Online Services


Checking Accounts

  Student Checking*

(Ages 16-22)

Simply Checking* Interest Checking* Prime Life Interest Checking*

(Age 50+)

Relationship
Banking
checking*
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Minimum Daily Balance to Avoid Fee $0
(Requires check safekeeping)
$0
(Requires check safekeeping)
$1,000
$0 $2,000
Monthly Service Fee $0 $0 $10 (Waived with direct deposit) $0 $10
Online Banking Free Free Free Free Free
Mobile & Tablet Banking** Yes Yes Yes Yes Yes
Online Statements Yes Yes Yes Yes Yes
Interest Paid No No Yes
($1,000 minimum balance)
Yes
($1,000 minimum balance)
Yes
($1,000 minimum balance)

Prices and terms are subject to change.

Student Checking*

Looking to find a great way to start your student off with their own checking account? Student checking is the way to go.

  • Available for ages 1622
  • NO minimum daily balance requirement
  • NO monthly service fee
  • 5 FREE foreign ATM transactions per statement cycle (other banks may charge you a fee for using their ATMs)
  • Requires check safekeeping
  • FREE online banking
  • FREE bill payment
  • NO annual fee Relationship Rewards Visa® Debit Card

Simply Checking*

Perfect for customers who want to eliminate account fees and maintain lower account balances.

  • NO minimum daily balance requirement
  • NO monthly service fee
  • Requires check safekeeping
  • FREE online banking
  • FREE bill payment
  • NO annual fee Relationship Rewards Visa® Debit Card

Interest Checking*

Enjoy all the conveniences of a checking account and earn a competitive interest rate.

  • $1,000 minimum daily balance requirement to avoid monthly service fee of $10
  • $1,000 minimum collected balance to earn interest.
  • Monthly service fee waived for direct deposit
  • FREE online banking
  • FREE bill payment
  • NO annual fee Relationship Rewards Visa® Debit Card

Prime Life Interest Checking*

Exclusively for customers at least 50 years of age who are looking for a checking account with NO minimum balance requirement to avoid monthly service fee.

  • NO minimum daily balance requirement
  • NO monthly service fee
  • $1,000 minimum collected balance to earn interest.
  • FREE online banking
  • FREE bill payment
  • NO annual fee Relationship Rewards Visa® Debit Card
  • Periodic bonus offers on certificates of deposit
  • Safe deposit box discounts
  • As your account grows, so does the interest level you earn:
    • Tier one: $1,000 - $4,999
    • Tier two: $5,000 - $9,999
    • Tier three: $10,000 or more

Relationship Banking checking*

If you want more out of your checking account relationship, this interest-bearing account is perfect.

  • A minimum balance fee of $10 will be assessed if your balance in this checking account falls below $2,000 on any day during the statement period
  • Relationship benefits will continue to be extended to all customers that maintain $15,000 in total deposits or $20,000 in combined deposit and consumer loan balances (excluding mortgages and credit cards)
  • $1,000 minimum collected balance to earn interest on checking account
  • FREE online banking
  • FREE online bill payment
  • NO annual fee Relationship Rewards Visa® Debit Card
  • Periodic bonus offers on certificates of deposit
  • One free order of specialty checks per year
    (Up to $35 value. Must be ordered through bank vendor.)
  • Safe deposit box discounts
  • As your account grows, so does the interest level you earn:
    • Tier One: $1,000-$4,999
    • Tier Two: $5,000-$9,999
    • Tier Three: $10,000-$24,999
    • Tier Four: $25,000 or more

Mobile & Tablet Banking**

With Mobile and Tablet Banking, you have easy access to your personal banking accounts from any location, any time, anywhere. It's secure, convenient and available when you are on the go! Simply enroll through Online Banking. Learn more.

Online Statements

Online Statements (eStatements) are electronic versions of your paper statements available within Online Banking. Online Statements are stored securely online with up to 24 months of statements available to view, download, and/or print at anytime. For more information, click here.

Financial Calculators

Looking to save to purchase a car, home or simply for the future? Find out how much you will need with one of our convenient financial calculators. Click here to learn more!

Client Account Manager

Client Account Manager is a deposit service that allows an individual escrow agent to keep track of various escrow deposits all within a single account and statement format. Client Account Manager (CAM) also makes it possible to pay interest and to have this interest allocated to the individual escrow account. This service eliminates the need to maintain separate accounts for each escrow deposit. Attorneys, landlords, realtors, contractors and others can take advantage of time savings benefits. Get started today! Simply stop by or call your local branch.


*These accounts are subject to other account related fees, including nonsufficient funds or standard overdraft fees.

**Swineford National Bank does not charge a fee for you to use this access device. Your service provider may charge access fees or data usage fees to obtain web access. Message and data rates may apply. Check with your service carrier for more details on specific fees.

Swineford National Bank is not affiliated with Visa.