Personal Checking

No checking account should ever tie you down.

From day one, we work personally with clients to make sure they have accounts that fit their check-writing preferences, frequencies, and balance levels. Our advisors are also available to guide you toward the options that work best for you.

All offerings include 24-hour secure, OnLine Banking access.

Prestige Checking Maximize your banking relationship with our premium interest-bearing account with other service benefits, including unlimited check writing, free checks, and no-fee traveler’s checks.

Value Plus Checking A checking account that allows for competitive interest rates with a moderate monthly balance.

Value Checking A basic checking account that allows for a modest monthly balance and ease of access to funds.

Special Features:

Most personal accounts include free services such as Direct Deposit, Check Imaging, OnLine Banking, Personal BillPay, and MasterMoney™ Debit Card.

OnLine Banking Unlimited access to all your account information 24 hours a day using our secure website.

Personal BillPay Skip writing and mailing checks each month and enjoy the convenience of paying bills online. Control your finances by scheduling payments and managing all your bills, hassle-free.

MasterMoney™ Debit Card

Looks like a credit card, but acts like a check. Access your account information through virtually any ATM. Our unique ATM fee reimbursement program offers up to $15 per month.

Have a new Debit Card? It's simple to activate it. Learn how.

To report a lost or stolen Debit Card, call 231.487.1765 (Petoskey) or 231.922.2101 (Traverse City).

After business hours please call 800.554.8969.

For more information about our Card Guardian Program, visit our Frequently Asked Questions flyer.

FDIC insurance coverage up to the legal limit.

Sign up for e-Statements

Enroll in Online Banking