Personal Checking Accounts

Personal Checking Accounts

Your checking account is the heartbeat of your banking experience. We believe you should have access to an account that fits your individual needs and one that does what you want it to do!

Our partnership with Kasasa allows us to offer a line of personal deposit products that does just that.

What’s Kasasa? It’s like Big Bank Rewards with a Community Bank Heart. It rewards you in a way you might not think a community bank could. But the best part is, you don’t have to go to some big bank to get it.

Check it out below!

Personal Checking Accounts

CHECKING ACCOUNTS

Prospect Loyalty – OPEN NOW

An interest bearing checking account for our loyal customers with added benefits for those age 55 and older

  • Earn interest on entire balance at tiered rates
    • $0.01 to $14,999.99
    • $15,000.00 and over
  • $100 opening deposit required
  • $7 monthly service charge if average balance falls below $100
  • Refund up to $15 per statement cycle in Foreign (Non-Prospect Bank) ATM fees (maximum $4.99 refund per transaction)
  • Customers age 55 and over will receive up to 2 boxes of Loyalty Checks at no cost per year and free cashier’s checks

Kasasa Cash – OPEN NOW

Free reward checking account that offers a high rate of return

  • Earn interest on entire balance at tiered rates
  • $25 opening deposit required
  • eStatement enrollment required
  • Refund up to $15 per statement cycle in Foreign (Non-Prospect Bank) ATM fees (maximum $5 refund per transaction)
  • Account Reward per statement cycle:
    • 3.50% APY interest paid on balances of $0.01-$15,000.00
    • 0.25% APY interest paid on balances of $15,000.01 and over
  • Earn interest on entire balance if qualifications are not met at 0.05% APY
  • Account Qualifications per cycle:
    • 12 debit card purchases (each purchase must be a minimum of $5)
    • 1 ACH debit or credit (direct deposit, automatic payment)
    • Online or mobile banking log in

Prospect Compliments – OPEN NOW

A free basic checking account that takes advantage of all our eProducts

  • $25 opening deposit required
  • No minimum average balance required
  • $2 paper statement fee (waived if enrolled in eStatements)

 

Kasasa Cash Back – OPEN NOW

Free reward checking account that pays you back for using your debit card

  • $25 opening deposit required
  • eStatement enrollment required
  • Refund up to $15 per statement cycle in Foreign (Non-Prospect Bank) ATM fees (maximum $5 refund per transaction)
  • Account Reward per statement cycle:
    • 3% cash back on debit card purchases up to $9 per statement cycle
  • Account Qualifications per cycle:
    • 12 debit card purchases (each purchase must be a minimum of $5)
    • 1 ACH debit or credit (direct deposit, automatic payment)
    • Online or mobile banking log in

 

Kasasa Tunes – OPEN NOW

Free reward checking account that reimburses you for shopping iTunes, Amazon.com or Google Play

  • $25 opening deposit required
  • eStatement enrollment required
  • Refund up to $15 per statement cycle in Foreign (Non-Prospect Bank) ATM fees (maximum $5 refund per transaction)
  • Account Sign Up Reward: $20 refund of iTunes, Amazon.com or Google Play purchases (expires within 60 days of account opening)
  • Account Reward per statement cycle:
    • $10 refund of iTunes, Amazon.com or Google Play purchases (expires within 30 days of end of statement cycle)
  • Account Qualifications per cycle:
    • 12 debit card purchases (each purchase must be a minimum of $5)
    • 1 ACH debit or credit (direct deposit, automatic payment)
    • Online or mobile banking log in

 

Kasasa Saver – OPEN NOW

Free reward checking account to save your Kasasa Cash or Kasasa Cash Back rewards

  • Earn interest on entire balance at tiered rates
  • $25 opening deposit required
  • Kasasa Cash or Kasasa Cash Back reward checking account required
    • Auto transfer rewards from Kasasa Cash or Kasasa Cash Back to Kasasa Saver
    • Qualification criteria is determined by the Kasasa Cash or Kasasa Cash Back account
  • Account Reward:
    • 1.00% APY interest paid on balances of $0.01-$25,000.00
    • 0.25% APY interest paid on balances of $25,000.01 and over
  • Earn interest on entire balance if qualifications are not met at 0.05% APY

 

Kasasa Account Details
Qualifying for your reward is simple to do. During each monthly qualification cycle, you must:
• Have at least 12 debit card purchases post and settle to your account by the end of the qualification cycle
• Have at least 1 ACH (automatic) debit or credit (direct deposit, automatic payment) post to your account
• Log in to online or mobile banking
Super easy! If you do not qualify one month, don’t worry. Your account is still free and you can try again the next month.

Take back banking and get rewarded for your everyday activity.

Click here to see our qualification and statement cycle schedule.

 

APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $15,000.00 plus $100,000.00 and an assumed statement cycle of thirty-one (31) days.  Information and APYs are accurate as of 7/18/2019.  Rates, rewards, and bonuses, if any, are variable and may change after account is opened. No minimum balance is required to earn or receive the account’s rewards. Fees may reduce earnings.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.  iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.