Checking Account Types

chocolate shop, checking account types, happy shoppers

Checking accounts for every taste.

We offer three sweet checking accounts. Let’s find the right one for you, shall we? (After you’ve chosen your favorite, be sure to take a peek at the items you’ll need when you apply for the account.)

All-In Checking

Our All-In Checking account is fully loaded with benefits to help keep your finances safer, leaving you more time for the important stuff! (Like taking advantage of smart discounts on financial services and everyday purchases.) You’ll also earn 1.25% APY* on your balance of $10,000 or more. (Don’t have quite that much? No worries — you can still earn dividends! Check out the rate tiers.)

You get all the fab bells and whistles below for a small monthly maintenance fee of $6.50 plus tax — no matter if you have an individual or joint account! (We’ll do the math for you… that’s $6.96 a month.)

  • IDProtect®**
    • Identity Theft Expense Reimbursement Coverage
    • Comprehensive Identity Theft Resolution Services
    • 3-in-1 Credit File Monitoring
    • 3-in-1 Credit Report
    • Debit and Credit Card Registration
    • Identity Monitoring
    • Online Identity Theft News Center and Valuable Phone and Web Resources
  • Cellular Telephone Protection (Cell phone bill must be paid with All-In account.)
  • Travel and Leisure Discount Membership**
  • $hopping RewardsTM**
  • Health Discount Savings** (This is NOT insurance.)
  • Accidental Death & Dismemberment Insurance
  • Debit Advantage® Buyer’s Protection & Extended Warranty** (Item(s) must be purchased entirely with All-In account.)

You’ll need to deposit $50 and set up direct deposit when you open your All-In checking account. We also recommend signing up for online banking and eStatements. (Otherwise, it’s an extra $2 plus tax each month to get your statement in the mail.) Just like our other checking accounts, there are no minimum balance requirements.

To see if this is the right account for you, take a look at the All-In account details, including full terms and conditions.

Sign Up for All-In Checking Now!

*APY = Annual Percentage Yield. Rates, terms, and conditions are subject to change without notice. Personal accounts only. **Registration/activation required.

FREE High Yield Checking

Enjoy all the benefits of our free checking account, PLUS you’ll earn 1.50% APY* on your balance up to $15,000 and have your out-of-network ATM fees refunded each month. (Earn that much and use any ATM you want for free? Woohoo!)

There is no monthly service charge, no minimum balance requirements, unlimited free debit card use at retailers and unlimited free check writing. (And it only takes $50 to open the account, just like our free checking.)

To earn these rewards, simply activate online banking and utilize the three free services listed below each month:

  1. Make at least 12 signature-based debit card purchases (select “credit” instead of “debit”)
  2. Receive eStatements
  3. Directly deposit your paycheck or retirement income

You’ll receive an email each month letting you know if you’ve met the requirements needed to earn your rewards. (And if you fall short one month, no biggie! You won’t earn any rewards that month… but we don’t kick you out or anything.)

Sign Up for Free High Yield Checking Now!

*APY = Annual Percentage Yield (Balances over $15,000 receive our current free checking rate.) Rates, terms and conditions are subject to change without notice. Personal accounts only.

FREE Checking

You’re gonna want to check this out! (See what we did there?) To open a free checking account, you’ll need to deposit $50, but after that, there’s no minimum balance requirement, no per check charge and no monthly maintenance fee. You get a free debit card, free online banking, free mobile banking*, free online Bill Payer, and our free online money manager! Plus an average daily balance of $2,500 or more earns dividends. (Oh, yeaaaaahhhh!)

Sign Up for Free Checking Now!

*Data and other wireless carrier charges may apply.

Online Services

Check out all the ways you can access your checking account whenever it tickles your fancy.


See what you can earn on your checking and other deposit accounts.


Not something a company likes to boast about – unless you’re comparing ours to those at most other financial institutions. Our fees are fewer and the dollar amounts are lower.

Check Stop Payment Request

Need to put the whoas on a check or two? Here’s a form to help you do just that. (Keep in mind, there is a $25 fee per item to do this.)

Check Copy Request

For a copy of a check you’ve written that’s been cashed, you can do that here for $1 per check. (Psst, you can see this for free through our online banking service…)

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