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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 |
| Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
| Insufficient Funds Charge (Per Item) | Refer to Other Fees |
| Stop Payment Charge (Per Item) | Refer to Other Fees |
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 |
| Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
| Insufficient Funds Charge (Per Item) | Refer to Other Fees |
| Commercial Checking Fee | $5.00 |
| Stop Payment Charge (Per Item) | Refer to Other Fees |
Citizens Plus Checking
| Feature | Requirement/Charge |
|---|---|
| Minimum Initial Deposit | $100.00 |
| Minimum balance required | None |
| VISA Debit Card | None |
| Interest Earned | |
| Compounded and Credited | Monthly |
| Computation Method | Daily Balance |
On non-cash items, interest will begin to accrue when funds are collected. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time. |
|
| Other Fees | |
| Funds transferred between inter bank accounts | No Charge |
| Receipt of Statements | |
| e-Statements | No Charge |
| Postal Mail | $3.00 |
| Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
| Insufficient Funds Charge (Per Item) | Refer to Other Fees |
| Stop Payment Charge (Per Item) | Refer to Other Fees |
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 |
| Returned Item Fee / Overdraft Fee (each) | $12.00 |
| Insufficient Funds Charge (Per Item) | $12.00 |
| Stop Payment Charge (Per Item) | $20.00 |
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 |
| $999 and Under | $5.00 fee |
| 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 |
| Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
| Insufficient Funds Charge (Per Item) | Refer to Other Fees |
| Stop Payment Charge (Per Item) | Refer to Other Fees |
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 |
| $2,499 and Under | $5.00 fee |
| 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 |
| Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
| Insufficient Funds Charge (Per Item) | Refer to Other Fees |
| Stop Payment Charge (Per Item) | Refer to Other Fees |
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 |
| Statement Period | Monthly |
| Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
| Insufficient Funds Charge (Per Item) | Refer to Other Fees |
| Stop Payment Charge (Per Item) | Refer to Other Fees |
| Bonus Checking Checks | No Charge |
| Additional Benefits | No Charge |
| Member Travel Magazine | No Charge |
| Traveler’s Advantage & Discount | No Charge |
| Credit Card Registration | No Charge |
| Saver's Club | No Charge |
| Wire Transfer | No Charge |
| Notary | No Charge |
| Cashier’s Checks | No Charge |
| Money Orders | No Charge |
Accidental Death and Dismemberment Insurance:
|
Defenders of Freedom Account
- Monthly statement cycle
- No monthly maintenance fee
| Feature | Requirement/Charge |
|---|---|
| First order of wallet checks | No Charge |
| Minimum Balance Required During Statement Cycle | None |
| Interest Earned | |
| Compounded and Credited | Monthly |
| Computation Method | Daily Balance |
On non-cash items, interest will begin to accrue when funds are collected. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest on your account at any time. |
|
| ATM/Visa Debit Card Holder Fee | No Charge |
| Cashier's Checks and Money Orders | No Charge |
| Notary Service | No Charge |
| Wire Transfer | No Charge |
| Fax Service | No Charge |
| Bonus Rate on Certificate of Deposit | |
| Safe Deposit Box Rental Fee | 50% Discount (upon availability) |
| Eligibility Requirements | Available to all Military Personnel (active or non-active), Veterans, Law Enforcement, Fire Fighters, and First Responders |
| Returned Item Fee / Overdraft Fee (each) | Refer to Other Fees |
| Insufficient Funds Charge (Per Item) | Refer to Other Fees |
| Stop Payment Charge (Per Item) | Refer to Other Fees |