Instead of FEES...we give you FREE....That's right. Use any ATM, anywhere in the continental U.S., anytime with no fess. In fact, we'll event reimburse you if you're charged an ATM fee from any other bank. How's that for refreshing?

Personal Banking

Deposit Products | totalACCESS Checking

Set up a monthly direct deposit, make and have post to your account at least 10 debit card purchases of $5 or more, and receive your statement electronically each month and you will earn 2.12% APY * up to $25,000 for the month. Plus, use any ATM nationwide and we will waive any foreign fees you may incur.

Minimum Opening Deposit $100
Minimum Balance Required $1,000
Monthly Service Charge $12 if below minimum balance
Pays Interest Paid Monthly Interest Tiers:
$0 to $25,000
Above $25,000
Monthly Qualifiers to earn the  high interest rate Direct Deposit
Minimum of 10 debit card purchases of $5 or more        Receive Monthly E-Statements
Unlimited Check Writing Yes
Online Access and Bill Pay FREE
Account to Account Transfer $2.00
POP Money $0.50
Debit Card FREE
Electronic Statement FREE

*The high interest rate is paid on balances up to $25,000 as long as account qualifiers are met. If account qualifiers are not met, the account is paid an APY (Annual Percentage Yield) of .10% up to $25,000. All balances over $25,000 are paid interest at the Bank's then in effect published rate. Rates are subject to change at Bank's discretion at any time without notice. Fees may reduce earnings. Minimum opening deposit is $100.00. Limit of one account per customer.