Personal Checking & Savings Accounts

Personalized Accounts Designed to Make Managing Your Finances Easier

Our personal account options, digital banking tools, and personal service will help you better manage your money.

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Checking Accounts

Our personal checking account services offer you both ease of use and the flexibility you need.

SimplyCherokee

Perfect for individuals with simple checking account needs
key features:
  • $50 minimum opening deposit
  • $5 monthly maintenance fee
  • Direct deposit account or +10 posted CheckCard purchases avoids the monthly fee
  • No interest bearing
  • Free ATM Withdrawals*
  • Free eStatements ($5/month for paper statements)
BEST FOR:
  • Individuals who want a flexible, simple checking account

CherokeePlus

Our most comprehensive checking account
KEY FEATURES:
  • $100 minimum opening deposit
  • $10 monthly maintenance fee
  • Average balance of over $1,000 or $10,000 combined with deposits/loans avoids the monthly fee**
  • Interest bearing
  • Free ATM Withdrawals*
  • Free eStatements or paper statements
  • Free box of personalized checks (standard design) annually or $10 credit annually towards a design of your choice
  • Up to $50 discount on your first year renting a Safe Deposit Box
  • One free cashier’s check per statement cycle
BEST FOR:
  • People looking for a checking account that pays you interest and is loaded with benefits
  • Individuals who want a flexible yet comprehensive checking account

CherokeeLifestyle (50+)

Designed for people aged 50 and over who need a simple checking account that pays you interest
key features:
  • $50 minimum opening deposit
  • No monthly maintenance fee
  • Interest bearing
  • Free ATM Withdrawals*
  • Free eStatements ($5/month for paper statements)
  • One free cashier’s check per statement cycle
BEST FOR:
  • Individuals aged 50 and over who want a simple, flexible checking account
  • People looking for a checking account that pays you interest and is loaded with benefits

Savings Accounts

Our personal deposit services offer a reliable, secure way to maximize your returns and help you reach your savings goals.

High Bridge Money Market

Our highest yielding savings account with complete liquidity.
key features:
  • Variable interest on your entire balance
  • $25,000 minimum opening deposit (new money only)
  • $25,000 minimum balance requirement
  • No monthly maintenance charge ($15/month if balance falls below minimum)
  • ATM fees and access not available
  • Check access optional
BEST FOR:
  • Savers with $25,000+ who want their cash to work harder while remaining fully secure 
  • People who value insured protection and want to minimize risk while still earning interest
  • People who do not need frequent withdrawals

Money Market Investment Account

A savings account with liquidity, insured security, and easy access.
KEY FEATURES:
  • Variable interest on your entire balance
  • $2,500 minimum balance requirement
  • No monthly maintenance charge ($15/month if balance falls below minimum
  • Free ATM Fees + Access
  • Check access optional
BEST FOR:
  • Savers with $2,500 who want their cash to work harder while remaining fully secure 
  • People who value insured protection and want to minimize risk while still earning interest
  • People who value flexibility and want access to their money anytime

Money Market Account

A savings account with competitive rates and complete liquidity and insured security.
key features
  • Variable interest on your entire balance
  • $500 daily ledger balance
  • No monthly maintenance charge ($5/month if balance falls below minimum
  • Free ATM Fees + Access
  • Check access optional
BEST FOR:
  • Savers with $500+ who want competitive rates and insured protection
  • People who want the freedom to access their money whenever they need it

Certificates of Deposit

We offer a full range of certificates of deposit with a variety of yields and maturities.
key features:
  • $1,000 minimum balance required
  • No monthly maintenance charge
  • Penalties imposed for early withdrawals

Statement Savings

A flexible insured savings account with a low minimum balance, variable interest rate, and easy cash access
key features:
  • $200 minimum balance required
  • No monthly maintenance charge ($2/month if balance falls below minimum
  • ATM card available with checking account; $1 per ATM savings account withdrawal
  • No check access
BEST FOR:
  • Everyday savers who want a safe, flexible place to grow their money with easy access—without needing a large opening balance

Youth Savings

A simple, secure account to help kids and teens start building smart money habits early.
KEY FEATURES:
  • $25 minimum balance required
  • No monthly maintenance charge ($2/month if balance falls below minimum
  • No ATM or check access
BEST FOR:
  • Children and teens under 18 learning to save and manage money.

Health Savings Account

A personal savings account that allows you to save money for future healthcare costs with tax advantages.
key features
  • $0 minimum balance
  • No monthly maintenance charge
  • Earns interest
  • No ATM access
  • Check access optional with HSA Check Card
BEST FOR:
  • Individuals with a high-deductible health plan who want a tax-advantaged way to save for current and future medical expenses.

IRAs

We offer Traditional and Roth IRAs with a variety of yields and maturities.
BEST FOR:
  • Individuals earning income who want to strengthen their retirement savings (alongside or in addition to an employer or government-sponsored plan)
  • Savers who want potential tax advantages (such as tax-deductible contributions)
  • People who can leave these funds untouched until retirement age

ICS and CDARS

ICS and CDARS let you access multi-million-dollar FDIC insurance by spreading your deposits across a network of banks—while working directly with just one. Choose the option that best fits your needs for returns and access to funds, and keep your money protected and productive.

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Ready to get started?

We’re here to answer your questions and help you get started.
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why bankcherokee?

Because you’re not just an account number.

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No egos

Our priority is, and has always been, people. We’ll do whatever we can to ensure you get the service, care, and expertise you need.
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Integrity & transparency

As a local, family-owned business we’re able to make clear, transparent lending decisions quickly for our clients.
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We got you

We love building long-term relationships with our clients that go beyond interest rates and balance sheets.
Digital Banking Tools

Banking anytime, anywhere.

Our digital banking tools work seamlessly for desktop and mobile, keeping you up-to-date with your accounts.

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Compliance & Disclosures
  1. Transaction is defined as a check, ATM/ACH withdrawal, check card transaction, transfer, deposit ticket and each item included within the deposit.
  2. Subject to approval.
  3. Earnings Credit: A non-cash credit to your checking account that is an offset against your service charges.
  4. Uncollected funds charge: The portion of the deposit not yet collected. If a negative collected balance occurs during the statement period, it will be charged interest at 4% + prime as published daily in the Wall Street Journal.