PERSONAL CHECKING ACCOUNTS
For the best choice, check here. Looking for free checking with no minimum balance? We've got you covered. How about checking that earns interest? No problem. We offer several checking solutions to make it easier to find one that works well for you.
All terms and conditions are subject to change. Full account disclosure, in accordance with the Truth in Savings Act, is available upon request.
CareFree Checking
- Available to individuals 18 years of age and above.
- No monthly service fees or transaction fees.
- No minimum balance requirements.
- Unlimited check writing.
- Free checks for the life of the account when Bank Custom Check is selected. Other select styles offered at a discount.
- Overdraft Privilege up to $300 activated after account has been open for 90 days. With recurring direct deposit, Overdraft Privilege up to $500. Overdraft Privilege Disclosure
- Free Internet Banking and Internet Bill Payment & Presentment.
- Free Telephone Banking.
Relationship Checking
- Available to individuals 18 years of age and above, who have direct deposit as a periodic deposit transaction.
- $5 fee/month if account falls below $200 daily minimum balance. Fee is waived if $1,000 is maintained in a combination of Savings Account(s); Certificate(s) of Deposit; and/or, a Money Market Account.
- Free cash withdrawals at ATMs not owned by Adams County National Bank. The ATM owner may apply a surcharge to the transaction.
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Certificate of Deposit (CD) Bonus Rate - Earn an additional 0.25% on new regular or IRA CDs or ones being renewed. Promotional CDs, both regular and IRA ones, do not qualify for the bonus rate.
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Loan Discount and Bonus – With the automatic transfer of periodic loan payments from Relationship Checking, earn a discount of 0.25% on nonrevolving consumer loans and in-house residential mortgage loans…plus an added bonus of all fees waived on consumer loans and $100 off fees at the time of closing for residential mortgage loans.
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Free initial order of checks. Applies to Bank custom check style only.
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Unlimited check writing, with no transaction or per item fees.
- Overdraft Privilege up to $500 activated after account has been open for 90 days. Overdraft Privilege Disclosure
- Overdraft Protection available upon completion of application.
- Free Internet Banking and Internet Bill Payment & Presentment.
- Free Visa® Check Card.
- Free Telephone Banking.
Esteem Checking
- Available to individuals 50 years of age and above.
- No transaction fees or monthly service fees.
- No minimum balance fees.
- Variable rate of interest earned with compounding and crediting on a monthly basis.
- Daily collected balance of $100 required to earn interest.
- Unlimited check writing.
- Overdraft Privilege up to $700 activated after account has been open for 90 days. Overdraft Privilege Disclosure
- Free personalized Esteem Checking custom checks for life of account relationship.
- Esteem Checking also offers these valuable privileges: free Internet Banking, free Internet Bill Payment & Presentment, free travelers checks, free official checks, free money orders, free Overdraft Protection, free Telephone Banking, and 50% discount on a Safe Deposit Box (when the annual rental payment is automatically deducted from Esteem Checking Account).
Checking +
- Available to individuals 18 years of age and above.
- Variable rate of interest earned with compounding and crediting on a monthly basis.
- Tiered interest-earning account. Tiers include the following daily collected balances: $1,000; $25,000; $50,000; and, $100,000.
- Daily collected balance of $1,000 required to earn interest.
- $10 fee/month if account falls below $1,000 average daily balance.
- Unlimited check writing.
- Overdraft Privilege up to $700 activated after account has been open for 90 days. Overdraft Privilege Disclosure
- Overdraft Protection available upon completion of application.
- Free Internet Banking and Internet Bill Payment & Presentment.
- Free Telephone Banking.
Equal Housing Lender. Equal Opportunity Lender. Member FDIC.