Checking Accounts

GONZO Checking Account

GONZO Checking is a new kind of checking account that rewards you with a significantly higher interest rate. Simply sign up for eStatements and make a minimum of 12 purchases 1 per statement cycle, using your Visa Debit Card to earn a higher interest rate. Earn even higher interest rates with additional bonus tiers. Bonus tiers are determined by purchase totals and number of transactions.


  • Refunds of surcharges on the first six non-First Federal ATM transactions per statement cycle (max $15/cycle)2
  • The security of using a Visa Debit Card for your purchases
  • The security of electronic statement delivery
  • Using fewer checks lowers the expense of buying checks
  • Get cash back when making normal purchases and avoid a trip to the ATM
  • Still earn the No-Fee Interest Checking rate if you cannot meet the minimum level of transactions

No Fee Interest Checking

This checking account is designed for individuals who want to simplify their banking experience.


  • No minimum deposit to open
  • No minimum balance to earn interest
  • No monthly service charge

With a No Fee Interest Checking account, you also receive FREE notary service and unlimited check writing.

First Class Checking

The First Class Checking account is for those individuals who want a little more for their money. The features on this account are endless! First Class Checking accounts require a $200 minimum deposit to open and a $100 minimum balance to earn interest. There is no monthly service charge if you maintain a balance of at least $500 and are over the age of 50.


  • FREE specialty checks
  • FREE imaged checks
  • FREE notary service

High Yield Checking

The High Yield Checking account is for those individuals wanting to earn interest on their deposits while keeping them liquid. There is a $2,500 minimum deposit to open and a $10 monthly service charge if the account balance falls below $2,500. The High Yield Checking account has several tiers to help you earn more!


  • First 25 checks are FREE
  • Imaged statements
  • FREE notary service
  • Unlimited check writing

New Start Checking

The New Start Checking Account is for those individuals who have been reported to Chexsystems. It offers the customer a “second chance” at maintaining a checking account. After being opened for a period of one year, this account is potentially eligible to convert to another type of checking account. OOPS! is not available on New Start Checking.


  • $25 Minimum to Open
  • No minimum balance required
  • Just a $5 monthly fee on the account

1ATM transactions do not count towards the total.
2You will forfeit ATM surcharge refunds if the minimum 12 transactions are not met during the statement cycle.


Deposit Operations Support strives to provide you with exceptional customer service.  We are available 8:00 am to 5:00 pm CST Monday through Friday (excluding bank holidays) to assist with inquiries and requests regarding these products.


Please contact us by calling 812-492-8200 or via email at

Lost/Stolen ATM Card

Please contact us Monday through Friday from 8:00 AM CST to 5:00 PM CST at (812) 492-8123, if your ATM or Visa Debit card is lost or stolen. After normal business hours, call (800) 554-8969.