Personal Checking Accounts

Personal Banking

Find an account that fits your banking needs.

Interest-Bearing Checking
Regular Checking
Senior Checking

Interest-Bearing Checking Accounts

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	Ultima	Personal NOW	Thrifty Checking Plus
Great If You Want...¹	A premiere transaction account with interest-bearing features.	A flexible transaction account with interest-bearing features.	A simple transaction account with the ability to earn interest.
Account Type²	Negotiable order of withdrawal⁴	Negotiable order of withdrawal⁴	Negotiable order of withdrawal⁴
Ownership	Consumer	Consumer	Consumer
Minimum Opening Deposit	$100.00	$100.00	$100.00
Interest³	Tiered interest: higher balances earn higher rates. Ask us for details on each tier.	Tiered interest: higher balances earn higher rates. Ask us for details on each tier.	Earn interest on daily balances of $1,000.00 or more.
Online Banking	No additional charge	No additional charge	No additional charge
Debit Card	Available subject to credit approval	Available subject to credit approval	Available subject to credit approval
Monthly Maintenance Fee	$12.00 per monthly cycle, waived for any monthly cycle during which you maintain either a minimum daily balance of $1,500.00 or an average available balance of at least $3,000.00.	$8.00 per monthly cycle, waived for any monthly cycle during which you maintain either a minimum daily balance of $1,000.00 or an average available balance of at least $1,500.00.	$3.00 per monthly cycle, waived for any monthly cycle during which you maintain an average available balance of at least $1,000.00.
Excess Item Fee	None	$0.30 for each debit transaction over 20 debit items per monthly cycle. This fee is waived for any monthly cycle during which you maintain an average available balance of at least $1,500.00.	$0.30 for each debit transaction over 10 debit items per monthly cycle.
Special Features	Two free boxes of standard checks per calendar year. 8" safe deposit box at no charge for first year. Optional benefits program. Ask us for details.
Additional Terms			Periodic statements do not contain copies of returned items.

Important Information

Account Terms. The information provided on this page provides basic information on our accounts for comparison purposes only. Accounts and services offered by us are governed by our standard Account Agreement, including our Fee Schedule as amended from time to time. Please read the agreement carefully before using a product or service. If you have any questions regarding a product or service, call us at 1-620-227-8586.
Member FDIC. Your deposits are insured to at least $250,000. Estimate your coverage using FDIC's EDIE - The Estimator.
Interest-Bearing Accounts. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
Notice of Withdrawal. We reserve the right to require no less than 7 days' written notice of each withdrawal. Federal law requires us to reserve this right.

Opening an Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Regular Checking Accounts

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	Regular Checking	Value Checking	Thrifty Checking
Great If You Want...¹	A flexible transaction account with low minimum balance requirements.	A flexible transaction account and you are under 30 years of age.	A simple transaction account.
Account Type²	Demand deposit	Demand deposit	Demand deposit
Ownership	Consumer	Consumer under 30 years of age	Consumer
Minimum Opening Deposit	$100.00	$100.00	$100.00
Online Banking	No additional charge	No additional charge	No additional charge
Debit Card	Available subject to credit approval	Available subject to credit approval	Available subject to credit approval
Monthly Maintenance Fee	$6.00 per monthly cycle, waived for any monthly cycle during which you maintain either a minimum daily balance of $500.00 or an average available balance of at least $1,000.00.	No monthly maintenance fee	$3.00 per monthly cycle
Excess Item Fee	$0.30 for each debit transaction over 20 debit items per monthly cycle. This fee is waived for any monthly cycle during which you maintain either a minimum daily balance of $500.00 or an average available balance of at least $1,000.00.	No excess item fee	$0.30 for each debit transaction over 10 debit items per monthly cycle.
Additional Terms		When an owner reaches 30 years of age, the account will convert to a Thrifty Checking Plus account and be subject to the terms and conditions of such account. Periodic statements do not contain copies of returned items.	Periodic statements do not contain copies of returned items.

Important Information

Account Terms. The information provided on this page provides basic information on our accounts for comparison purposes only. Accounts and services offered by us are governed by our standard Account Agreement, including our Fee Schedule as amended from time to time. Please read the agreement carefully before using a product or service. If you have any questions regarding a product or service, call us at 1-620-227-8586.
Member FDIC. Your deposits are insured to at least $250,000. Estimate your coverage using FDIC's EDIE - The Estimator.

Opening an Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Senior Checking Accounts

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	Heritage Gold	Heritage	Senior Checking
Great If You Want...¹	A premiere transaction account for consumers of at least 55 years of age.	A full-featured transaction account for consumers of at least 55 years of age.	A straight-forward transaction account for consumers of at least 62 years of age.
Account Type²	Demand deposit	Demand deposit	Demand deposit
Ownership	Consumer 55 years of age or older	Consumer 55 years of age or older	Consumer 62 years of age or older
Minimum Opening Deposit	$100.00	$100.00	$100.00
Online Banking	No additional charge	No additional charge	No additional charge
Debit Card	Available subject to credit approval	Available subject to credit approval	Available subject to credit approval
Monthly Maintenance Fee	$4.00 per monthly cycle	$6.00 per monthly cycle, waived for any monthly cycle during which you maintain either a minimum daily balance of $100.00 or an average available balance of at least $1,000.00.	No monthly maintenance fee
Excess Item Fee	No excess item fee	$0.30 for each debit transaction over 20 debit items per monthly cycle. This fee is waived for any monthly cycle during which you maintain an average available balance of at least $1,000.00.	No excess item fee
Special Features	Two free boxes of standard checks per calendar year. Optional benefits program. Ask us for details.	Optional benefits program. Ask us for details.

Important Information

Account Terms. The information provided on this page provides basic information on our accounts for comparison purposes only. Accounts and services offered by us are governed by our standard Account Agreement, including our Fee Schedule as amended from time to time. Please read the agreement carefully before using a product or service. If you have any questions regarding a product or service, call us at 1-620-227-8586.
Member FDIC. Your deposits are insured to at least $250,000. Estimate your coverage using FDIC's EDIE - The Estimator.

Opening an Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.