Checking Accounts

Regular Checking Account

Our regular checking is a non-interest bearing account that requires no minimum to open.  There is a $5.00 service charge if the daily balance drops below $500.00.  (This fee is waived for children and students while they are still in school.)  There is no limit to the number of checks that may be written on a regular checking account.


Free Checking

Want an account with no monthly Service Charge?  Then Free Checking is for you!  There is no Minimum Balance for this account.  Online Banking is required with this account as all statements are Electronic.


NOW Account

Our NOW checking account is an interest bearing account.  It requires $2000 to open and interest will be credited and compounded monthly on the daily balance for the exact number of days each month.   If the daily balance falls below $2000 no interest will be paid and a $20 service charge will apply.    There is no restriction on the amount of checks that can be written during the month. NOW Accounts are not available for business customers.


Personal checks and debit cards are available on all accounts for an additional charge.

For additional information and current interest rates, call one of our friendly account representatives at 580-995-4231.



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. 

What this means for you:  When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.