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Personal Checking

Open an Account in Under 5 Minutes

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 include:

Free Online & Mobile Banking

Free Debit Mastercard®

Free Electronic Statements

Which account is right for you?


Happy Checking

Our most popular account for customers who want just the basics with no ongoing minimum balance requirements.

  • $100 minimum deposit to open
  • No monthly maintenance fee
  • No monthly minimum balance requirement
  • Ask your banker about overdraft services
Open Now

Interest Checking

Let us make money for you! For customers who want to earn interest on their higher monthly balances.

  • $500 minimum deposit to open
  • Keep $2,500 minimum daily balance to avoid $12 monthly fee
  • Tiered interest credited monthly
  • Free first box of checks
  • Ask your banker about overdraft services
Open Now

Savings that make you smile.

At Happy, it takes less than five minutes to open an account, so you can start saving for you and your family's future right away.
Rural family picking tomatoes in garden