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Personal Checking

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Setting up a checking account is the first step towards payment convenience. Link it to a debit card and your savings account for overdraft protection and you’re ready for a convenient and seamless banking experience.

Consumer Checking Account Comparison

myEmergemySummit


Description

myEmerge


A paperless account for those who love to manage their money digitally.

mySummit


An tiered interest checking account for all ages.


Interest

myEmerge


none

mySummit


Tiered interest rates
Tier 1: $500-$24,999.99**
Tier 2: $25,000+
Calculated on average daily balance; compounded & paid monthly. Inquire for rate.


Checks

myEmerge


price varies

mySummit


Price varies (see perks below)


Paper Statement Fee

myEmerge


yes


$5*

mySummit


yes


$5***


Digital Banking + Mobile Deposit

myEmerge


yes

mySummit


yes


Bill Pay + P2P

myEmerge


yes

mySummit


yes


Minimum Opening Deposit

myEmerge


$100

mySummit


$100


Debit Card + Card Fraud Monitoring

myEmerge


yes

mySummit


yes


Extra Perks

myEmerge


Discounted Provent® ID Theft
ATM Fee Reversals of $10/month (excludes international w/ds)

mySummit


All customers:
ATM Fee Reversals of $10/month (excludes international w/ds)
Perks for customers 50+ or with $25,000+ average daily balance
Free single checks (includes shipping)
Free paper statement
Discount on group trips
Discounted Provent® ID Theft
Fee-free money orders and cashier's checks
Free movie matinee @ Perham Comet Theater (3rd Monday of the month)

Details
* Waived with e-statements.
**If balance falls below Tier 1, no interest is accrued.
***Waived for customers 50+, with e-statements, with 20+ debit card transactions per statement cycle (excludes ATM withdrawals), OR with a $25,000+ average balance.

All Checking Accounts Include

Prevent Embarrassment with Overdraft Protection

Avoid overdrafts and have an extra source of cash with a Checking Plus Credit Line attached to your checking account.
Learn more about Checking Plus