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Checking Accounts

Free Checking

For just a $100 initial deposit you will receive the benefits of our free checking account. This account requires no minimum balance and allows unlimited check writing. There are no monthly service fees with this account. Open your Free Checking Account today!

Now Checking

The NOW Account offers our customers an interest bearing checking account with a minimum daily balance of $1,500. If the balance goes below $1,500 any day during the cycle there will be a $5.00 monthly maintenance charge as well as a .10 charge per item. This account is for personal use only.

Golden Club Checking

Joining is easy. Anyone who has an account with us and is 50 years and older can enroll. The Golden Club Account requires a $500.00 balance to be maintained in any deposit account for everyday of the statement cycle. Otherwise, a $5.00 monthly service fee will be imposed.


  • No-charge checking (if $500 is maintained in any account)
  • Reduced fee on cashier's checks and money orders
  • Notary service
  • Medallion Guarantee
  • Photocopies
  • 1 box of free Bank checks per year
  • Reduced License Sticker renewal fee
  • $5.00 discount on Stop Pays and Safe Deposit box rental
  • No fee Phone Transfers

Travel and Social Services designed to meet the needs of people over 50

  • Planned senior customer activities
  • Travel program

Golden Now Checking

The Golden Now Account is a blend of a Golden Club Account and a NOW Account. Enjoy the features of the Golden Club while earning interest like a NOW Account! This is designed for our 50 and over customers who want the Golden Club Account but carry a high balance. The minimum balance for this account is $1,500. If the balance goes below that, a $5.00 fee will be imposed as well as .10 fee for each debit.

3341 Old Jacksonville Road
480 S Crossing Drive
512 W Main Street
The Chamber Sherman Area Chamber of Commerce Sherman Area Chamber of Commerce Member FDIC Equal Housing Lender