Senior Checking Account

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

  • Primary accountholder must be at least 62 years old. Should account ownership change and the primary accountholder is no longer 62+, the account will be transferred to a Truly Free Checking account.
  • Minimum deposit to open: $10.00
  • No monthly service charge.
  • This is an interest1 bearing account. A minimum daily collected balance of $100.00 is required to earn interest.
  • Standard style checks can be ordered at no additional charge. Other check styles are available at 50% off. This applies only to orders made and printed through the Bank.

1Variable-rate account. At our discretion we may change the interest rates and annual percentage yields at any time without notice. Fees may reduce earnings. Interest will be compounded every month and credited to your account every month. The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. On non-cash deposits (checks, for example), interest will begin to accrue no later than the next business day.  Rate sheet available at any office or online at

For additional information on current rates, applicable fees, and terms, please speak with a Customer Service Representative.