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Which checking account is right for you?
Select an account below to learn more.
Lost your debit card?
During normal business hours call:
318.649.6136
After business hours call:
800.500.1044
Personal Checking
| Feature | Requirement/Charge |
|---|---|
| Minimum Initial Deposit | $100 |
| Minimum Balance Required During Statement Cycle: | |
| $800 and Over | No Charge |
| $600 - $799.99 | $2.00 |
| $400 - $599.99 | $3.00 |
| $200 - $399.99 | $4.00 |
| $199.99 and Under | $5.00 |
| Statement Period | Monthly |
| Overdraft Charge (Per Item) | $26.00 |
| Insufficient Funds Charge (Per Item) | $26.00 |
| Stop Payment Charge (Per Item) | $12.50 |
Senior Citizens 62 years and older are exempt from maintenance fee and also get FREE personalized safety paper checks.
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Commercial Checking
| Feature | Requirement/Charge |
|---|---|
| Minimum Initial Deposit | $100 |
| Minimum Balance Required During Statement Cycle | None |
| Statement Period | Monthly |
| First Order Safety Paper Checks | No Charge |
| Overdraft Charge (Per Item) | $26.00 |
| Insufficient Funds Charge (Per Item) | $26.00 |
| Stop Payment Charge (Per Item) | $12.50 |
Reward Checking
| Feature | Requirement/Charge |
|---|---|
| Minimum Initial Deposit | $100.00 |
| Minimum balance required | None |
| VISA Debit Card | $1.00 per month |
| Other Fees | |
| Funds transferred between inter bank accounts | No Charge |
| Receipt of Statements | |
| e-Statements | No Charge |
| Postal Mail | $3.00 |
| Foreign ATM Fees – Refunded up to $10.00 | No Charge |
Student Checking
| Feature | Requirement/Charge |
|---|---|
| Minimum Initial Deposit | $50.00 |
| Minimum Balance Required During Statement Cycle | None |
| Statement Period | Monthly |
| First Order Safety Paper Checks | No Charge |
| Overdraft Charge (Per Item) | $12.00 |
| Insufficient Funds Charge (Per Item) | $12.00 |
| Stop Payment Charge (Per Item) | $12.50 |
NOW Checking
| Feature | Requirement/Charge |
|---|---|
| Minimum Initial Deposit | $1,000.00 |
| Minimum Balance Required to obtain APY | $1,000.00 |
| Minimum Balance Required During Statement Cycle: | |
| $1,000 and Over | No Charge |
| Interest Earned | |
| Compounded and Credited | Monthly |
| Computation Method | Daily Balance |
On non-cash items, interest will begin to accrue when funds are collected. |
|
| Statement Period | Monthly |
| Overdraft Charge (Per Item) | $26.00 |
| Insufficient Funds Charge (Per Item) | $26.00 |
| Stop Payment Charge (Per Item) | $12.50 |
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time. |
|
Super NOW Checking
| Feature | Requirement/Charge |
|---|---|
| Minimum Initial Deposit | $2,500.00 |
| Minimum Balance Required to obtain APY | $2,500.00 |
| Minimum Balance Required During Statement Cycle: | |
| $2,500 and Over | No Charge |
| Interest Earned | |
| Compounded and Credited | Monthly |
| Computation Method | Daily Balance |
On non-cash items, interest will begin to accrue when funds are collected. |
|
| Statement Period | Monthly |
| Overdraft Charge (Per Item) | $26.00 |
| Insufficient Funds Charge (Per Item) | $26.00 |
| Stop Payment Charge (Per Item) | $12.50 |
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time. |
|
Bonus Checking
| Feature | Requirement/Charge |
|---|---|
| Minimum Initial Deposit | $100.00 |
| Minimum Balance Required to obtain APY | None |
| Accidental Death Insurance | |
| Basic ($20,000) | $8.00 |
| Personal ($40,000) | $10.00 |
| Family ($60,000) | $12.00 |
| Over 70 Personal ($20,000) | $6.00 |
| Over 70 Family ($30,000) | $8.00 |
| Statement Period | Monthly |
| Overdraft Charge (Per Item) | $26.00 |
| Insufficient Funds Charge (Per Item) | $26.00 |
| Stop Payment Charge (Per Item) | $6.25 |
| Bonus Checking Checks | No Charge |
| Additional Benefits | No Charge |
| Member Magazine | No Charge |
| Traveler’s Advantage & Discount | No Charge |
| Traveler’s Checks - Regular | $2.00/hundred |
| Dual Signatures | No Charge |
| Credit Card Registration | No Charge |
| Shopper’s Advantage | No Charge |
| Wire Transfer | No Charge |
| Notary | No Charge |
| Cashier’s Checks | No Charge |
| Money Orders | No Charge |