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Personal Checking

Choose from four tailored checking account options and manage your money with ease – at your neighborhood branch, from home, or on the go.

Personal Checking

Choose from four tailored checking account options and manage your money with ease – at your neighborhood branch, from home, or on the go.

Explore Your Options

Free
Checking

Regular
Checking

Interest
Checking

Relationship
Checking

Earns interest
Minimum balance to avoid fees

$0

$500

$1,000

$2,000 in Checking, $5,000 in Savings, or $10,000 in total deposits (including CDs and IRAs)

Monthly maintenance charge if balance falls below minimum1

$0

$6 if check images are returned

$9 if check images are not returned or $11 if check images are returned

$9 if check images are not returned or $11 if check images are returned

Per-check charge

$0

$0.20 per check image if balance falls below minimum

$0.20 per check image if balance falls below minimum

$0

Minimum opening balance

$50

$50

$50

$50

Other benefits

eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options

eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options

eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options

Free money orders and cashier checks, free Minster Bank checks if age 50 or over, eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options

Earns interest
Minimum balance to avoid fees

$0

Monthly maintenance charge if balance falls below minimum1

$0

Per-check charge

$0

Minimum opening balance

$50

Other benefits

eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options

Earns interest
Minimum balance to avoid fees

$500

Monthly maintenance charge if balance falls below minimum1

$6 if check images are returned

Per-check charge

$0.20 per check image if balance falls below minimum

Minimum opening balance

$50

Other benefits

eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options

Earns interest
Minimum balance to avoid fees

$1,000

Monthly maintenance charge if balance falls below minimum1

$9 if check images are not returned or $11 if check images are returned

Per-check charge

$0.20 per check image if balance falls below minimum

Minimum opening balance

$50

Other benefits

eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options

Earns interest
Minimum balance to avoid fees

$2,000 in Checking, $5,000 in Savings, or $10,000 in total deposits (including CDs and IRAs)

Monthly maintenance charge if balance falls below minimum1

$9 if check images are not returned or $11 if check images are returned

Per-check charge

$0

Minimum opening balance

$50

Other benefits

Free money orders and cashier checks, free Minster Bank checks if age 50 or over, eStatements, Visa® debit card with access to 35,000+ surcharge-free ATMs, mobile and online banking with bill pay and mobile deposit, overdraft protection options

Digital Tools

24/7 access to your accounts couldn’t be easier. With free online and mobile banking, you can:

  • View balances and transfer funds
  • Pay bills and set up recurring payments
  • Deposit checks with your phone’s camera
  • Securely send and receive money with Zelle®
  • Manage card controls, custom alerts, and more
  • Stay on top of your credit for free with Credit Sense
Learn More
Digital Tools

Debit Cards

It looks like a credit card – but it works like a check.
Your free Visa® debit card lets you:

  • Shop in-store and online, anywhere Visa® is accepted
  • Use the mobile wallet of your choice
  • Access 35,000+ surcharge-free ATMs nationwide
  • Set custom controls and alerts
  • Track your spending with detailed insights
Get Started
Debit Cards

Automated Payments

Take care of loan payments and household bills with
automated payments from your checking account:

  • Avoid late fees and missed payments
  • Build a strong credit profile
  • Reduce check writing and trips to the bank
  • Streamline your recordkeeping
Get Started
Automated Payments

Overdraft Protection

We’re human. Mistakes happen. You shouldn’t have to worry about returned checks and hefty fees.

With Overdraft Protection,2 funds are automatically transferred from your savings account when needed.

With ODP (Overdraft Privilege),3 overdraws are covered up to a preapproved limit – no savings account required.

Get Started
Overdraft Protection

More Solutions

SAVINGS

Achieve Your Goals Sooner

Five account options – plus one powerful app to manage it all.

Certificates of Deposit

Build a Better Tomorrow

Protect your hard-earned savings and enjoy guaranteed earnings.

CREDIT CARDS

Start Spending Smarter

Get convenient and flexible spending power, packed with perks.

We’re Here to Help

Our friendly local team is just a phone call or secure message away.

Get in Touch

Disclosures

1. Additional charges may apply.

2. A small fee will be charged for each transfer from savings. Transfers are made in $100.00 increments.

3. This is a discretionary overdraft service. The Bank is not obligated to pay any overdrafts. Eligible accounts are automatically enrolled. Limit is based on type of account. Per-item overdraft fee will apply.

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