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Essential Checking

Free online banking

Free debit card

Free Checks

Essential Checking offers many conveniences needed for banking in today’s world, all for just $7.00 a month. Want to reduce your fee? Just receive an e-statement and use your debit card for a fee reduction each month.


  • $7.00 per month
  • $500 overdraft protection
  • Free online banking**
  • Free mobile banking with mobile deposit**
  • Free bill pay ($4 value)
  • Free Debit card (debit card $12 value)
  • Free checks (80 per order, style WOX)


  • $2.00 credit each month for accepting an e-statement
  • $0.20 credit per swipe (max $5 credit)

(No credits for ATM withdrawals. No bonus credits once fee is waived.)


*Overdraft and returned item fees may apply. Minimum to open account is $25.
**Carrier charges may apply.