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.
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 March 31st, 2022. 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% |
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 March 31st, 2022. Rate subject to change without notice.

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.
Manage My Money
We can help you better understand your finances and how to manage your money with these great resources.