Deposits Lending E-Services Resources Contact Home » Deposits Checking Your checking. Your choice. At Calhoun Banks, we know everyone has different needs when it comes to checking accounts. We offer a variety of account types to fit your budget - most require no minimum balance - and your lifestyle. Virtual Checking Get Free E-statements and no monthly service charge. Like hassle-free checking? Try our Virtual checking. With no minimum balance, no paper statements, no monthly service charge and unlimited transactions, Virtual checking is a great option for college students, those who work away from home or anyone who prefers online banking. Free Online Banking Free Online Bill Pay $50.00 deposit to open account Check costs vary depending on style of check Free Debit Card available upon request Includes E-statements through internet banking or via the secure E-Delivery site No minimum balance Unlimited number of transactions No monthly service charge Signature Checking Free personalized checks and free Overdraft Protection transfers. Need something more than basic checking? Our Signature checking provides unlimited transactions and one (1) box of personally imprinted basic, wallet style checks per year at no additional fee. Other styles and quantities are available and vary in price. Free Online Banking Free Online Bill Pay $50.00 deposit to open account One free box of basic, wallet style checks each calendar year Free Debit Card available upon request No minimum balance Unlimited number of transactions Statements can be mailed or viewed online Overdraft protection from another deposit account at no additional cost $5.00 monthly service Charge Signature Gold Checking For customers 65 years of age or older. Are you in your Golden Years? Then Signature Gold checking is for you! It features all the benefits of Signature checking at a lower monthly service fee of $3.00. You must be 65 years of age to qualify for this account. Free Online Banking Free Online Bill Pay $50.00 deposit to open account One free box of checks (personalized wallet style) per year Free Debit card available upon request No minimum balance Unlimited number of transactions Statements can be mailed or viewed online Overdraft protection from another deposit account at no additional cost $3.00 monthly service charge NOW Account An Interest Bearing Account - Earn interest on your funds and enjoy unlimited transactions. A NOW Account is a Negotiable Order of Withdrawal (NOW) that allows you to earn interest on your money and write checks from the same account. NOW accounts require a larger deposit than standard checking accounts but provide the same unlimited number of transactions. Interest rates and annual percentage yield may change. Any interest earned is added to your account automatically each month. You must maintain a balance of at least $0.01 in the account to earn interest. Calhoun Banks reserves the right to require at least 7 days written notice from the customer prior to any withdrawal. Interest rates may change on the account at any time. If the account is closed before interest is credited, the accrued interest will not be included. $1000.00 deposit to open account Interest begins accruing on the first non-cash item(check) deposit Check costs depend on the style and quantities chosen $1000.00 minimum balance to avoid a monthly service fee of $7.50 Unlimited number of transactions Statements can be mailed or viewed online Commercial Checking Monthly maintenance fees based on account balance. Starting a new business can be stressful enough without worrying about how to open a commercial checking account. With us, it's easy. A commercial checking account can be opened for as little as $100. Keep a balance of $500.00 or more and there is no monthly maintenance fee. $100 Deposit to open account Account fees will only be charged if average balance fall below $500. Monthly maintenance fees: Average monthly balance from $300.00 to $499.99: $3.00 Average monthly balance from $100.00 to $299.99: $4.00 Average monthly balance from $0.00 to $99.99: $5.00 Checks in excess of 70 per month: $ .15 per check Money Market Account An Interest Earning Account A Money Market account is more like a savings account than a checking account. Sometimes they are even called Money Market Savings Accounts. Money market accounts allow you to save money, typically at a higher interest rate. Money market accounts require a minimum opening deposit of $10,000 and require your daily minimum balance to be at least $10,000 to receive the annual percentage yield. $10,000.00 deposit to open account Interest begins accruing on the first non-cash item(check) deposit Check costs vary depending on the style and quantity of checks you choose Statements can be mailed or viewed online Calhoun Banks reserves the right to require at least seven (7) days written notice from the customer prior to any withdrawal Please see the Schedule of Fees for additional charges that may be applicable. Check Reorder Reorder checks online 24 hours of the day through Main Street Checks. REORDER HERE Auto Loans We'll put you straight in the driver's seat with hassle-free car financing. Let's go! APPLY NOW Website Privacy Privacy Policy Member FDIC Equal Housing Lender