Checking

Different types of checking accounts meet various financial needs. It’s important to compare and understand the features, fees and requirements before opening an account.

A checking account to meet just about all your financial needs.

  • No monthly fee
  • FREE REACH Financial Success Education
  • FREE It’sMe247 Mobile App
  • FREE Mobile Deposit*
  • FREE It’sMe247 Online Banking
  • FREE It’sMe247 Bill Pay
  • FREE Text Banking
  • FREE online check images
  • FREE eStatements
  • FREE Account to Account Transfer
  • FREE Person to Person Payment
  • FREE debit card with Rewards
  • FREE debit card roundup
  • FREE Shared Branching
  • Courtesy Pay available**
  • Overdraft products
  • No minimum balance requirement
  • Direct deposit
  • Rewards VISA Credit Card*

* subject to credit approval
** account qualifications must be met

Designed for ages 13 to 17 – this checking account helps teach teens how to manage spending, saving, and overall money management.

  • No monthly fee
  • FREE REACH Financial Success Education
  • High-dividend Fast Pass Savings*
  • Lower overdraft and NSF fees
  • Must have parent or guardian as joint owner
  • FREE It’sMe247 Mobile App
  • FREE Mobile Deposit**
  • FREE It’sMe247 Online Banking
  • FREE It’sMe247 Bill Pay
  • FREE Text Banking
  • FREE online check images
  • FREE eStatements
  • FREE Account to Account Transfer
  • FREE Person to Person Payment
  • FREE debit card with Rewards
  • FREE debit card roundup
  • FREE Shared Branching
  • Courtesy Pay available***
  • Overdraft products
  • No minimum balance required
  • Direct deposit
  • Rewards VISA Credit Card****

* APY = annual percentage yield. The rate of 5% applies to balances up to $1,000. Balances above $1,000 revert to regular savings rate. One Fast Pass Savings per member.
** subject to credit approval
*** account qualifications must be met
**** at age 16 with parent co-signor and subject to credit approval

Designed for ages 18 to 24 – this checking account helps teach young adults how to manage spending, saving, and overall money management.

  • No monthly fee
  • FREE REACH Financial Success Education
  • Lower overdraft and NSF fees
  • Must have parent or guardian as joint owner
  • FREE It’sMe247 Mobile App
  • FREE Mobile Deposit*
  • FREE It’sMe247 Online Banking
  • FREE It’sMe247 Bill Pay
  • FREE Text Banking
  • FREE online check images
  • FREE eStatements
  • FREE Account to Account Transfer
  • FREE Person to Person Payment
  • FREE debit card with Rewards
  • FREE debit card round up
  • FREE Shared Branching
  • Courtesy Pay Available**
  • Overdraft products
  • No minimum balance requirement
  • Direct deposit
  • Rewards VISA Credit Card*

* subject to credit approval
** account qualifications must be met

Reach checking

If you’ve had trouble getting a checking account in the past, let us help you turn your record around with our Opportunity Checking account.

  • Monthly fee*
  • FREE REACH Financial Success Education
  • FREE It’sMe247 Mobile App
  • FREE It’sMe247 Online Banking
  • FREE It’sMe247 Bill Pay
  • FREE Text Banking
  • FREE online check images
  • FREE eStatements
  • FREE Account to Account Transfer
  • FREE Person to Person Payment
  • FREE debit card with Rewards
  • FREE debit card roundup
  • FREE Shared Branching
  • Courtesy Pay available**
  • Overdraft products
  • No minimum balance requirement
  • Direct deposit
  • Rewards VISA Credit Card***

* see fee schedule
** account qualifications must be met
*** subject to credit approval

This checking account allows you to earn higher dividends for higher balances.

  • $2,500 min balance*
  • FREE REACH Financial Success Education
  • Free It’sMe247 Mobile App
  • FREE Mobile Deposit**
  • FREE It’sMe247 Online Banking
  • FREE It’sMe247 Bill Pay
  • FREE Text Banking
  • FREE online check images
  • FREE eStatement
  • FREE Account to Account Transfer
  • FREE Person to Person Payment
  • FREE debit card with Rewards
  • FREE debit card roundup
  • FREE Shared Branching
  • Direct deposit
  • Rewards VISA Credit Card**

* otherwise a monthly fee will be assessed – see fee schedule
** subject to credit approval

If you need a small business checking, look no further.

  • Monthly fee*
  • FREE REACH Financial Success Education
  • FREE It’sMe247 Mobile App**
  • FREE It’sMe247 Online Banking
  • FREE It’sMe247 Bill Pay
  • FREE online check images
  • FREE eStatement
  • FREE Account to Account Transfer
  • FREE Person to Person Payment
  • FREE debit card with Rewards
  • FREE debit card roundup
  • FREE Shared Branching
  • Direct deposit
  • Rewards VISA Credit Card**

* see fee schedule for monthly fee
** subject to credit approval


REACH Financial Success Education

Checking

Different types of checking accounts meet various financial needs. It’s important to compare and understand the features, fees and requirements before opening an account. This short, interactive learning experience includes:

  • How to select, open, and use a checking account
  • Understanding the fees associated with checking accounts
  • How to keep your checking account secure


Our Piqua Branch is closed to walk-ins today. For an appointment please call 937-296-4037. Your December 2020 statement will include your 1099-INT tax form. This information is also reported to the IRS. No separate paper copy of the 1099-INT tax form will be mailed.Click here for information about the 2nd STIMULUS CHECK and other COVID-19 related information.
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