A checking account can be your most important financial tool for managing your life’s daily activities. Choose the checking account that’s best for you. Download the Checking Comparison Chart (PDF, 88k) .
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E-Free Checking
A Checking Account that’s free from a monthly service fee
- No monthly fee
- No minimum balance requirements
- Courtesy Pay privileges
- Plus E-Central Advantage package
Premium Value Checking
A checking account that pays you and protects you
- Earn a dividend
- Free Overdraft Protection (3 transaction per month)
- Courtesy Pay privileges
- Low Minimum Balance of $500*
- Plus E-Central Advantage package
Classic Checking
Our standard checking account
- Free Overdraft Protection (3 transaction per month)
- Courtesy Pay privileges
- No minimum balance requirements
- Low monthly fee of $5
- Plus E-Central Advantage package
E-Builder Checking
A new start for those who have a ChexSystems history
- Free Overdraft Protection linked from Savings** (3 transaction per month)
- $50.00 minimum to open
- $200.00 pledged into Savings
- $10.00 monthly service fee
- Eligible to upgrade checking account after 12 months with good history
- Other restrictions apply
- Plus E-Central Advantage package
The E-Central Advantage Package
All our checking accounts are loaded with money saving features that give you value, convenience, and service. Besides the base features as sited above, you will also enjoy:
- Free first box of checks
- Free ATM/Visa Debit Card
- Free Internet Banking
- Free Internet Bill Pay
- Free internet check viewing
- Free E-Statements
- Free Teller-Phone
- Unlimited, free point-of-sale transactions
- Unlimited teller access
- Unlimited check writing privileges
- Earn a discount on consumer loans
- 5 Free universal ATM withdrawals+ (per month)
Peace of Mind Protection
Enjoy peace of mind with our Overdraft Protection and Courtesy Pay services. Your Savings Account will be linked to your Checking to cover any overdrafts. For added protection, you can also apply for a Personal Line of Credit.
Our Courtesy Pay service will cover an overdrawn check, Visa Debit Card, or ATM transaction that is not covered by your Overdraft Protection. This service will spare you from any embarrassment and additional merchant fees.
Here’s how it works:
- We’ll honor up to $300 in overdrafts.++
- We’ll notify you by mail if an overdraft occurs and charge your account.
- You’ll have a 15 day grace period to bring your account current.
Check Re-orders
By making your check re-order online, you can save up 3-5 days over sending your re-order slip
by mail. For the most variety in styles and features, we offer two different check printers.
*If balance falls below $500, then a $5 monthly fee applies.
**excludes pledge amount.
+ A $1.00 fee will be accessed for each additional ATM withdrawal after the first 5, per month.
++Courtesy Pay requires an E-Central Checking Account (E-Builder not eligible). Total coverage amount includes all fees. Courtesy Pay fee is $25 per occurrence. Certain restrictions apply.