Checking Accounts Savings Accounts Investment Accounts Personal Loans 24 Hour Banking Convenience Services Deposit Rates Loan Rates Re-order Checks Basic Checking Regular Checking NOW Checking Money Market Flagship Spirit Account Flagship Checking Account This account gives you free access to Internet Banking (View and Bill Pay) for a minimum daily balance of $5,000.00. It can be grouped with a Regular or Statement Savings Account to achieve a combined minimum balance of $5,000.00 as long as the signers on both accounts are identical. It can not be grouped with a Money Market, a NOW Account, or a CD. The ATM owner may charge a separate fee (US transactions only). If the account balance falls below $5,000.00 during the statement cycle, a charge of $15.00 will be assessed. Member FDIC Equal Housing Lender