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. 

Vision Free Checking

Get Free E-statements and no monthly service charge. 

Like hassle-free checking? Try our Vision Free checking. With no minimum balance, no paper statements, no monthly service charge and unlimited transactions, Vision Free checking is a great option for college students, those who work away from home or anyone who prefers online banking. There is no monthly service fee. 

  • $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
  • Free online Banking
  • Bill payments - 10 free

Vision Plus+ Checking
Free Personalized checks and free Overdraft Protection transfers.

Need something more than basic checking? Our Vision Plus checking provides unlimited transactions and one (1) box of personally imprinted wallet style checks per year at no additional fee. Other styles and quantities are available and will vary in price. 

  • $50.00 deposit to open account
  • One free box of checks each calendar year
  • Free Debit Card available upon request
  • No minimum balance
  • Unlimited number of transactions
  • Free Online Banking
  • Statements can be mailed or viewed online
  • Overdraft protection from another deposit account at no additional cost
  • Bill Payments - 10 free
  • $5.00 monthly service Charge

Vision Gold Checking
For persons 65 years of age or older
In your Golden Years? Then Vision Gold checking is for you! It features all the benefits of Vision Plus checking at a lower monthly service fee of $3.00. You must be 65 years of age to qualify for this account. 
  • $50.00 deposit to open account
  • One free box of checks (personalized wallet style) per year. Additional styles available.
  • Free Debit card available upon request
  • No minimum balance
  • Free online Banking
  • Unlimited number of transactions
  • Statements can be mailed or viewed online
  • Overdraft protection from another deposit account at no additional cost
  • Bill payments - 10 Free
  • $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.

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
  • Calhoun Banks reserves the right to require at least 7 days written notice from the customer prior to any withdrawal

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. Commercial checking 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

Corporate Business Checking
Earn cred against service charges on your corporate checking to help stay in the green


You run a successful business; you should be rewarded. With Corporate Business Checking, accounts with an average balance greater than $10,000 earn credit to offset service charges. A .01% credit will be applied monthly. 
Account maintenance:
  • Monthly fee $10.00 
  • On-Us Checks deposited: $.05 each
  • Foreign Checks deposited: $.10 each
  • ACH Debit item: $.10 cents each
  • ACH Credit item: $.10 cents each
  • Paid Checks: $0.10 each
  • Unpaid Item re-transmitted: $5.00 each
  • Unpaid Deposit Items: $10.00 each
  • Unpaid Item charged back: $10.00 item
  • Check costs depend on the style and quantity of checks ordered
 
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, but still allow you make six (6) transfers from your account each four (4) week or similar period, if by pre-authorized or automatic transfer or telephone agreement or by check, draft, debit card, or point of sale transaction(basically anything other than walking in the bank, mailing your request or using an ATM).

Money market accounts require a minimum opening deposit of $5,000 and require your daily minimum balance to not be less than $5,000 to receive the annual percentage rate.
  • $5000.00 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.
  • $5000.00 minimum balance 
  • A limited number of (6) transactions 
  • Statements can be mailed or viewed online
  • Customer who exceed the 6 transactions will be charged $10.00 for each transaction
  • 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.