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Personal Checking

Choose from one of three easy options. Each offers free online bill pay and online banking. 

  Personal Checking Personal Checking
with Interest*
Money Market Account*
Service Charge


$10.00* None
Minimum Balance to Open $100 $1,000 $2,500
Online Banking Free Free Free
Online Bill Pay Yes Yes N/A
ATM Free** Free** Free**
Imaged Statements Free Free Free
Personalized Checks First Order Free First Order Free First Order Free
Discounted Safe Deposit Boxes N/A N/A Yes


*To avoid the imposition of the service charge you must meet the following requirements:  A service charge of $10.00 will be imposed every statement cycle if the average daily balance for the relationship falls below $5000.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by number of days in the period. A relationship is defined as all deposit accounts with related ownership including demand deposit accounts, certificates of deposit and money market accounts. The period we use is the calendar month.

Please, contact the bank for additional details and Truth In Savings Disclosures

* Call 1-866-588-OAKS (6257) for rates.

** We don’t believe our customers should have to pay ATM fees. When you use another bank’s ATM, we pay the fees automatically for you.

N/A Not Available.

Member FDIC