Your Bank Should Work Around You

Bank where, when, and how you want—with modern digital tools and local bankers ready to help.

Checking Accounts That Work Around You

Life doesn't follow banking hours, and your financial needs don't fit into a one-size-fits-all solution.

At Orrstown Bank, we believe your bank should adapt to the way you live—not expect you to adapt to the way it operates.

Whether you're opening your first account, managing a busy household, or looking for a deeper banking relationship, you'll find checking options designed to make banking easier, more convenient, and more personal.

Checking Accounts Designed Around You

No two lives are the same. That's why we offer four checking account options designed to support different goals, priorities, and banking needs.

Checking account with interest rates icon

Momentum
Checking

Life Doesn't Stand Still

Designed for busy schedules and everyday banking needs.

Apply Now

Interest
Checking

Make More of Everyday Banking

Designed for clients looking to earn interest while managing their everyday banking needs.

Apply Now

Relationship
Checking

You're More Than an Account Number

Designed for clients who value personal connections and tailored banking support.

Apply Now

Growth
Checking

Your Goals Matter

Designed to support your next steps with financial literacy resources and everyday banking tools.

Find a Branch to Get Started

Why People Choose Orrstown Bank

Banking on Your Schedule.

Manage your money when it's convenient for you—not when it's convenient for your bank. Access your accounts anytime with:

Secure Online Banking
Mobile Banking
Mobile Deposit
Digital Wallet Compatibility
Bill Pay
Account Alerts
e-Statements

Support When You Need It.

Digital tools are great—until you need a real person. That's why Orrstown Bank combines modern convenience with local bankers who know your community and are ready to help when questions arise

Compare Personal Checking Accounts

Scroll to the left to view the rest of the table.

	Momentum Checking	Interest Checking	Relationship Checking	Growth Checking
Access funds via Debit Card
Fraud Protection
Earns Interest		View all rates	View all rates
Free Mobile Deposit
Free Online Bill Pay
Free 3" x 5" Safe Deposit Box			Or up to $30 annual discount toward a larger safe deposit box
1 Box of Basic Checks ²	1 Box of Basic Checks per Year if primary account owner is 50 years old or over	First order of Basic Checks at no cost	1 Box of Basic Checks per Year	No checks can be issued from the account for any reason
Non-Orrstown Bank ATM Fee Reimbursements per statement cycle (Orrstown Bank ATMs free for Orrstown clients)	2 non-Orrstown Bank ATM reimbursements if account requirements met Other foreign ATM surcharges may Apply¹	2 non-Orrstown Bank ATM reimbursements if account requirements met Other foreign ATM surcharges may Apply¹	4 non-Orrstown Bank ATM reimbursements if account requirements met Other foreign ATM surcharges may Apply¹
Monthly Service Charge	$0	$10 if account requirements not met	$15 if account requirements not met	$5
Paper Statement Fee	e-Statement enrollment required to avoid a $2 monthly paper statement fee Paper Statement fee is waived if primary account owner is 50 years old or over	e-Statement enrollment required to avoid a $2 monthly paper statement fee	None	e-Statement enrollment required to avoid a $2 monthly paper statement fee
Minimum Balance to Open Account	$25	$25	$500	$25
Average Daily Minimum Balance Requirement³	$0	$500	$2,500	$0
FDIC Insured⁵
Qualifiers⁴	All debit card transactions will round up to the nearest dollar and deposited into a Momentum Savings Account - Client may opt out of feature 0.10% cashback on Signature Debit Card transactions when direct deposits totaling $2,500 or more are received to the account during the statement cycle 2 foreign ATM reimbursements if account receives $2,500 total in direct deposits to the account per statement cycle	Monthly Service Charge: $10 if Average Daily Minimum Balance requirement not maintained during statement cycle OR account does not receive a total of $500 or more in cumulative direct deposits during the statement cycle 2 foreign ATM reimbursements if Average Daily Minimum Balance requirement is maintained during the statement cycle or if account receives $500 total in direct deposits to the account per statement cycle	Monthly Service Charge $15 if the account does not receive a total of $500 or more in cumulative direct deposits during the statement cycle AND one of the following conditions are not satisfied during the statement cycle: A combined average daily (Orrstown Bank checking, money market or savings account) deposit balance of $10,000 or more A combined Orrstown Bank outstanding loan balance or related commercial debt of at least $25,000 (mortgage loans serviced by Orrstown Bank included) An active financial advisory relationship with Orrstown Financial Advisors An active investment or trust relationship with Orrstown Financial Advisors 4 foreign ATM reimbursements if account receives $500 total in direct deposits to the account per statement cycle and one of the following conditions are satisfied: A combined average daily (Orrstown Bank checking, money market or savings account) deposit balance of $10,000 or more A combined Orrstown Bank outstanding loan balance or related commercial debt of at least $25,000 (mortgage loans serviced by Orrstown Bank included) An active financial advisory relationship with Orrstown Financial Advisors An active investment or trust relationship with Orrstown Financial Advisors Overdraft Protection Sweep Fee: $0 per sweep occurrence	Checkless account designed to help consumers re-establish a deposit relationship when they do not qualify for a traditional checking account Client is required to complete financial literacy certification prior to account opening
	Momentum Checking	Interest Checking	Relationship Checking	Growth Checking
	Apply Now >> (Opens in a new Window)	Apply Now >> (Opens in a new Window)	Apply Now >> (Opens in a new Window)	Find a Branch to Get Started >> (Opens in a new Window)

Included With Every Checking Account:

Bank anytime & anywhere with Online Banking and Mobile Banking. See FAQs
Transfer money between Orrstown accounts and your accounts at other US banks.
Deposit checks on an iPhone or iPad or with an Android phone. See FAQs
Set up alerts on checking activities (examples: deposits, payments).
Orrstown Bank Mastercard^® Debit Card
Pay your bills online with our free billpay service.
¹ Foreign ATM surcharges may apply. ² Fees may apply for certain other supplies or expedited service. ³ Minimum balance based on average daily balance. ⁴ Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions. ⁵ FDIC insured up to the maximum permitted by law. Open a Personal Checking Account Online If you're searching for a bank to open a checking account with, choose Orrstown Bank. It takes just a few minutes to apply for an account, and you'll receive many advantages upon approval. With Orrstown Bank, you can pay monthly bills with the click of a button, making it easy to pay each bill accurately and on time. Our checking account offers the convenience you need for your finances. . What You Need to Open an Account Are you ready to open an account with us? You'll need to have some personal information on hand before you begin, including your government-issued ID (passport, state ID, or driver's license) and U.S. Social Security number. The system will automatically log you off after 15 minutes of inactivity. Be sure to give yourself enough time to complete the entire application. How to Open a Checking Account with Orrstown Bank Stop in a branch near you or call our Client Care center at 1-888-677-7869. When you choose Orrstown Bank, you can enjoy helpful service and outstanding commitment. Plus, we offer financial education resources to help you manage your finances and reach your goals. Find A Branch Near You