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Personal Banking

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 Online Banking and Online Bill Pay & Presentment.
  • Free Telephone Banking. 

Truth in Savings Disclosure

 


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 ACNB Bank.  The ATM owner may apply a surcharge to the transaction.
  • 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. 
  • Loan Bonus – Earn a discount of 0.25% on non-revolving consumer loans and on in-house residential mortgage loans when the loan payment is automatically deducted from this account. Plus, $100 off fees at the time of closing for home equity consumer loans and lines; and residential mortgage loans.
  • Unlimited check writing, with no transaction or per item fees.
  • Overdraft Protection available upon completion of application.  
  • Free Online Banking and Online Bill Pay & Presentment.
  • Free Debit Card.
  • Free Telephone Banking.  

Truth in Savings Disclosure

 


 

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.
  • Free personalized Esteem Checking custom checks for life of account relationship.
  • Esteem Checking also offers these valuable privileges: free Online Banking, free Online Bill Pay & Presentment, free travelers checks, free official checks, free money orders, free Telephone Banking, and 50% discount on a Safe Deposit Box (when the annual rental payment is automatically deducted from Esteem Checking Account).

Truth in Savings Disclosure

 

 


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; $24,999.01; $49,999.01; and, $99,999.01.
  • 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 Protection available upon completion of application.
  • Free Online Banking and Online Bill Pay & Presentment.
  • Free Telephone Banking.

Truth in Savings Disclosure

 



 

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