Free Checking

Choosing a local bank means you're supporting the bank that supports you and your community. Your bankers are your neighbors, your friends so you'll have more personalized attention, and you'll have financial benefits like better interest rates.

Community banks give back to the people and economies that they're part of. It's a win-win for everyone.

No, there are no fees associated with our free checking accounts in good standing.

Yes, you will be charged a $30 overdraft fee per item. If the account remains overdrawn for 7 days, you will be assessed a $30 continuous overdraft charge every 7 days. There is a maximum overdraft fee of $150 per day. Worried about a possible overdraft? Activate Ready Reserve⁽²⁾ on your checking account today!

You'll receive a free debit card as well as a free box of starter checks when you open an account.

To open an account or switch to Plains Commerce, you will need:

• Account application (PDF)
• Valid government-issued identification for all owners on an account.
  • Examples: driver's license, identification card, passport, military ID, tribal ID
• Social security number
  • SSN card need not be presented
  • If account is being opened for a minor, social security card or birth certificate is required
• Physical address (No PO Box)
• Any power of attorney papers (if applicable)