Checking your balance before you write a check or use your debit card is easier than ever using our free telephone, online and mobile banking services.  Either call Service Call at 1-866-224-7314, check your accounts using personal eBanking, or check in on-the-go with your smartphone using Mobile Banking or our mobile website.

The best way to keep track of your checking account is to balance your check register each month to your monthly statement.  Any discrepancies should be taken care of immediately… but if you have done a good job keeping track of your money there will never be a discrepancy.  Remember to record your ATM withdrawals and your automatic payments.  It is very important to remember that a checkcard acts like an electronic check, and funds are automatically deducted from your account.

Sometimes, though, you get busy, and mistakes can happen, and your account can become overdrawn.  For those times, the Bank offers the following services:

  • There are two options for Overdraft Protection.  If your checking account is overdrawn, for a nominal per-transfer fee funds can be drawn from either a savings account or a line of credit to cover the overdraw.
  • Payment Privilege is a discretionary courtesy that is added to checking accounts that meet certain qualifications. This automatic service covers overdraws up to $400, should you overdraw your account by writing a check, withdrawing at the ATM or using your checkcard for point of sale purchases.  Charges will still be assessed, however, your items will still be paid.

Ask your neighborhood banker for more information about any of these services.