater.

7First-time CIB box holder. May upgrade to a larger box and pay the difference. A non-refundable lock transfer fee of $3 is required for all new rentals. There is a $250 drilling fee due to lost keys. A 10% charge is assessed on past due payments. Contents of safe deposit boxes are not FDIC insured.

Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, early account closing, etc. may apply. See fee schedule for details.