Our checking accounts offer you the convenience you need, at a place you trust! Free checking with no minimum balance required! Free starter checks You have a complete, carbon copy of each check you write.  Checks are not returned to you, but are filed and microfilmed at our clearing agency.  Copies of drafts are available by request. You receive monthly statements in date sequence showing the date each draft was paid, the amount, and draft number. Deposits to your checking account can be made automatically through convenient Payroll Deduction or Direct Deposit of Checks.  For more information, click here. Overdraft Protection: You can cover an overdraft check by a savings transfer.  Reorder your checks online!