Personal Checking

Simplify by getting what you want. Choose from a range of packages and checking options that fit what you're all about. If you can't decide what you need, call us at 336-644-9944. It's why we're here..

Totally Free Checking Oak Leaf Elite Banking Gold Leaf Checking Apply for a Checking Account Compare Checking Accounts Great Checking Account Tools to Simplify Your Busy Life Bank of Oak Ridge VisaŽ Checkcard Overdraft Privilege Evergreen Access Overdraft Protection Online Banking 24 Hour Telephone Banking Online Bill Payment Totally Free Checking Looking for a checking account for your basic needs? Totally Free Checking is the account for you. THIS IS WHAT YOU GET Unlimited check writing with no per check fees Six Day Branch Banking and extended branch and drive-thru hours FREE Bank of Oak Ridge Internet banking FREE VISA Check/ATM Card* credit or point-of-sale transactions FREE Bill payment FREE VISA Check/ATM Card* credit or point-of-sale transactions FREE acces to Bank of Oak Ridge Visa Rewards* Three FREE foreign ATM transactions per month** FREE unlimited use of Bank of Oak Ridge owned 24 hour ATMs Overdraft Privilege* or Evergreen Access Overdraft Protection* FREE use of our fun Coin Counter All with no minimum balances and no monthly service charges! Return to the top of the Page Compare Checking Accounts Oak Leaf Elite Banking Oak Leaf Elite Banking is one of our most popular accounts - most of our customers find it easy to avoid the low monthly service fees by maintaining the required minimum or average balances in their account. You can also avoid the monthly service fee based on loan or total checking, savings and certificate of deposit balances maintained at the Bank of Oak Ridge. THIS IS WHAT YOU GET Unlimited check writing with no per check fees Six Day Branch Banking and extended branch and drive-thru hours FREE Bank of Oak Ridge Internet banking FREE VISA Check/ATM Card* credit or point-of-sale transactions FREE UNLIMITED Online Bill Payments FREE VISA Check/ATM Card* credit or point-of-sale transactions FREE access to Bank of Oak Ridge Visa Rewards* Ten FREE foreign ATM transactions per month** FREE unlimited use of Bank of Oak Ridge owned 24 hour ATMs Overdraft Privilege* or Evergreen Access Overdraft Protection* FREE use of our fun Coin Counter FREE Traveler's Checks and Cashier's Checks FREE Notary Services FREE exclusive design checks $25 yearly discount on any size deposit box (as available) FREE standard checks To avoid monthly service charges you must maintain low minimum balances of $1,000 OR a monthly average collected balance of $4,000 in this account; OR a combined minimum balance in all deposit accounts of $3,500 OR combined outstanding balance on consumer or equity line of credit of $5,000. If the minimum balances above are not maintained on this account the monthly service charge is only $15.00 Return to the top of the Page Compare Checking Accounts Gold Leaf Banking Gold Leaf Banking is one of our most popular accounts with our customers that are 49 years or older - the perks of membership with NO monthly service fees! THIS IS WHAT YOU GET Unlimited check writing with no per check fees Six Day Branch Banking and extended branch and drive-thru hours FREE Bank of Oak Ridge Internet banking FREE VISA Check/ATM Card* credit or point-of-sale transactions FREE Bill payment FREE VISA Check/ATM Card* credit or point-of-sale transactions FREE access to Bank of Oak Ridge Visa Rewards* Ten FREE foreign ATM transactions per month** Three FREE foreign ATM transactions per month** FREE unlimited use of Bank of Oak Ridge owned 24 hour ATMs Overdraft Privilege* or Evergreen Access Overdraft Protection* FREE use of our fun Coin Counter FREE Traveler's Checks and Cashier's Checks FREE Notary Services FREE exclusive design checks FREE UNLIMITED Online Bill Payments $25 yearly discount on any size deposit box (as available) FREE standard checks No monthly service fees! Return to the top of the Page Compare Checking Accounts Equal Housing Lender - Member FDIC Privacy and Security