Personal Checking Accounts

The Bank of Cave City has a checking account to fit your needs, no matter how you prefer to bank. Our Elite account offers many extras including identity theft services, accidental death and dismemberment insurance, shopping discounts, and a cash back rewards program. If you are only looking for essential banking services, our Basic or Classic accounts might be a better fit for you. To put your money to work for you and earn interest an Acquire account would be perfect. We also offer a Venture account for customers who are age 55 or over.  All our checking accounts include the FREE services you need to do your day-to-day banking – MasterCard debit card, Internet Banking, BillPay, and friendly customer service assistance. We can help you find the checking account that's right for you.

Basic Checking

If your idea of a perfect checking account is no service fee, internet banking, and a debit card, then our Basic Account is just what you need.

  • $50 minimum opening deposit
  • Free MasterCard debit card
  • Free Internet banking
  • Free BillPay
  • E-statements required
  • No minimum balance requirement
  • No monthly service fee

Classic Checking

If you're looking for a basic checking account and require mailed paper statements for your banking needs, then our Classic Account may be just what you have in mind.

  • $100 minimum opening deposit
  • Free MasterCard debit card
  • Free Internet banking
  • Free BillPay
  • Free imaged statements
  • No monthly service fee*

*No service fee if a $500 balance or more is maintained each day of the monthly statement cycle.  A $6 fee will apply if balance falls below $500 any day in the monthly statement cycle.

Elite Checking

Our Elite Account is more than just a checking account.  This enhanced account comes with extras such as identity theft prevention services, $20,000 accidental death and dismemberment insurance, and other great benefits.  Ask us for more details about the features of this account.

  • $100 minimum opening deposit
  • Free MasterCard debit card
  • Free Internet Banking
  • Free BillPay
  • Free imaged statements
  • Free cashier’s checks
  • $20,000 AD&D insurance*
  • $1,000 Dependent Children AD&D insurance*
  • $100,000 licensed common carrier insurance*
  • An identity theft prevention membership
  • Savings Made Easy - coupons, discounts and cask back rewards
  • First box of basic checks free
  • No minimum balance requirement
  • $7 monthly service fee

Elite Options

If you are interested in the benefits of Elite Checking, but would also like to have the features of an Acquire or Venture account, you may receive all of the Elite benefits for an additional $7 per month.  Ask you customer service representative for details.

*Please note the following about the AD&D and Common Carrier Insurance: These insurance products are NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK, and MAY GO DOWN IN VALUE.

Acquire Checking

Our Acquire Account comes fully loaded with interest paid monthly and no fees for services such as stop payments and cashier's checks.

  • $1000 minimum opening deposit
  • Free MasterCard debit card
  • Tiered interest based on balance*
  • First box of basic checks free
  • Free imaged statements
  • Free stop payments
  • Free cashier's checks
  • No monthly service fee**

*No interest earned on balances of less than $1,000.

**No fee if a $1,000 balance or more is maintained each day of the monthly statement cycle, $10 fee if balance falls below $1,000 any day in the monthly statement cycle.

Venture Checking

Venture Checking has features designed specifically for those age 55 and over, such as free checks and no monthly fees.

  • $100 minimum opening deposit
  • Free MasterCard debit card
  • Free Internet banking
  • Free BillPay
  • Free imaged statements
  • No minimum balance requirement
  • Limited to one Venture Account per customer
  • No monthly service fee

All MasterCard debit cards are subject to approval, and we may require an account open 30 days or more before issuance.

All checking account interest rates are variable and subject to change.  Please call for current rates.