Personal Banking


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Earn more interest as your balance grows with this preferred rate, multi-tiered account!

Maintain liquidity and maximize the earning power of your excess balances at highly-competitive interest rates. Write up to six checks or make up to six automatic or pre-authorized withdrawals or transfers per calendar month for free. Unlimited in-person and Empire National Bank ATM withdrawals.


  • $2,500 minimum to open
  • No monthly maintenance fee with minimum average balance of $2,500*
  • Earns interest**

Additional Benefits

  • Online banking and bill paying
  • Access to ePersonal Checking and NOW accounts
  • Online account statements***

* If balance is not met, monthly maintenance fee is applied.
** Interest is forfeited for each day that the balance falls below $2,500
*** For customers who choose to have a paper statement account, the Bank offers, "Personal Money Market," which requires an average monthly checking balance of $2,500 in order to waive the $15 monthly maintenance fee.

Important Notice: Federal regulations limit Money Market Accounts to six transfers or withdrawals per month. Withdrawals or transfers in excess of these limits are subject to a fee and we may close or convert your account to a checking account for repeated or excessive violations.

Per item withdrawal fee in excess of six per month.


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