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Personal Checking

Open an Account Quickly and Easily

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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!

Freedom Checking

An account which requires eStatements.

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