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Checking

For the Way You Live

The Best Checking Account Is the One That’s Right for You

That’s why you’ll find unique options, plus convenient digital tools to bank securely anywhere, anytime.

Explore our accounts below or simply contact us. After all, we’re here to help you find the perfect fit and getting to know you is our favorite part.

Checking Accounts

Access Checking

Low-cost, no-overdraft, check-less checking account
Easy access
Low minimum deposit amount to open
No minimum balance
Identity Theft Services ^1,2

Focus Checking

Basic features
Easy access
Identity Theft Services ^1,2
Qualifying account activity or deposit relationship waives monthly service charge ³

Vision Checking

More features
Easy access
Interest-earning potential
Identity Theft Services ^1,2
Qualifying account activity or deposit relationship waives monthly service charge ³

NextGen Checking

For ages 16-24 ⁴
Easy access
No minimum balance
No monthly service charge
Identity Theft Services ^1,2

Test

Checking Accounts

Access Checking

Low-cost, no-overdraft, check-less checking account
Easy access
Low minimum deposit amount to open
No minimum balance
Identity Theft Services ^1,2

Focus Checking

Basic features
Easy access
Identity Theft Services ^1,2
Qualifying account activity or deposit relationship waives monthly service charge ³

Vision Checking

More features
Easy access
Interest-earning potential
Identity Theft Services ^1,2
Qualifying account activity or deposit relationship waives monthly service charge ³

NextGen Checking

For ages 16-24 ⁴
Easy access
No minimum balance
No monthly service charge
Identity Theft Services ^1,2

Test

Easy Access and Peace of Mind

ACCESS CHECKING

A smart choice for anyone who’s looking to establish banking access or simply wants an account that prioritizes financial stability, affordability, and trust.

Low-cost, no-overdraft, check-less checking account
Low minimum deposit amount to open your account
No minimum balance requirement
Money access via debit card, ATMs, in-branch, and digital banking
Identity Theft services include reimbursement for up to $1,000 in covered expenses incurred to restore your identity ^1,2
eStatement ³

FOCUS CHECKING

Delivering clarity and confidence for everyday banking. With simplified tools and convenience, Focus Checking empowers you to stay in control of your financial life.

Basic and easy-to-use checking account
Monthly service charge is waived with 15+ debit card transactions per statement cycle, or $1,000 minimum balance per statement cycle, or $10,000 combined deposit balance
Money access via debit card, ATMs, in-branch, and digital banking
Identity Theft services include reimbursement for up to $1,000 in covered expenses incurred to restore your identity ^1,2
eStatement ³

VISION CHECKING

More than just a premium account—this is a personalized path toward what’s next. Designed for those who manage their money with intention

Earn interest on your checking balance
Premium features and savings on popular banking services
Monthly service charge is waived with 15+ debit card transactions per statement cycle, or $2,500 minimum balance per statement cycle, or $25,000 combined deposit balance
Money access via debit card, ATMs, in-branch, and digital banking
Identity Theft services include reimbursement for up to $1,000 in covered expenses incurred to restore your identity ^1,2
eStatement ³

We’ve Got the Perfect Account For You

Compare Checking Accounts

	Access	Focus	Vision
Free Online Banking, Mobile Banking^*, and Bill Pay Plus
No minimum balance required to maintain
Minimum to Open	$25.00	$25.00	$25.00
Interest Earning			tiered rates
Monthly service fee	$4.95	Waived with 15+ debit card transactions, or $1,000.00 minimum balance per statement cycle, or $10,000.00 combined deposit balance, otherwise $6.00	Waived with 15+ debit card transactions, or $2,500.00 minimum balance per statement cycle, or $25,000.00 combined deposit balance, otherwise $10.00
Statement Options	eStatement is required	eStatement is standard; paper statements are $4.00	eStatement is standard; paper statements are $4.00

* Standard wireless carrier charges may apply.

Open an Account Today

NexGen Checking

Overdraft Protection

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Civista Learning Vault

¹ Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD.

²Insurance products are: NOT A DEPOSIT. NOT-FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK.

³ eStatement is account standard. Paper statement option available for a monthly charge.

⁴ Young adults 16-24 years of age is an owner on account. Accounts opened by a minor (under 18) require a joint owner 18 years of age or older on the account.

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