Personal Checking

Manage everyday expenses with our flexible, easy-to-use checking accounts. From buying groceries to paying bills, we have secure accounts you can trust.

Home Personal Checking

We See You’re Checking Us Out

Explore our large selection of checking accounts packed full of benefits. In as little as five minutes, you can open an account online today.

Product Features & Benefits

All checking accounts include free access to online banking for easy bill pay, money transfers, eStatements, and much more. 

Choice Checking

We’re keeping it simple. Open a checking account that’s free of charge and perfect for all adults.

$25 minimum opening deposit  
No minimum balance required 
No monthly maintenance fees *
Personalized check orders are the customer's responsibility

Privilege 55 Checking

Getting older does have its privileges. We offer a hassle-free checking account for those ages 55+.    

Must be 55 years or older  
$100 minimum opening deposit 
No minimum balance required 
No monthly maintenance fees* 
Free checks and monthly statements

Perk Checking – Individual

Enjoy the benefits of a simple checking account but with an added perk – individual accidental death & dismemberment insurance policy.   

$100 minimum opening deposit 
No minimum balance required 
No charge for cashier’s checks or incoming wire transfers 
No charge for use of non DCB ATMs 
Low monthly account maintenance fee of $6
Personalized check orders are the customer's responsibility

Perk Checking – Joint

Reap the benefits of a joint checking account but with an added perk – joint accidental death & dismemberment insurance policy.   

$100 minimum opening deposit 
No minimum balance required 
No charge for cashier’s checks or incoming wire transfers 
No charge for use of non DCB ATMs 
Low monthly account maintenance fee of $7
Personalized check orders are the customer's responsibility

Perk Checking – Family

This checking account is designed for families of three or more and includes a family accidental death & dismemberment insurance policy.   

$100 minimum opening deposit 
No minimum balance required 
No charge for cashier’s checks or incoming wire transfers 
No charge for use of non DCB ATMs 
Low monthly account maintenance fee of $8
Personalized check orders are the customer's responsibility

Prestige Checking

Get a little extra help from your money. Earn interest when your minimum daily balance is $2,500 or over during a statement cycle.   

$1,000 minimum opening deposit 
Subject to a monthly maintenance fee of $15 plus .30 per debit if the average daily balance falls below $1,000 
No charge for use of non DCB ATMs
Personalized check orders are the customer's responsibility

Personal Money Market

Earn a higher rate of return without high risk.
$1000 minimum opening deposit
Interest paid when the minimum daily balance is $2,500 and over
$13 monthly maintenance fee if the average daily balance drops below $2,500
Money Market packet checks are issued free.
Free online, mobile, telephone banking

*Additional fees may apply. See additional fees and services.

Personal Money Market Rates

Products	Minimum to Obtain APY	Interest Rate	APY
$2,500 thru $49,999.99	$2,500.00	0.05%	0.05%
$50,000 thru $249,999.99	$50,000.00	0.05%	0.05%
$250,000 and greater	$250,000.00	0.05%	0.05%

Minimum opening deposit $1000. Annual percentage yields shown are compounding daily and fees may reduce earnings. A penalty may be imposed for early withdrawals, which could reduce the Annual Percentage Yield (APY). Rates effective October 1st, 2021. Rate subject to change without notice.

Prestige Checking Rates

Products	Minimum to Obtain APY	Interest Rate	APY
$2,500 and greater	$2,500.00	0.01%	0.01%

woman holding calculator with laptop on her lap

Don’t Forget to Save, too!

If budgeting or saving is something you’re worried about, we can help. The key to making a smart financial decision begins with understanding the benefits of each product and determining which one meets your goals.

Browse Savings Accounts