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Personal Checking
Everyday banking made easy. Choose from a range of checking options designed to fit how you manage your money.
Free Checking
A no-fee checking option for everyday spending.
Regular Checking
A traditional checking account with simple balance requirements.
Estate Account
A dedicated account for managing estate funds.
Health Savings Account
Save for medical expenses with flexible access.
Sher-Advantage Checking
Everything you need for daily personal banking — without unnecessary extras.
Contact Us
Reach out to us with questions or support needs.
Checking Account Comparison
Type of Account
Min. Opening Deposit
Min. Balance
Earns Interest?
Account Perks
Monthly Service Fee
Free Checking
$25.00
None
No
No minimum balance, unlimited check writing, Master Card Debit Card, ODP
None
Regular Checking
$100.00
$250.00
No
Master Card Debit Card, $0.20 per check charge in excess of 10 if minimum balance is not maintained, ODP
$4.50
Estate Account
Can be opened using any of the above accounts
No Debit Card
Sher-Advantage Checking
$500
$1,000
No
Unlimited transactions, no paper statement fee, ACH/direct deposit supported, check images available ($5 per statement)
$10 (waived with $1,000 daily balance or ACH/direct deposit)
Health Savings
$25.00
None
Variable
Variable interest rate compounded monthly, Master Card Debit Card, Detailed Monthly Statement, Authorized signer allowed
None
Free Checking
A straightforward account without monthly fees or balance requirements. Enjoy unlimited check writing and a no-cost debit card for everyday use.
Features
- MasterCard® Debit Card available at no cost (click here for details).
- Unlimited check writing.
- Minimum balance to open the account is $25.00.
- There is no minimum balance requirement or monthly service charge for this account.
Regular Checking
A classic checking option with a monthly statement and a no-cost debit card. Maintain the minimum daily balance to avoid fees while keeping everyday banking simple.
Features
- Detailed Monthly Statement
- MasterCard® Debit Card is available at no cost (click here for details).
- No fee will be imposed if a minimum daily balance of $250.00 is maintained.
- If minimum balance is not maintained, a $4.50 monthly service fee will apply.
- A minimum opening balance of $100.00 is required.
- A per check charge of $0.20 will be charged for each check in excess of 10 during a statement cycle.
Estate Account
An account created to manage an estate’s finances with structure and clarity. Ideal for handling deposits, payments, and distributions throughout the settlement process.
Features
- Contact us or stop in for more details.
Health Savings Account
A flexible way to set aside money for qualified medical expenses. With no minimum balance, no monthly fees, and interest paid monthly, an HSA helps you save at your own pace.
Features
- No minimum balance to open this account.
- No monthly maintenance fees.
- No minimum balance requirements.
- Interest paid monthly.
- Detailed monthly statement.
- MasterCard® Debit Card available at no cost.
Sher-Advantage Checking
Sher-Advantage Checking is built for everyday banking with straightforward terms and practical features. Open with $500, enjoy unlimited transactions and check clearing, and avoid paper statement fees. A $10 monthly service fee applies, but it can be waived with a $1,000 minimum daily balance or ACH/direct deposit activity (and it’s waived for the first 3 months after opening).
Features
- Open your account with just $500
- Avoid the $10 monthly service fee with qualifying balance or ACH/direct deposit
- No limit on checks clearing the account
- No paper statement fee
- Ideal for everyday spending and direct deposit customers
- $10 monthly service fee applies unless you maintain one of the following:
- $1,000 minimum daily balance during the statement cycle
- ACH/direct deposit activity
- Fee waived for first 3 months after opening
- Unlimited transactions
- Check images available for $5 per statement
- Non-interest bearing account
- $25 early account closure fee if closed within 180 days
- Statement cycle ends the 15th of each month
Community Focused,
Customer Driven
