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Personal Banking

A man paying bills

Select a product below:


E-Checking Account


E-Checking Account is ideal for everyone.
With the "E-Checking Account" you will receive...

Features:

  • Person to Person Payments via Internet Banking
  • No minimum balance requirements
  • Unlimited check writing privileges
  • Access 24 (24-Hour phone access to your account information)
  • Imaged checks provided with monthly detailed statement
  • MasterCard® or Visa® credit card services. A separate qualified application is required.
  • MasterMoney Debit Card
  • Internet Banking
  • Internet Bill Pay Service
  • e-Statements
  • Mobile Banking

All for a $9.00 monthly service charge fee.  The monthly service charge fee can be reduced by the following:

  • Setup a monthly recurring direct deposit and receive a maximum $1.00 credit to your monthly service charge fee.
  • Sign up for monthly E-Statements and receive a $3.00 deposit credit.
  • Initiate 10 or more electronic debits per month and receive a $5.00 service charge credit.  The service charge credit applied against the service charge fee will be received when 10 or more electronic debits post to and settle the account during the monthly statement cycle period.  Electronic debits refer to electronic items such as ACH withdrawals, debit card transactions, ATM withdrawals, and electronic transfers between accounts.  Transactions may take one or more banking days from the date the transaction was made to post and settle your account.

A $5.00 minimum deposit required to open account.  Apply Online Now

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Now Personal Account 


NOW Personal Account allows interest to be paid to you on your funds.
With a "NOW Personal Account" you will receive...

Features:

  • A competitive interest rate on your average daily balance of $1,000.00 or greater. Interest is compounded and credited monthly,
  • Access 24 (24-Hour phone access to your account information)
  • MasterCard® or Visa® credit card services. A separate qualified application is required.
  • MasterMoney Debit Card
  • Imaged checks provided with monthly detailed statement
  • Internet Banking
  • Internet Bill Pay Service
  • e-Statements
  • Mobile Banking

An $8.00 monthly service charge fee will be assessed every month if the average daily balance falls below $1,000.00.  A service charge fee of 20 cents per item will be charged on each item in excess of 50 per statement cycle.
A $1,000.00 minimum deposit required to open account.

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IDeal Checking Account

The Ultimate Account is an exclusive checking account designed for our valued customers.
With the "The Ultimate Account" you will receive...

  • No minimum balance required to be maintained
  • Imaged checks provided with detailed monthly statement  
  • Access 24 (24-Hour phone access to your account information)
  • Unlimited checking writing privileges
  • MasterCard® or Visa® credit card services. A separate qualified application is required.
  • MasterMoney Debit Card
  • Up to $10,000 Accidental Death and Dismemberment Insurance*
  • Up to $10,000 Identity Fraud Expense Reimursement Coverage**
  • Internet Banking
  • Internet Bill Pay Service
  • e-Statements
  • Mobile Banking
  • Gas and Gift Card Discounts
  • Credit File Monitoring

Monthly service charge for this account will be:

  • If the monthly minimum daily balance is $500.00 and above - $9.00 per month.
  • If the monthly minimum daily balance is $499.99 and below - $10.00 per month.

While these new account services add value, we've made it easy to reduce the monthly service charge.

  • Sign up for monthly E-Statements and receive a $3.00 deposit credit. 
  • Receive a maximum $1.00 service charge credit for having a monthly recurring direct deposit.

* Plateau Insurance Company of Crossville, TN. is our Accidental Death and Dismemberment Insurance underwriter.

**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis, Inc.

Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.


A $200.00 minimum deposit required to open account.  Apply Online Now

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Treasury Index Account


Treasury Index Account is the perfect reward for your high balance checking account. You will earn a competitive rate of interest tied to the 30 day Treasury Bill Asked Rate.

With a "Treasury Index Account" you will receive...

  • A competitive interest rate based on your average daily balance
  • Interest will be paid and compounded monthly. The interest and annual percentage yield will depend upon the average daily balance in the account using the following tiers:
    • Up to $9,999.99
    • $10,000 - $49,999.99
    • $50,000 - $99,999.99
    • $100,000 - $249,999.99
    • $250,000 and up
  • Unlimited check writing privileges
  • Access 24 (24-Hour phone access to your account information)
  • MasterMoney Debit Card
  • MasterCard® or Visa® credit card services. A separate qualified application is required.
  • Imaged checks provided with detailed monthly statement
  • Internet Banking
  • Internet Bill Pay Service
  • e-Statements
  • Mobile Banking

A $20.00 service charge fee will be charged every month if the average daily balance falls below $5,000.00.

A $5,000.00 minimum deposit required to open account.

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Treasury Investment Money Market Account


Treasury Investment Money Market Account is the perfect reward for your high balance checking account. You will earn a competitive rate of interest tied to the 30 day Treasury Bill Asked Rate.

With a "Treasury Index Money Market Account" you will receive...

  • A competitive interest rate based on your average daily balance
  • Interest will be paid and compounded monthly. The interest and annual percentage yield will depend upon the average daily balance in the account using the following tiers:
    • Up to $499,999.99
    • $500,000 and up
  • Transaction Limitations: No more than 6 debits/withdrawals/transfers unless made through ATM's, in-person, by mail or messenger  
  • Access 24 (24-Hour phone access to your account information)
  • MasterMoney Debit Card
  • MasterCard® or Visa® credit card services. A separate qualified application is required.
  • Imaged checks provided with detailed monthly statement
  • Internet Banking
  • Internet Bill Pay Service
  • e-Statements
  • Mobile Banking

A $500,000.00 minimum deposit required to open account.

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Health Savings Account


A Health Savings Account is the answer for your High Deductible Health Plan.

With a "Health Savings Account" you will receive...

  • A competitive interest rate and annual percentage yield can be earned when you maintain a $600.00 minimum average daily balance.
  • Access 24 (24-Hour phone access to your account information)
  • Internet Banking
  • Internet Bill Pay Service
  • MasterMoney Debit Card
  • Deposits and withdrawals are limited to those set forth by IRS guidelines.
  • e-Statements 
  • Mobile Banking

Should your balance drop below $100.00, a $10.00 monthly service charge fee will be assessed.

A $100.00 minimum deposit required to open account.

Not everyone qualifies. See your tax representative and insurance provider to see if you qualify for an HSA.

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