• $100 initial opening deposit with $0 minimum balance requirement thereafter.
  • $0 monthly service charge fee
  • Free Visa Debit Card
  • Refunded Foreign ATM Fees (maximum 8 per statement cycle)
  • Must be 16 years or older to open
  • Required enrollment in eStatements
  • Paperless account- no checks permitted
  • Online Banking and Bill Pay
  • Mobile Banking
  • Telephone Banking
  • Free Overdraft Protection
  • Free Automatic Funds Transfers

Click here for a list of our current rates.

Rates may change after account opening. Fees may reduce earnings.

Click here to open an account online.


Services included for free

What you pay for

  • OD(2) - Paid Item Fee (per Item) - $9.00
  • Stop Payment (Each) (3) - $25.00 

(1) When you don’t have enough money in your account to cover a check or other item. These can potentially be avoided by taking advantage of Free Overdraft Protection. 

(2) Created by check, in-person withdrawal, or electronic means other than point of sale or ATM transaction. Maximum of 5 combined OD Fees per day.

(3) An order to request that the Bank not pay a check that has been written but not cashed.


How can I make deposits to my account?

Currently you can make deposits using the following channels:

  • Branch lobby
  • ATMs that accept deposits
  • Online Banking transfer
  • US Mail
  • Wire Transfer
  • ACH (Automated Clearing House)
  • Bank To Bank Transfer
  • Remote Capture
  • Night Drop

How can I access the money in my account?

  • Use a Visa debit card or checks for purchases or payments
  • Use your Visa debit card at an ATM to get cash
  • Request cash back when using your Visa debit card at a store
  • Use Free Online Bill Pay for making payments
  • Call or visit a branch to request a cashiers check or wire transfer
  • Make a withdrawal from any one of our branches
  • Authorize recurring electronic money transfers to your account at another institution

How much money can I withdrawal using my debit card at an ATM?

The standard daily ATM withdrawal limit is $505 per debit card. 

Does my debit card have a daily purchase limit?

Daily point of sale (POS) is $5,000.00.

How long does it take to receive a new debit card?

Debit cards can be printed at new account opening.

What do I do if my debit card or become lost or stolen?

To report a lost or stolen debit card, simply sign into Online Banking, navigate to the Dashboard, Card Management, select the lost card, and toggle it over to "locked" status.

Alternatively, you may call: 

(509) 664-5453 Monday – Friday. 7:00 a.m. – 6:00 p.m.

(888) 297-3416 After Hours Only

To report lost or stolen checks call your local branch as soon as possible during regular business hours, or you may place a Stop Payment request yourself in your Online Banking. There is a $25 fee for each Stop Payment request.