Checking Accounts

Generations Student Banking

For students ages 13–24 looking to build their financial foundation. Enjoy free Online and Mobile Banking, Bill Pay, and Zelle®. This account does not include check‑writing or overdraft privileges. Minors under 18 require a guardian co‑signer.*

  • Minimum to Open: $25
  • Monthly Maintenance Fee: $0
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Generations First

Our everyday checking account designed for simplicity. Get all the essentials—Online and Mobile Banking, Bill Pay, and Zelle®—without monthly fees.*

  • Minimum to Open: $25
  • Monthly Maintenance Fee:—$5 (Waived with an average monthly balance of $100)
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Generations Next

  • Enjoy interest‑earning checking with convenient digital banking features and overdraft protection options. Includes Online and Mobile Banking, Bill Pay, and Zelle®.*
    Minimum to Open: $100
    Monthly Maintenance Fee: $10 (waived with a monthly direct deposit of $500 or more.)
    Earns Interest: Yes – Competitive APY

Generations Empowerment

Earn competitive interest rates, receive your first box of checks free, and enjoy complimentary access to a money market account. Includes Online and Mobile Banking, Bill Pay, Zelle®.*

  • Minimum to Open: $100
  • Monthly Maintenance Fee: $15 (waived with $15,000 average daily balance.)
  • Earns Interest: Yes – Competitive APY

Generations Heritage Plus

Honoring our senior community (age 55+). Enjoy free standard checks, Online Banking, Mobile Banking, and Zelle®.*

  • Minimum to Open: $25
  • Monthly Maintenance Fee: $0
  • Earns Interest: Yes – Competitive APY

*All consumer deposit accounts are FDIC insured up to the maximum amount allowed by law. APY = Annual Percentage Yield. All rates and APYs are accurate as of the date of account opening and are subject to change without notice. Fees may reduce earnings on interest bearing accounts. Minimum balance requirements and other conditions may apply to earn advertised APY and avoid monthly maintenance fees. Please refer to the Truth in Savings disclosure and account agreement provided at account opening for complete terms, conditions, and fee schedules.

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