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Personal Checking Accounts

Choose from Raccoon Valley Bank ’s Checking Account Options

When it comes to your personal finances, your checking account is your most active asset. Raccoon Valley Bank offers three different personal checking account options to help you find the checking account that best suits your financial needs. Whether you need the basic necessities of Hometown Free Checking, the additional perks of Hometown Checking or Hometown Checking Plus, you will find a personal checking account just for you.

Hometown Free Checking – eStatements Required

Like the idea of not paying monthly fees? This account is for you! Requiring only a $100 opening deposit, Hometown Free Checking also comes with free Online Banking, Bill Pay and Reserve Checking available to help you manage your finances.

ATM or Debit Card available for $10.70 annual fee.1,2

Hometown Checking

Make your money work for you! Hometown Checking allows you to earn interest on your daily collected balance over $1,000 and comes with the same benefits as Hometown Free Checking, as well as eStatements or paper statements, free safety deposit box rental for a year (based on availability) and free notary services.

$7.49 fee per statement cycle if average daily balance falls below $1,5002; check images returned at $5.35 per statement cycle2; ATM or Debit Card available for $10.70 annual fee1,2.

Hometown Checking Plus

Hometown Checking Plus is Raccoon Valley Bank’s premier checking account. With a $500 opening deposit and maintaining a $10,000  balance within deposits and/or loans, Hometown Checking Plus offers:

  • Tiered interest on daily collected balance
  • A FREE ATM or debit card
  • Free Online Banking and Bill Pay
  • Reserve Checking available
  • eStatements or paper statements
  • Free safety deposit box rental for a year (based on availability)
  • Free notary service
  • Free club checks or a discount on specialty checks

$10.70 fee per statement cycle if  balance falls below $10,0002; check images returned for $5.35 per statement cycle2.

1 Subject to credit approval  2State and local sales tax included

Overdraft Protection

Raccoon Valley Bank also offers two options in the event of an overdraft. Reserve Checking, which requires credit approval, is a pre-approved line of credit that prevents returned checks and overdraft fees. Overdraft Transfer is another option which automatically transfers funds from your savings account to prevent overdraft fees.


Find the Right Personal Checking Account at Raccoon Valley Bank

Having the ideal personal checking account for your needs has never been easier. Use our convenient online Deposit Account Application or come by any Raccoon Valley Bank location today to get started!