| eChecking | $ensible Checking | Student Checking | Premium Checking | Golden 50 Checking |
| Description | Customers who utilize ATMs, Online Banking or Telephone Banking and want direct deposit and online statements | Customers who want a FREE checking account with no monthly fees or minimum balance | Customers who are students, ages 18-23, and want convenient banking services when away from home | Customers who want an interest-bearing checking account; along with special banking services | Customers who seek to earn the highest interest from a checking account with special banking services and are age 50 or better |
| Earn Interest |  | | |  |  |
| Minimum Opening Deposit | $50 | $50 | $50 | $50 | $50 |
| Minimum Balance | $0 | $0 | $0 | $1,000 minimum or $10,000 combined deposit balance | $500, $1,500 average monthly, $10,000 combined deposit balance or have a direct deposit of social security or pension |
| Direct Deposit Available | Deposits by Direct Deposit or ATM only | Yes | Yes | Yes | Yes |
| Online or Printed Statement | Online Only | Online or Printed | Online Only | Online or Printed | Online or Printed |
| Identity Guard Available |  |  |  |  |  |
| Unlimited Check Writing |  |  |  |  |  |
| Safe Deposit Box Discounts | | | | |  |
| FREE Printed Checks | | | |  |  |
| FREE ATM/Debit Card | Free Card | Free Card | Up to 4 FREE foreign ATM fees waived per statement cycle | Free Card | Free Card |
| FREE Cashiers Checks* | | | |  |  |
| FREE Traveler's Checks | | | |  |  |
| FREE Financial Planning Consultation |  |  |  |  |  |