All of our checking accounts include:

Included:

– Debit card
– First order of checks
– Online banking
– Online bill payment

eChecking Regular Checking Interest Checking Premier (Senior) Checking Age 62+
Opening balance required $100.00 $100.00 $500.00 $100.00
Monthly service charge $8.00 $8.00 $10.00 $10.00
Daily minimum balance to avoid service charge $500.00 $1,000.00 $100.00
Daily minimum balance to earn interest N/A N/A $1,000.00 $1,000.00
To waive service charge
Paperless statements
Relational Balance
Daily minimum balance met
Relational Balance
Daily minimum balance met
Relational Balance
Daily minimum balance met
Monthly direct deposit
Relational Balance
Features / Benefits
Direct deposit
Debit card
Herring Rewards
Online banking
Mobile banking
Mobile deposit
Text banking
Transaction notification
E-statement
Bill pay
POP money
No per check fee
Auto balance transfers
50 checks
Direct deposit
Debit card
Herring Rewards
Online banking
Mobile banking
Mobile deposit
Text banking
Transaction notification
E-statement
Bill pay
POP money
No per check fee
Auto balance transfers
CD Advantage rate
Direct deposit
Debit card
Herring Rewards
Online banking
Mobile banking
Mobile deposit
Text banking
Transaction notification
E-statement
Bill pay
POP money
No per check fee
Auto balance transfers
CD Advantage rate
Direct deposit
Debit card
Herring Rewards
Online banking
Mobile banking
Mobile deposit
Text banking
Transaction notification
E-statement
Bill pay
POP money
No per check fee
Auto balance transfers
CD Advantage rate
Interest rate tiers
$1,000.00 – and up $1,000.00 – and up
Debit card limits
Debit card cash withdraw limit $305.00 $305.00 $305.00 $305.00
Debit card point of sale limit $1,000.00 $1,000.00 $1,000.00 $1,000.00
Overall daily debit card limit $1,305.00 $1,305.00 $1,305.00 $1,305.00
Account limitations
Available to individuals age 62 and over.

How to get a personal checking account:

You must apply in person to create your personal checking account.

When starting a checking account, you will need:

– 2 forms of identification
– $100 to open a checking account

All of our personal savings accounts include:

Features and benefits

Direct deposit
Online banking
Mobile banking
Mobile deposit

Text banking
Transaction notification
E-Statements
Bill pay

POP money
Auto balance transfers
CD Advantage Rate

Our personal savings account options:

Minor Savings Savings Advantage Money Market Super 50 Money Market Super 100 Money Market Super 250 Money Market
Opening balance required $25.00 $100.00 $1,000.00 $50,000.00 $100,000.00 $250,000.00
Monthly service charge N/A $8.00 $10.00 $15.00 $20.00 $25.00
Daily minimum balance to avoid service charge N/A $100.00 $1,000.00 $50,000.00 $100,000.00 $250,000.00
Daily minimum balance to earn interest $100.00 $100.00 $1,000.00 $50,000.00 $100,000.00 $250,000.00
To waive service charge
N/A Daily minimum balance met
Relational balance
Daily minimum balance met
Relational Balance
Daily minimum balance met
Relational Balance
Daily minimum balance met
Relational Balance
Daily minimum balance met
Relational Balance
Interest rate tiers
N/A N/A $1,000 – $9,999.99
$10,000 – $19,999.99
$20,000 – $29,999.99
$30,000 – $39,999.99
$40,000 – and up
$50,000 – and up $100,000 – and up $250,000 – and up
Account limitations
Account holders are limited to six preauthorized or automatic transfers or withdrawals per statement cycle ( a $2.00 item charge will be assessed for each excessive item). Account holders are limited to six preauthorized or automatic transfers or withdrawals per statement cycle ( a $2.00 item charge will be assessed for each excessive item). Account holders are limited to six preauthorized or automatic transfers or withdrawals per statement cycle ( a $10.00 item charge will be assessed for each excessive item). Account holders are limited to six preauthorized or automatic transfers or withdrawals per statement cycle ( a $10.00 item charge will be assessed for each excessive item). Account holders are limited to six preauthorized or automatic transfers or withdrawals per statement cycle ( a $10.00 item charge will be assessed for each excessive item). Account holders are limited to six preauthorized or automatic transfers or withdrawals per statement cycle ( a $10.00 item charge will be assessed for each excessive item).
Ways to get ahold of the personal banking dept.

Call us directly

1-866-348-3435

Schedule an appointment

Visit us in person

Find a local branch near you

Locate a branch

Frequently asked questions

You might be wondering about…

Who can I contact if I have a question or need help?

Please call us at 866-348-3435 and an experienced representative will be happy to assist you.

Is there a minimum amount needed to start an account?

Yes, $100 for consumer accounts and $500 for business accounts.

What are the overdraft fees?

Up to $25 per returned or insufficient item.

What safeguards are in place for COVID19?

All branch location lobbies are currently open. In order to do our part in protecting our customers as well as our employees, Herring Bank is encouraging the use of masks when entering our lobbies. As always, our drive-thrus have extended hours to serve those customers wishing to social distance.

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