personal banking

Your Goals Are One of a Kind. Your Bank Should Be Too. 

Every journey is unique. Take control of it with a team that understands your financial goals.

Partner with us

we treat your success like it's our own

We combine secure technology with service that feels personal. Because to us, it is.

checking

We make checking simple, secure, and tailored to your needs. Because the right bank doesn’t just hold your money — it helps you make the most of it.

premier interest checking

An account for those interested in higher interest.


FREE
standard wallet checks
Higher interest rate with a balance of $2,500 or more
Competitive interest if balance falls below $2,500
Only $10 monthly charge if minimum balance falls below $2,500

Minimum $50 opening deposit required. The *APY for Premier Interest Checking is 0.05% for balances below $2,500 and 0.10% for balances over $2,500. Other restrictions may apply.

50 advantage interest checking

A perfect account for customers 50 and better.


FREE
 Standard Wallet Checks
Competitive interest
No minimum balance
No monthly service charge  

Minimum $50 opening deposit required. The *APY for 50 Advantage Interest Checking is 0.10%. Other restrictions may apply. At least one owner must be at least 50 years of age. Other restrictions may apply.

direct interest checking

Earn interest with the convenience of direct deposit or any automatic payment.


Competitive interest
No minimum balance
No monthly service charge

Minimum $50 opening deposit required. The *APY for Direct Interest Checking is 0.10%. Other restrictions may apply. Requires at least one ACH-Incoming or Outgoing (i.e., direct deposit or automatic payment).

prism free checking

A FREE Account for anyone.


No minimum balance
No monthly service charge

Minimum $50 opening deposit required. Other restrictions may apply.

†Upon qualification
Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply.
See fee schedule for details.
Activity Qualifications & Rate Information: *APY = Annual Percentage Yield – Rates and promotional offers are subject to change or cancellation at any time. Fees may reduce earnings. Rates valid as of 04/01/2026.

savings

Every dollar you save is a step toward something bigger. We’re here to protect it, grow it, and give you trusted advice along the way.

prism personal savings

Save for life’s little emergencies with our traditional savings account.


Minimum Opening Deposit: $50
Monthly Service Charge***: $5.00
0.90% APY*
1.16% APY On Minor Accounts (Ages 18 And Below)*
Monthly Service Charge Waived On Minor Accounts

prism money market

The more you save, the more you earn.


Minimum Opening Deposit: $50
Monthly Service Charge**: $10

*APY Rates:
$2500 to $24,999.00 = 1.00%
$25,000 to $99,999.99 = 1.40%
$100,000 to $249,999.99 = 1.81%
$250,000 to $499,999.99 = 2.25%$
500,000 + = 2.76%

certificate of deposit (CDs)

Make your hard-earned money work harder. We offer a variety of CD specials and term options. Contact us to learn about current rates and find the right fit for your savings goals.

†Upon qualification
*APY = Annual Percentage Yield. Rates may change after account is opened, subject to management’s discretion. Fees may reduce earnings. A minimum balance of $2,500 is required to receive the APY on money market accounts. Yield valid as of 04/01/2026.
**Waived with minimum average daily balance of $2,500 each statement cycle
***Waived with minimum average daily balance of $100 each statement cycle

private client

Sophisticated banking should feel simple. Our Private Bankers deliver concierge service and boutique solutions customized for your personal and business needs.
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Commercial Real Estate Loans

Term business loans

Business Lending

Operating line of credit loans

Whether you're eyeing something brand new or finding the perfect pre-owned ride, we'll get you there with competitive rates and flexible terms. When you pay automatically from your Prism checking account, you'll enjoy an even better rate — because we believe loyalty should come with perks.

Commercial Real Estate Loans

Term business loans

Business Lending

Operating line of credit loans

Finding the right home is personal, and so is the way you finance it. We make sure your home loan fits your life, not just your budget. Take advantage of our competitive rates, flexible terms, and local bankers who work face-to-face to get you across the finish line. 

Commercial Real Estate Loans

Term business loans

Business Lending

Operating line of credit loans

Your next adventure deserves the right financing. We offer competitive rates on boats and recreational vehicles. Plus, you can earn added discounts when you pay automatically from your Prism checking account. We’ll take care of the details, so you can focus on living the good life. 

Commercial Real Estate Loans

Term business loans

Business Lending

Operating line of credit loans

Building your dream home is one of life’s biggest decisions. We'll walk by your side every step of the way. With interest-only monthly payments and bankers who work with builders and contractors, we make new construction feel a lot less complicated — and a lot more exciting.

Commercial Real Estate Loans

Term business loans

Business Lending

Operating line of credit loans

Auto Loans
Whether you're eyeing something brand new or finding the perfect pre-owned ride, we'll get you there with competitive rates and flexible terms. When you pay automatically from your Prism checking account, you'll enjoy an even better rate — because we believe loyalty should come with perks.

Commercial Real Estate Loans

Term business loans

Business Lending

Operating line of credit loans

Home Loans
Finding the right home is personal, and so is the way you finance it. We make sure your home loan fits your life, not just your budget. Take advantage of our competitive rates, flexible terms, and local bankers who work face-to-face to get you across the finish line. 
Recreational Vehicles & Boat Loans

Commercial Real Estate Loans

Term business loans

Business Lending

Operating line of credit loans

Your next adventure deserves the right financing. We offer competitive rates on boats and recreational vehicles. Plus, you can earn added discounts when you pay automatically from your Prism checking account. We’ll take care of the details, so you can focus on living the good life. 
Residential Construction Loans

Commercial Real Estate Loans

Term business loans

Business Lending

Operating line of credit loans

Building your dream home is one of life’s biggest decisions. We'll walk by your side every step of the way. With interest-only monthly payments and bankers who work with builders and contractors, we make new construction feel a lot less complicated — and a lot more exciting.
get the answers you need

Frequently Asked Questions

Great banking starts with great communication — here are some answers to the questions we hear most.

Call-in support hours
Monday through Friday —  7:00 a.m–1:00 a.m. (CST)

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