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Compare Our Accounts

We pride ourselves in personalized service. Our individual accounts and banking products are designed to meet your personal needs. The comparison table below can help you determine which account is best for you. As you can see, we offer a variety of accounts all of which offer great features:

For more information on our personal accounts, please contact your local branch representative. 

  eLite Checking LIberty Checking Heritage Checking STAR Checking* STAR Interest Checking* Spirit Money Market Spirit Savings 
Eligibility All customers All customers Customers age 50+ Individuals Individuals All customers All customers
Minimum Opening Balance $25 $1,000 $100 $25 $1,000 $2,500 $100
Monthly Service Charge $8 $10 None $7 $8 $10 $3
To Waive Monthly Service Charge Enroll in eStatements with image view Maintain $1,000 minimum daily balance Not applicable Maintain $50,000 in combined qualifying primary balances Maintain $50,000 in combined qualifying primary balances Maintain $2,500 minimum daily balance Maintain $100 minimum daily balance
Minimum Balance Requirement None $1,000 minimum daily balance to earn interest $500 minimum daily balance to earn interest None

$1,000 minimum daily balance to earn interest

$10 minimum daily balance fee applies if balance falls below $1,000

$2,500 minimum daily balance to earn interest $100 minimum daily balance to earn interest
Interest None Tiered variable interest rate compounded daily and paid monthly Variable interest rate None Tiered variable interest rate compounded daily and paid monthly Tiered variable interest rate compounded daily and paid monthly Variable interest rate
Transaction Limits No deposit limitations. Some withdrawal limitations apply. See Schedule of Services for details. None None None None No deposit limitations. Some withdrawal limitations apply. See Schedule of Services for details.  No deposit limitations. Some withdrawal limitations apply. See Schedule of Services for details. 
Debit Card One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card. One free Mastercard® debit card per signer. Additional cards available for a fee per card.

"Balance" is considered collected balance during statement cycle. 

* STAR Member Reward Benefits are included for all STAR Checking and STAR Interest Checking Accounts. STAR Membership Award Benefits include: