Checking Accounts
Click here to reorder checks.
Click here to learn about our OverDraft Privilege.
Simply Free Checking
and six other accounts that pay you interest!!!
Open a checking account and receive a FREE gift.
* Plus receive up to $25 for your old checks and debit cards.
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All Checking Account Include
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Minimum deposit to open an account is $50
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Free Online Banking and BillPay
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Free MasterCard Check Card
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Free Return of Check Images
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Easy to Balance Monthly Statement
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Unlimited Check Writing**
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No Per Check Charge**
** these features not included with eChecking
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Simply Free Checking 
A Free account for everyone!
- No minimum balance
- No monthly service charge
- No per check charge
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50+ Free Interest Checking
Free to customers 50 and over!
- Competitive interest
- No minimum balance
- No monthly service charge
- Free Franklin Stock checks
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VIP Free Interest Checking
Free checking with he convenience of
direct
deposit or any automatic payment
- Competitive interest
- No minimum balance
- No monthly service charge
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Low Minimum Interest Checking
Your checking balance earns you money!
- Competitive interest
- No monthly service charges with minimum balance of $500
- Only $6 monthly charge minimum balance falls below $500
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Prestige Checking
An account for those interested in
higher interest
- Higher interest rates with a balance of $2500 or more
- Competitive interest if balance falls below $2500
- Only $8 monthly charge if minimum balance falls below $1000
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No Minimum Interest Checking
Free checks, interest and
unlimited check writing
- Free Franklin Stocks checks
- Competitive interest
- No minimum balance
- All for just $4 per month
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eChecking
Pay-as-you go and earn interest!
- Competitive interest
- No minimum balance
- No monthly service charge
- Only .20 cents per check
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Credit Cards
- Click here to learn more and/or to apply for Elan Visa Consumer or an Elan Visa Business Credit Card.
- For existing card holders, please click here to go to My Account Access
| Personal Checking - Current Rates |
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| Description | APY |
Rate |
Minimum Deposit
to open an Account |
Minimum Balance
to earn Interest |
| Simply Free Checking |
0.00% |
0.00% |
$50.00 |
$0.00 |
| 50+ Free Interest Checking |
0.25% |
0.25% |
$50.00 |
$500.00 |
| VIP Free Interest Checking |
0.25% |
0.25% |
$50.00 |
$500.00 |
| Low Minimum Interest Checking |
0.25% |
0.25% |
$50.00 |
$500.00 |
| Prestige Checking |
0.25% |
0.25% |
$50.00 |
$500.00 |
| Prestige Checking for Balance $2500 or More |
1.25% |
1.24% |
$50.00 |
$2,500.00 |
| No Minimum Interest Checking |
0.25% |
0.25% |
$50.00 |
$500.00 |
| eChecking with Interest |
0.25% |
0.25% |
$50.00 |
$500.00 |
Rates effective:
Interest rates subject to change at any time without notice.
APY=Annual Percentage Yield
*No minimum balance required to earn stated APY, except Prestige Checking.
For which a higher APY is earned on balances over $2500.
Subject to Applicable Service Fees and Disclosures |
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Terms and conditions may apply to any or all accounts. Please refer to individual account disclosure for this information.
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