Managing your money can be a difficult task if you don’t know where to start. Between interest rates, fees, rewards, and minimum balances, it can be difficult to understand your options and decide what type of account to open. At Bank 34, we offer a variety of personal checking and savings accounts because we know there is no ‘one size fits all’ when it comes to managing your finances. The different account options available means you get to select an account that works for you and your financial goals. Read on to learn more about each of our account offerings at Bank 34 so we can help you make an informed decision and feel confident in banking with us.

Checking Accounts

A checking account is a type of financial account you can choose that gives you access to your funds at all times. Some of the benefits of a checking account include:

Bank 34 offers several types of checking accounts to accommodate all of your financial needs.

Personal Checking

Personal Checking accounts are Bank 34’s simplest account option offered. With no minimum average balance and no monthly service fee, a Personal Checking account is a great option for college students, first-time account owners, working professionals, and everyone in between. A Personal Checking account is a great way to get started with keeping track of your finances.

34 Checking

34 Checking is Bank 34’s unique checking account option with a low balance requirement to earn interest and avoid a monthly service fee. Interest rates may vary based on the balance you maintain in the account.

Golden Checking

Bank 34’s Golden Checking account is for clients 55 and older. This account has special benefits to older adults with no monthly service fee. To find out the specific rewards from the Golden Checking account, contact our helpful team and we can walk you through more specific information based on your finances.

Kasasa® Checking Accounts

Kasasa® is a special line of free checking accounts that allows you to choose how you get rewarded with either high rates from 1.50% APY, cash back or online shopping credits.  Bank 34’s Kasasa checking accounts pay you for banking with us. With no monthly service fee, no minimum balance, no penalties, and rewards, these checking accounts are perfect for those looking to explore an account option with no consequences and high incentives. Qualifying for incentives is easy, in fact you are likely already meeting the criteria in how you are using your current checking account.

You can compare all of the key rewards, inclusions, and qualifications for all five of the Kasasa® checking accounts on our website.

Savings Accounts

Savings accounts are a great option for those looking to manage their finances and plan ahead for future expenses. Savings accounts allow customers to deposit funds into their account at any time to build up balances.  Although there are restrictions on number of withdrawals, it has transfer facilities but cannot be overdrawn like a checking account.  So, whether you are saving for college, a new home, or emergency funds, a savings account is a secure and accessible option to prepare for the future.

Personal Savings

A Personal Savings account is the perfect option to save money while earning interest. The monthly service fee for a Personal Savings account is only $5.  However, keeping the minimum average daily balance of $100, that service fee can be waived.

Piggy Bank Savings

A Piggy Bank Savings account is the perfect way for children under 18 years old to get a jump start on their savings. This savings account requires no minimum balance, earns a nominal interest rate, and has no monthly service fee, which means children can begin putting away as little or as much money as they can- as long as they just get started. Opening a savings account during youth can help children learn valuable lessons on the importance of saving and managing their finances.

Personal Private Money Market

If you are looking to earn a higher interest rate than a savings account and still have some check writing ability, a money market account may be the best option for you.  Also, like savings accounts, there are restrictions on number of withdrawals, but this type of account has transfer allowances as well.   More importantly, like all checking and savings accounts, money market accounts are protected against losses by the FDIC which makes them a very safe option for your money. With our Personal Private Money Market account, the monthly service fee is $15 but this can be waived with a minimum average balance of $1000.  This account allows you to still have some cash on hand, ability for limited check writing, but earns premium interest rates compared to savings accounts.


Stand Independent with Bank 34

By choosing to save with a community bank, like Bank 34, you get personalized support and stability to help manage your finances with confidence.

No matter what type of account you decide is best to manage your finances, Bank 34 is here to help. With our mobile and e-banking options, you can access your accounts 24/7 and have the support of our professional banking team.

By tailoring financial products to fit your lifestyle, we can help you manage your money the way you want to—when you want to. At Bank 34, we make sure that our personal and authentic way of doing business continues to provide our customers with the best products and services available. If you are interested in opening an account or would like more information, contact us today!


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