FIND THE RIGHT Checking ACCOUNT

Personal Checking Accounts

Find the best checking account that to meet your lifestyle. At Orrstown Bank, we offer a range of checking and savings solutions to help meet your financial needs. Whether you're looking for a no monthly fee checking account or a high yield checking account with additional benefits, we have options for you. Compare the features below for the types of checking accounts we offer and choose the one that works best for you.

Growth
Checking

A checkless account designed for those who don't qualify for a standard checking account.

Get Started

Checking account with interest rates icon

Momentum
Checking

No Average Daily Balance Requirement³ and no monthly service charge. Plus you can earn cash back when monthly direct deposits total $2,500 in a statement cycle.

Get Started

Interest
Checking

We'll pay you interest and reimburse you for 2 non-Orrstown ATM transactions each month².

Get Started

Relationship
Checking

We're pretty happy about our relationship with you, and we'll show you with an account full of perks.

Get Started

Compare Personal Checking Accounts

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

	Growth Checking	Momentum Checking	Interest Checking	Relationship 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	No checks can be issued from the account for any reason	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
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	$5	$0	$10 if account requirements not met	$15 if account requirements not met
Paper Statement Fee	e-Statement enrollment required to avoid a $2 monthly 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
Minimum Balance to Open Account	$25	$25	$25	$500
Average Daily Minimum Balance Requirement³	$0	$0	$500	$2,500
FDIC Insured⁵
Qualifiers⁴	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	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
	Growth Checking	Momentum Checking	Interest Checking	Relationship Checking
	Get Started >>	Get Started >> (Opens in a new Window)	Get Started >> (Opens in a new Window)	Get Started >> (Opens in a new Window)

Orrstown Checking Accounts Offer These Features:

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).
Debit Card for everyday purchases.
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 customer service center at 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 Location