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Important information about procedures for opening a new account:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We will ask for two forms of identification, one must be a photo ID.

 

For more information about  FDIC insurance coverage of transaction accounts, visit www.fdic.gov

Checking Accounts

What account is in your best interest?

An account to fit the needs of everyone, that's simple to understand.

Simply Free

Description:

  • Perfect for Students or Customers who do not use other Bank Services 

Requirements:

  • Minimum balance to open - $100 

Benefits:

  • No minimum monthly balance
  • No monthly service charge
  • No per check charge
  • Approved Visa Check Card available 
  • Various styles of checks available
  • Other bank services at very reasonable prices
  • Personalized checks ready in 48 hrs.
  • Check packages starting at $10.79
    Includes 200 checks, check register, and cover
  • 24 hr access to account information at 580-661-3555

Cost:

  • It's FREE there is no monthly service charge

Customer Choice Club

Description:

  • Get full service care for one low fee.

Requirements:

  • Minimum balance to open - $100

Benefits:

  • No minimum monthly balance required
  • Unlimited check writing
  • Free Personalized Checks ready in 48 hrs
  • No monthly fee on approved Visa Check Card
  • $ 10,000 Accidental Death and Dismemberment Insurance
  • 25% discount on Safe Deposit Box
  • Prescription Drug Discounts
  • Up to 50% discounts with participating Hotels & Motels
  • 24 hr access to account information at 580-661-3555

Cost:

  • Monthly service charge is $ 7.00 per month
  • 62 or older $3.50 per month

Standard  Checking

Description:

  • Large or Small it works for all. 

Requirements:

  • Minimum balance to open - $100.00 

Benefits:

  • Maintain $500.00 - No service charge
  • No monthly fee on approved Visa Check Card
  • Unlimited check writing
  • 24 hr access to account information at 580-661-3555
  • Personalized checks ready in 48 hrs   

Cost:

  • Monthly account maintenance fee of $ 6.00 if balance falls below $500.
  • No service charge for Senior Citizen (62) or children under 18

Money Market

Description:

  • Instant access to your High Returns. 

Requirements:

  • Minimum balance to open - $ 2500.00
  • Transactions are limited to 5 withdrawals (3 checks) per statement cycle (month)  

Benefits:

  • No Monthly Fee on approved Visa Check Card
  • Interest Earned on Balance Below $ 2500.00
  • Earn higher Rates with Balance of $ 2500.00 or More

Cost:

  • Only $ 7.50 Per Month if Minimum Balance Falls Below $ 2500.00

Now Account

Description:

  • A checking account with the availability to write unlimited checks and earn interest. 

Requirements:

  • Minimum balance to open - $750.00 

Benefits:

  • Earn interest on balance
  • Unlimited check writing
  • No per check charge 
  • No monthly fee on approved Visa Check Card
  • Personalized checks ready in 48 hrs
  • 24 hr access to account information at 580-661-3555

Cost:

  • Only $ 6.00 per month if minimum balance falls below $ 750.00