Twin Cedars Bank

Personal Checking Accounts

Checking Account Options Designed To Meet Your Financial Needs

At Twin Cedars Bank, we’re dedicated to providing banking services that meet your specific financial needs and goals. That’s why we offer a variety ofpersonal checking accounts different types of checking accounts to provide you with checking account options best suited to your individual needs. 

Compare our checking account types below or contact a Twin Cedars Bank near you to learn more or open a new checking account.

PRIME CHECKING ACCOUNTS

Our Prime Checking Accounts are a free checking account option that makes it simple to manage your money. Features of our Prime Personal Checking Accounts include:

  • Free Online Banking
  • Free Mobile Banking (through the Touch Banking app)
    • Instant Balance feature
    • Free mobile deposit
    • Transaction review
  • Free money transfers via Online Banking and Mobile Banking
  • Free balance inquiry via Online Banking and Mobile Banking
  • Free debit card
  • Personal check ordering capability 
  • Free E-statements (must be enrolled in through Online Banking)
    • If not enrolled in E-statements, there is a $3.00(plus tax) Paper Statement Fee per month

This free bank checking account requires a $100 deposit to open and has no minimum balance requirement. With no maintenance fees, this type of checking account is ideal for individuals looking for a straightforward, no-fee checking account. 

INTEREST CHECKING ACCOUNTS

Our interest-bearing checking accounts offer competitive interest rates and are available as both personal and business checking accounts. Features of our personal checking accounts with interest include:

  • Free Online Banking
  • Free Mobile Banking (through the Touch Banking App)
    • Instant Balance feature
    • Free mobile deposit
    • Transaction review
  • Free money transfers via Online Banking and Mobile Banking
  • Free balance inquiry via Online Banking and Mobile Banking
  • Free debit card
  • Personal check ordering capability 
  • Interest paid on daily balance - based on tiers
  • Free E-Statement (must be enrolled in through Online Banking)
    • If not enrolled in E-Statements, there is a $3.00(plus tax) Paper Statement Fee per month

This interest-bearing account requires a $500 deposit to open, and there is a $10 monthly maintenance fee if your daily balance falls below $500. To learn more about our competitive checking account interest rates, contact a Twin Cedars Bank near you today!

MONEY MARKET ACCOUNTS

Our Money Market Accounts are an attractive option with the combination of features of both a savings account and an online checking account. Money Market Accounts (also called Money Market Deposit Accounts) help you build your savings while still enjoying easy access to your funds. Features of our Money Market Accounts include:

  • Free Online Banking
  • Free Mobile Banking (through the Touch Banking app)
    • Instant Balance feature
    • Free mobile deposit
    • Transaction review
  • Free transfers via Online Banking and Mobile Banking
  • Free balance inquiry via Online Banking and Mobile Banking
  • Limit of six (6) withdrawals per calendar month. Excess Debit Fee of $2.00 plus tax charged for each withdrawal in excess of 6.
  • Interest paid on daily balance - based on tiers
  • Free E-Statement (must be enrolled in through Online Banking)
    • If not enrolled in E-Statements, there is a $3.00(plus tax) Paper Statement Fee per month (waived for Non-Profit Prime Checking and Public Funds Prime Checking)

To open a Money Market Account, a $2,500 deposit is required, and there is a $10 monthly maintenance fee if your daily balance falls below $2,500. To learn more about money market account rates, contact a Twin Cedars Bank near you.

From helping you find the best checking account for you to opening a checking account to ongoing support and services, Twin Cedars Bank is here to help you with all of your banking needs. Whether you’re opening your first checking account or looking to earn interest with a Money Market Account, we’re here to provide the best banking services in Bussey, Lovilia, Oskaloosa, and beyond!

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