Home > Personal Banking > Deposits > Checking Accounts Checking Accounts Personal Checking Account   Low minimum account balance of $100*   Non interest bearing   Cash reserve (credit line) eligibility, subject to credit approval   Unlimited FDIC insurance coverage.**     * A monthly service charge of $10 and an activity charge of $0.20 per transaction apply if the average daily balance is below $100.   ** PLEASE SEE NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS   Free Checking with Direct Deposit   Direct deposit saves you time and money. You can enjoy the security and convenience of having recurring payroll or government checks deposited directly into your checking account. Upon signing up, you will receive:         Immediate availability of funds upon direct deposit into the account   No minimum balance requirement, monthly service charge, or activity fees - a completely free checking account with no hidden charges   Unlimited check writing   Non interest bearing   Cash reserve (credit line) eligibility, subject to credit approval   Unlimited FDIC insurance coverage.**       ** PLEASE SEE NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS   Basic Checking Account   A low fee of just $25 to open an account, with a monthly service change of $3, provided that the account holder does not maintain any other transaction accounts at the Bank   No minimum balance requirement   No bank charges up to 8 withdrawal transactions, including checks and debits*   Unlimited deposits   Non interest bearing   Cash reserve (credit line) eligibility, subject to credit approval   Unlimited FDIC insurance coverage.**       * An activity charge of $0.20 per withdrawal transaction applies starting from the 9th check or debit transaction   ** PLEASE SEE NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS