banking with peace of mind

select the right account for you and then sign up online

Effective Date: 5/18/2020

Personal Checking

simple and easy to get started

• minimal opening balance
• electronic or mailed statements
• unlimited check writing
• unlimited ATM use

Apply Now


Electronic Checking

our most progressive account

• No monthly maintenance fees
• minimal open balance
• no minimum balance
• online statements
• electronic or mailed statements

Apply Now


Silver Checking

Our most rewarding account

• Your money earns interest
• minimal open balance
• electronic or mailed statements

Apply Now


Copper Checking

built for seniors over 50

• No monthly maintenance fees
• minimal open balance
• no minimum balance
• Especially for those 50 years and older
• electronic or mailed statements

Apply Now


checking comparison

Electronic

Personal

Silver

Copper

Opening Deposit $50 $50 $100 $100
Age Requirements N/A N/A N/A 50+
Minimum Balance $0 $500 $500 $0
Direct Deposit Required N/A N/A N/A Yes
Interest* No No Yes No
Monthly Service Charge $0 $6

if average daily balance falls below
minimum
$6

if average daily balance falls below
minimum
$0

if average daily balance falls below
minimum
Check Writing Unlimited Unlimited Unlimited Unlimited
Statement Online Mailed Online or Mailed Online or Mailed
Debit Card Free Free Free Free
Online Banking Free Free Free Free
Telephone Banking Free Free Free Free
Sweep Protection $3 $3 $3 $3

Apply Now

Apply Now

Apply Now

Apply Now

Reorder Checks

*The information above is accurate as of the effective date. Interest Rates may change after an account is opened and these rates will be posted as of their effective date. Maintenance and / or activity fees may reduce earnings. APY = Annual Percentage Yield The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal of interest or any withdrawal may reduce earnings and a penalty may be applied on some accounts for early withdrawals. A minimum balance is required on all checking accounts (except electronic and copper accounts), savings (except Santa Savers), all CD, IRA and money market accounts. Interest Rates subject to change daily.

Contact a FirstOak Staff member for specific account information.