Personal Checking & Savings

Find the accounts that fit your needs from our wide range of personal checking and savings account options.

Find your account:  Premiere Checking  |  Basic Checking  |  Savings Accounts

Additional Services & Fees

The information provided on this page provides basic information on our accounts for comparison purposes only. For complete information on the services offered with an account, the fees associated with an account, and other terms and conditions, please call us at (620) 227-8586 or visit us at our Main Bank or North Branch location.

Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Premiere Checking Accounts

Return to Top |

  Ultima Checking Personal NOW Heritage Gold
What are you looking for? I want a full-featured interest-bearing account that lets me write checks. I want an interest-bearing account that lets me write checks. I'm 55 years or older and want a checking account with premiere features.
Free Direct Deposit Tickmark Tickmark Tickmark
Free Online Banking Tickmark Tickmark Tickmark
Free Banking by Phone Tickmark Tickmark Tickmark
Visa Check Card Included Upon Approval Included Upon Approval Included Upon Approval
ATM Card Included Upon Approval Included Upon Approval Included Upon Approval
Returned Check Images Tickmark Tickmark Tickmark
Interest-Bearing1 Tickmark Tickmark  
Unlimited Transactions Tickmark   Tickmark
Free Checks 400 "Specialty Grey" checks per year   400 "Specialty Grey" checks per year
Free Money Orders & Travelers' Checks Tickmark   Tickmark
Premium Banking Services Yes. Contact us for more information.    
Minimum Monthly Balance Requirements2 $1,500 current balance or $3,000 average available balance $1,000 current balance or $1,500 average available balance None
Monthly Maintenance Fee2,3 None if either minimum balance requirement is met, otherwise $12.00 per month None if either minimum balance requirement is met, otherwise $8.00 per month $4.00 per month
Monthly Transaction Fees2 None None if average balance requirement is met, otherwise $0.30 for each debit item over 20 items per month None
  1. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
  2. Monthly balance requirements and service fees subject to change. Contact us for the latest information.
  3. In addition to the monthly maintenance fee, an inactivity fee will be charged if your account is inactive for a period of time and your balance falls below a certain amount. Contact us for further details.

Basic Checking Accounts

Return to Top |

  Regular Checking Thrifty Checking Value Checking Heritage Checking
What are you looking for? I want a flexible checking account with a low minimum balance. I want a simple checking account with no required balance. I'm under 30 years old and need a basic checking account. I'm 55 years or older and need a full-featured checking account.
Free Direct Deposit Tickmark Tickmark Tickmark Tickmark
Free Online Banking Tickmark Tickmark Tickmark Tickmark
Free Banking by Phone Tickmark Tickmark Tickmark Tickmark
Visa Check Card Included Upon Approval Included Upon Approval Included Upon Approval Included Upon Approval
ATM Card Included Upon Approval Included Upon Approval Included Upon Approval Included Upon Approval
Returned Check Images Tickmark     Tickmark
Interest-Bearing1        
Free Checks        
Premium Banking Services       Yes. Contact us for more information.
Minimum Monthly Balance Requirements2 $500 current balance or $1,000 average available balance. None None $100 current balance or $1,000 average available balance.
Monthly Maintenance Fee2,3 None if either minimum balance requirement is met, otherwise $6.00 per month
 
If you are 62 years or older, convert to a Senior Checking account with no monthly maintenance fee. Contact us for details.
$3.00 per month None None if either minimum balance requirement is met, otherwise $6.00 per month
Monthly Transaction Fees2 None if either minimum balance requirement is met, otherwise $0.30 for each debit item over 20 items per month
 
If you are 62 years or older, convert to a Senior Checking account with no monthly transaction fee. Contact us for details.
$0.30 for each debit item over 10 items per month None None if minimum average balance requirement is met, otherwise $0.30 for each debit item over 20 items per month
  1. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
  2. Monthly balance requirements and service fees subject to change. Contact us for the latest information.
  3. In addition to the monthly maintenance fee, an inactivity fee will be charged if your account is inactive for a period of time and your balance falls below a certain amount. Contact us for further details.

Savings Accounts

Return to Top |

  Regular Savings Money Market Advantage Money Market Certificate of Deposit
What are you looking for? I want a basic savings account. I want to earn more interest and have easy access to my money. I want to invest a larger amount of funds at higher interest rates and have easy access to my money. I want to earn an even higher interest rate and can plan when I need my money.
Free Direct Deposit Tickmark Tickmark Tickmark  
Free Online Banking Tickmark Tickmark Tickmark Tickmark
Limited Check Writing   Tickmark Tickmark  
Free Checks   Tickmark Tickmark  
Higher Interest Rates on Higher Balance Tiers1   Tickmark Tickmark Tickmark
Minimum Balance Requirements2 $300 current balance or $1,000 average available balance $1,000 current balance or $2,500 average available balance $10,000 current balance or $15,000 average available balance Based on Type of CD
Monthly Maintenance Fee2,3 None if either minimum balance requirement is met, otherwise $3.00 per month None if either minimum balance requirement is met, otherwise $10.00 per month None if either minimum balance requirement is met, otherwise $12.00 per month None
  1. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
  2. Monthly balance requirements and service fees subject to change. Contact us for the latest information.
  3. In addition to the monthly maintenance fee, an inactivity fee will be charged if your account is inactive for a period of time and your balance falls below a certain amount. Contact us for further details.