Deposit Products

Free Personal Checking

There are no monthly maintenance or transaction fees. Images of all checks and deposits are returned to you in a monthly statement of your account.

  • You must deposit $100 to open this account
  • No minimum balance
  • Unlimited check writing
  • No monthly maintenance fees
  • ATM/Debit Card upon approval
  • On-line Banking
  • On-line Bill Pay $4.95/month for unlimited transactions

If the account is overdrawn, interest will be assessed against the overdrawn balance as follows: Prime Rate as published in the Money Rates section of the Wall Street Journal, plus an additional four percent (4%). The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Interest Checking

This account provides the traditional checking account features, along with competitive market interest rates paid on a tiered balance basis. This simply means that the more money you keep in your account, the higher your interest rate. There are no monthly maintenance or transaction fees as long as the account meets the balance requirements. Images of all checks and deposits are returned to you in a monthly statement of your account.

  • You must deposit $1,000 to open this account
  • Minimum daily balance requirement of $1,000 or $2,500 average daily ledger balance
  • $7.50 monthly maintenance fees if daily balance falls below minimum balance requiremen
  • Check fee of $.25 each over 10 (if balance falls below minimum balance requirement)
  • ATM/Debit Card upon approval
  • On-line Banking
  • On-line Bill Pay $4.95/month for unlimited transactions
  • Tiered Rates

Rate Information

The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information -

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees -

There are no monthly maintenance or transaction fees if the account maintains either a $1,000 minimum daily ledger balance, or a $2,500 average daily ledger balance. If the account balance falls below the balance requirements, the monthly maintenance fee is $7.50 and each additional check or other debit over the first ten (10) is $.25/each. If the account is overdrawn, interest will be assessed against the overdrawn balance as follows: Prime Rate as published in the Money Rates section of the Wall Street Journal, plus an additional four percent (4%). The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Money Market Checking

This account provides the features of both an Interest Checking account and a Certificate of Deposit, by providing both check writing ability and higher interest rates. Competitive market interest rates are paid on a tiered balance basis. This simply means that the more money you keep in your account the higher your rate of interest. There is no monthly maintenance fee as long as the account meets the balance requirements. Images of all checks and deposits are returned to you in a monthly statement of your account.

  • You must deposit $2,500 to open this account
  • Minimum balance requirement of $2,50
  • 6 Transfers a month
  • Monthly maintenance fee of $10.00 if daily balance falls below $2,50
  • ATM/Debit card upon approval
  • On-Line Banking
  • Bill Pay $4.95/month unlimited transactions
  • Tiered Rates

Rate Information

The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information -

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees -

There are no monthly maintenance or transaction fees if the account maintains a $2,500 minimum daily ledger balance. If the account balance falls below the balance requirements, the monthly maintenance fee is $10.00.

Transactions -

You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction.  Transfers and withdrawals made in person by messenger, by mail or at an ATM are unlimited. If the account is overdrawn, interest will be assessed against the overdrawn balance as follows: Prime Rate as published in the Money Rates section of the Wall Street Journal, plus an additional four percent (4%). The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Business Checking

This account provides the traditional checking account features. There are no monthly maintenance or transaction fees as long as the account meets the balance requirements. Images of all checks and deposits are returned to you in a monthly statement of your account.

  • You must deposit $100 to open this account
  • Minimum daily balance requirement of $500 or $2,500 average daily ledger balance
  • $5.00 monthly maintenance fee if daily balance falls below minimum balance requirement
  • Check fee of $.10 each over 25 (if balance falls below minimum balance requirement)
  • ATM/Debit Card upon approval
  • On-line Banking
  • On-line Bill Pay $4.95/month for unlimited transactions

Account Fees

There are no monthly maintenance or transaction fees if the account maintains either a $500 minimum daily ledger balance, or a $2,500 average daily ledger balance. If the account balance falls below the balance requirements, the monthly maintenance fee is $5.00 and each additional check or other debit over the first 25 is $.10/each. If the account is overdrawn, interest will be assessed against the overdrawn balance as follows: Prime Rate as published in the Money Rates section of the Wall Street Journal, plus an additional four percent (4%). The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Current Oklahoma Locations: Hydro 405-663-2214 | Weatherford 580-774-1300 | Eakly 405-797-3686