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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.


Minimum Average Daily Balance to Obtain APY

myEmerge


none

mySummit


none


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