Checking Services
Current Rates
Flexible checking account plans designed for every lifestyle.
TBOC Checking
Earns a high interest rate with no minimum balance and no monthly service fees.
| ACCOUNT NAME |
PERKS |
TBOC Checking
Must meet all of the following in a statement cycle to earn a high rate of interest.
- Direct Deposit
- 10 debit point of sale transactions
- Emailed bank statements
- Enrolled in online banking
- Valid email address
|
- No minimum balance
- Free VISA Check Card
- Free Internet Access and Bill Payment
|
| AVAILABLE TO... |
INTEREST EARNED |
TRANSACTION LIMITATIONS |
MINIMUM BALANCE |
MONTHLY SERVICE FEE |
| Individuals |
Yes Click here for rates. |
None |
None |
None |
Checking Plus
A multitude of banking services for our personal account holders.
| ACCOUNT NAME |
PERKS |
| CHECKING PLUS |
- No minimum balance
- Free VISA Check Card
- Free bank-style checks or 50% discount on any wallet style check
- Free stop payments
- Free travelers checks
- Free cashiers checks (limit 3 per statement cycle)
- Free notary service
- Free domestic wire transfers
- Free Internet Access
- Free online bill payment
- $10 credit on safe deposit box rental
|
| AVAILABLE TO... |
INTEREST EARNED |
TRANSACTION LIMITATIONS |
MINIMUM BALANCE |
MONTHLY SERVICE FEE |
| Individuals |
None |
None |
None |
$12.00 |
Golden Checking Plus
A real "plus" to being 50+... free banking services for our senior personal account holders.
| ACCOUNT NAME |
PERKS |
| GOLDEN CHECKING PLUS |
- No minimum balance
- Free VISA Check Card
- Free bank-style checks
- Free stop payments
- Free travelers checks
- Free cashiers checks (limit 3 per statement cycle)
- Free notary service
- Free domestic wire transfers
- Free Internet Access
- Free online bill payment
- $10 credit on safe deposit box rental
|
| AVAILABLE TO... |
INTEREST EARNED |
TRANSACTION LIMITATIONS |
MINIMUM BALANCE |
MONTHLY SERVICE FEE |
| Individuals age 50+ |
Yes, regardless of balance
Click here for rates |
None |
None |
None |
Basic Checking
Low minimum balance requirements for our personal account customers.
| ACCOUNT NAME |
PERKS |
| BASIC CHECKING |
- May be linked to other accounts to meet minimum balance requirements
- Free Internet Access
- Free online bill payment
|
| AVAILABLE TO... |
INTEREST EARNED |
TRANSACTION LIMITATIONS |
MINIMUM BALANCE |
MONTHLY SERVICE FEE |
| Individuals |
None |
None |
$500 |
$10.00 + $.25 per debit if balance falls below $500 (combined balance) |
Interest Checking
The plan that keeps your money working for you. Available to individuals, sole proprietorships, non-profit organizations & public funds.
| ACCOUNT NAME |
PERKS |
| INTEREST CHECKING |
- Free Internet access
- Free online bill payment
|
| AVAILABLE TO... |
INTEREST EARNED |
TRANSACTION LIMITATIONS |
MINIMUM BALANCE |
MONTHLY SERVICE FEE |
| Individuals, sole proprietorships, non-profit organizations, public funds, and estates |
Yes, if balance is $1,000 or higher; tiered rates Click here for rates |
None |
$1,000 |
$10.00 + $.25 per debit if balance falls below $1,000 |
Free Checking
Worry-free checking for our personal account customers.
| ACCOUNT NAME |
PERKS |
| FREE CHECKING
$10.00 early closing fee if closed within six months
|
- No minimum balance requirement
- Unlimited Check Writing
- Free first order of 50 pack personalized checks
- Check truncation (checks stored at bank)
- Free Internet access
- Free online bill payment
|
| AVAILABLE TO... |
INTEREST EARNED |
TRANSACTION LIMITATIONS |
MINIMUM BALANCE |
MONTHLY SERVICE FEE |
| Individuals |
None |
None |
None |
None |
| ACCOUNT NAME |
PERKS |
| BUSINESS CHECKING |
- Minimum balance waived for public funds, civic organizations
and non-profit organizations
- Account analysis available
|
| AVAILABLE TO... |
INTEREST EARNED |
TRANSACTION LIMITATIONS |
MINIMUM BALANCE |
MONTHLY SERVICE FEE |
| Large & small businesses, public funds, civic organizations, non-profit organizations, trusts, & estates |
None |
None |
$1,000 |
$10.00 + $.25 per debit if the balance falls below $1,000 |
| ACCOUNT NAME |
PERKS |
| FREE BUSINESS CHECKING |
- No minimum balance
- Account activity limited to 250 items per statement cycle
|
| AVAILABLE TO... |
INTEREST EARNED |
TRANSACTION LIMITATIONS |
MINIMUM BALANCE |
MONTHLY SERVICE FEE |
| Large & small businesses |
None |
None |
None |
$10.00 + $.25 per item if activity exceeds 250 items |
If you have any questions regarding our bank services, please click HERE or call THE BANK @ (502) 222-2100 for more information.
