*Personal Checking Disclaimer: Minimum opening deposit is $25. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, continuous overdraft fees, etc. may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at time of account opening. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Free checks are specialty lemon style only. Ask us about our outstanding options for your business or organization. All nationwide ATM fees will be refunded up to a maximum of $10 per statement cycle.