Skip navigation

Personal Checking

Open an Account Quickly and Easily

Woman on tablet in the kitchen
Choose The Right Checking Account For You
Are you 50 years of age or older?

All the extras you need...

We make it easy to manage your money on your terms. No matter which option you choose, all Happy checking accounts offer:

 

Convenient Online & Mobile Banking

Instant Issue Debit Card

Electronic Statements Available

Which account is right for you?

Scroll through our different checking accounts below and open an account today!

We are pleased to bring you a new Online Account Opening experience in the near future. In the interim, the existing system will be unavailable. Please visit the nearest bank branch to open accounts during this implementation window. We apologize for any inconvenience this may cause and look forward to offering you an improved experience moving forward.

Freedom Checking

 

An account which requires eStatements.

  • $100 minimum amount to open
  • $5 monthly service charge (waived with eStatements)
  • No daily minimum balance requirement
Visit Branch to Open

Star Rate Checking

Use this account type over a savings account to give yourself unlimited transactions while still earning interest.

  • $100 minimum deposit to open
  • $10 monthly service charge if balance falls below $500 on any day during the statement cycle
  • $500 minimum daily balance
  • Tiered interest
Visit Branch to Open

Club Checking

Want benefits with your account? Join the Club!

  • $100 minimum deposit to open
  • No minimum daily balance requirement
  • $6.95 monthly service charge
Visit Branch to Open

Diamond Checking

Account designed for customers age 50 & over.

  • $100 minimum deposit to open
  • No minimum daily balance requirement
  • No monthly service charge
  • Earn Interest
Visit Branch to Open

Opportunity 100 Checking

An account for those who are working to re-establish a strong financial reputation. Eligibility requirements apply.

  • $100 minimum deposit to open
  • No minimum daily balance requirement
  • $9.95 monthly service charge with direct deposit OR $12.95 without direct deposit
Visit Branch to Open

Simply 100 Checking

A checkless account, designed for customers that prefer a set monthly fee and bank electronically.

  • $25 minimum deposit to open
  • No minimum daily balance requirement
  • $4.95 monthly service charge
Visit Branch to Open

Also available for Teachers and Government employees

VIP Student Checking

  • $100 minimum deposit to open
  • No minimum daily balance requirement
  • No monthly service charge
Visit Branch to Open

Savings that make you smile.

At Happy, we make it quick and easy to open an account, so you can start saving for you and your family's future right away.
Rural family picking tomatoes in garden