The Checking That’s Simply FREE
- FREE – No Monthly Service Charge
- FREE – No Minimum Balance
- FREE – Unlimited Check Writing
- FREE – Online Banking
- FREE – Online Billpay
- FREE – Mobile Banking
- FREE – e-Alerts
- FREE – e-Statements 1
- Earns Dividends! 2
 Effective January 2019 – Paper Statement Fee. A recurring $2.00 fee will apply if you choose to receive an account statement in paper form. To avoid the paper statement fee, login to your Online Banking and sign up for free e-Statements. New members will have two statement cycles to sign up for e-Statements.
 Dividends earned are posted to the checking account quarterly on the average daily balance of $1,000 or more.
 Simply Checking accounts are eligible for discretionary OOPS!™ (Occasional Overdraft Privilege Service)* which can mean fewer returned check charges when you make mistakes for more money than you have in your checking account. Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. See our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means. Our normal non-sufficient funds or overdraft charge (currently $35) will apply to each item overdrawing your account, and we reserve the right to require you to repay your overdrafts immediately or on demand.