Personal Checking

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*Additional Disclosure Information

• FREEDOM CHECKING ACCOUNT ELIGIBILITY: PRIMARY ACCOUNT OWNERS MUST BE AN ACTIVE, RETIRED, HONORABLY DISCHARGED, OR
  VETERAN UNITED STATES MILITARY SERVICE MEMBER, EMS, EMT, POLICE, FIRE, PARAMEDIC, OR 911 RESPONDER AND PROVIDE PROOF OF
  SERVICE THROUGH A MILITARY OR VETERAN IDENTIFICATION CARD OR OTHER DOCUMENTATION TO QUALIFY TO OPEN AN ACCOUNT. GOFM.BANK 1-877-889-0100 **INTEREST BEARING ACCOUNTS: PLEASE CHECK OUR CURRENT RATES IN DETERMINING ACCOUNT INTEREST. FOR VARIABLE-RATE ACCOUNTS, THE RATE MAY CHANGE WITHOUT NOTICE AFTER THE ACCOUNT IS OPENED. FEES COULD REDUCE EARNINGS. VALUE ADDED BENEFITS: BENEFITS ARE AVAILABLE TO PERSONAL CHECKING ACCOUNT OWNER(S), AND THEIR JOINT ACCOUNT OWNERS SUBJECT TO THE TERMS AND CONDITIONS FOR THE APPLICABLE BENEFITS. BENEFITS ARE AVAILABLE TO NON-PUBLICLY TRADED BUSINESSES AND THEIR BUSINESS OWNER(S) LISTED ON THE ACCOUNT BUT ARE NOT AVAILABLE TO EMPLOYEES OR AUTHORIZED SIGNERS WHO ARE NOT OWNERS. BENEFITS ARE NOT AVAILABLE TO A “SIGNER” ON THE ACCOUNT WHO IS NOT AN ACCOUNT OWNER OR TO CLUBS, ORGANIZATIONS AND/OR CHURCHES AND THEIR MEMBERS, SCHOOLS AND THEIR EMPLOYEES/STUDENTS. FOR REVOCABLE GRANTOR TRUSTS, BENEFITS ARE AVAILABLE ONLY WHEN A GRANTOR IS SERVING AS A TRUSTEE AND COVERS THE GRANTOR TRUSTEE(S). FOR ALL OTHER FIDUCIARY ACCOUNTS, BENEFITS ARE AVAILABLE TO THE BENEFICIARY, WHO MUST BE THE PRIMARY MEMBER (FIDUCIARY IS NOT COVERED). CREDIT SCORE IS A VANTAGESCORE 3.0 BASED ON SINGLE BUREAU DATA. THIRD PARTIES MAY USE A DIFFERENT VANTAGESCORE OR A DIFFERENT TYPE OF CREDIT SCORE TO ASSESS YOUR CREDITWORTHINESS. ONCE YOU HAVE ACTIVATED CREDIT FILE MONITORING, YOU MAY REQUEST YOUR CREDIT SCORE. ONCE YOU HAVE DONE SO, YOU WILL HAVE ACCESS TO YOUR SCORE ON A MONTHLY BASIS. ACCOUNT HOLDERS WILL RECEIVE A REFUND OF UP TO $20 IF THEY RECEIVE AN ATM CHARGE PER STATEMENT CYCLE. SPECIAL PROGRAM NOTES: THE DESCRIPTIONS HEREIN ARE SUMMARIES ONLY AND DO NOT INCLUDE ALL TERMS, CONDITIONS AND EXCLUSIONS OF THE BENEFITS DESCRIBED. CREDIT SCORE TRACKER: ONCE CREDIT FILE MONITORING HAS BEEN ACTIVATED AND YOU HAVE REQUESTED YOUR FIRST CREDIT SCORE, YOU MAY REQUEST A NEW CREDIT SCORE EACH MONTH TO BE PLOTTED ON YOUR CREDIT SCORE TRACKER GRAPH. MONTHLY EMAIL NOTIFICATIONS WILL BE SENT TO LET YOU KNOW WHEN YOUR NEW SCORE IS AVAILABLE. INTEREST BEARING ACCOUNT/EXCLUSIVE INTEREST RATE 1.78% APY ACCURATE AS OF JUNE 15, 2026.

As a community bank, we recognize and cherish the rights and liberties that our Military Service Members have provided. The Freedom Checking Account is designed to show our respect and appreciation to all Service Members and their Families for the sacrifices made for our freedom. It is truly an honor to serve those Military Service Members who have served our Nation.

It feels like everyone there has our best interest at heart.

Gavin and Shelly Bell
The Flooring Emporium

Banking that grows with you.

Overdraft Privilege

Many of our checking products offer overdraft coverage, based upon qualification. Qualifying accounts receive a $31 fee for every overdrawn check – in addition to the overdraft amount. Each overdraft and any overdraft fee must be paid within 45 days.

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IDProtect

With this service, there’s safety in numbers. Get up to $5,000 in identity theft protection, help kits to restore your identity, coverage for lost wages as a result, access to consumer fraud specialists and valuable online resources, all for only $1.25 per month. To sign up, talk to your local branch banker.

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AD&D Insurance Coverage

Primary account holders with a personal checking account can sign up to receive up to $2,000 in complimentary Accidental Death & Dismemberment insurance coverage. Additional insurance coverage options are available for a monthly premium if selected. Sign up today to take advantage of this offer.

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