Personal Checking

Your checking account is likely the one you will use most, so we have put a great deal of thought into building account options that you will appreciate. You will enjoy the technology and convenience that you’d expect from a modern bank, combined with a personal relationship that makes banking more than a transaction.

Anywhere Banking Tools available with all checking accounts:

  • Debit card
  • Unlimited Great Oaks Bank ATM usage
  • Transfer funds between accounts or between banks
  • Direct Deposit
  • Telephone banking
  • e-statements
  • ​Online Banking with Bill Pay
  • Mobile Banking

Take a look at the great checking accounts below. It is easy to compare to see which solution is right for your life.

Red Oak Checking

Benefits you will use.

  • Anywhere Banking Tools
  • Free cashier's checks (3 Per month)
  • 1 order of personal-sized, single-page checks per year (specific styles available)1,2

Monthly fee of $8 per month with a paper statement.
Monthly fee of $6 per month with an e-statement.
Reduce the monthly fee by $.10 per qualified debit card transaction.3

* Transactions must post within the statement cycle to qualify. ATM transactions do not qualify. Credit will not exceed $6.

Live Oak Checking

We reward your relationship.

  • Anywhere Banking Tools
  • Free Cashier's Checks (3 Per month)
  • 1 order of personal-sized, single-page checks per year (specific styles available)1,2
  • Great interest on your checking balance

Monthly fee of $8 per month with a paper statement.
Monthly fee of $6 per month with an e-statement.
Maintain a $1,500 minimum balance in the account each day, and we will waive the monthly fee.

White Oak Checking

Just the basics.

  • Anywhere Banking Tools

Monthly fee of $7 per month with a paper statement.
Monthly fee of $5 per month with an e-statement.
Maintain a $250 minimum balance in the account each day, and we will waive the monthly fee.

Student Checking

For Students ages 13 to 22*.
• Anywhere Banking Tools
• No minimum balance required
• All Great Oaks Foreign ATM Fees for withdrawals or balance inquiries at a non-Great Oaks Bank ATM will be waived**.
No monthly fee with an eStatement, $5 per month with a paper statement.

*Accounts for minors ages 13 to 17 must be jointly owned with a parent/guardian over the age of 18.
**Waiver does not include any fees charged by the ATM provider.

To learn more, drop by one of our convenient locations or click here to have a customer service representative contact you.

Want to open your account through our secure, online application? Click here to access a digital account application. Once submitted, a Customer Service Representative will contact you.

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