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Personal Banking
Personal Banking

Checking Accounts

You will find a checking account to meet your needs.  All accounts receive their initial debit card/ATM Card free.


  • Up to a $5 surcharge credit toward out-of-network ATM charges per statement cycle
  • $500 Minimum Average Daily Collected Balance to earn interest.
  • Bonus Interest Rate on balance up to $25,000 with:
     1 ACH Deposit per statement cycle
     15 POS Transactions per statement cycle

     (Check with bank for current APY)
  • Interest Compounded Monthly
  • $50 minimum to open account
  • Online Banking
  • 24/7 Telephone Banking
  • Finance Works
  • Bill Pay
  • Images Included
  • Optional: 
     $2.00 Charge per month to receive paper statements
    (Forfeit bonus interest)

      Apply Now


  • $50 minimum balance to open account
  • No Monthly Maintenance Fee
  • Unlimited Withdrawals-No Checks, ATM Card Only
  • Monthly statement.

Apply Now


  • $50 minimum balance to open account
  • No monthly maintenance fee
  • Unlimited check writing
  • Monthly statement with no check images
  • $1.00 per page for check copies

Apply Now


  • $50 minimum balance to open account
  • $500 minimum balance to earn interest
  • Variable Rate
  • $5 Monthly Maintenance Fee if average daily balance drops below $500
  • Unlimited check writing
  • Monthly statement with images included
       Apply Now


  • $50 minimum balance to open account
  • $500 minimum balance to earn interest
  • First box of checks free, then a 10% discount
  • Variable Rate
  • No Monthly Maintenance Fee
  • Unlimited Check Writing
  • Monthly statement with images included

Apply Now


A Health Savings Account (HSA) is a tax-sheltered account into which you can put money to save for future medical expenses. There are certain advantages to putting money into these accounts, including tax-free contributions, earnings and qualified withdrawals. You must have a qualifying high deductible health care plan (HDHCP) to qualify for this account.

  • $50 Minimum balance to open account
  • $50 Minimum balance to earn interest
  • See HSA Department for details on fees
  • Tiered Variable interest rated
  • Monthly statement with images included
  • Unlimited check writing and debit card use
  • For more information contact us at 620-327-4941.


You may open a line of credit attached to your checking account. Simply write a check or use your debit card. If the amount is larger than the balance in your account, funds will be automatically deposited in $100 increments up to your agreed line of credit. Lines of credit can start at $100 up to $5,000. Line of credit amount is based on loan approval by an officer. Repayment happens automatically through monthly payments from your checking account. In addition, you can also choose to pay off the line of credit at any time.  A per advance fee applies.

Apply Now

Geographic Qualifications




Equal Housing Lender Member FDIC
Funds Availability  |  Patriot Act  |  Privacy Notice  |  Reg E
            e-Banking Agreement