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Essentials Club Checking

Essentials Club Checking

We’ve packaged valuable services that can benefit you and your family into this—our most popular, checking account!  Savings, security and protection … all for you!

  • $100 minimum opening balance
  • $500 Bounce Protection®
  • Free eStatement or paper statement with images
  • Unlimited online BillPay
  • Age 60+, receives 1 free box “BoG custom checks” per year
  • $10,000 Accidental Death & Dismemberment Insurance *
  • Identity Theft 911™ - Lifestages **
  • Cellular Telephone Protection ***
  • Roadside Assistance ****
  • Interest on daily balance of $1,000+ (paid on daily balance)
  • $8 monthly service fee.  With direct deposit, fee is reduced to $7.00.

$10,000 Accidental Death & Dismemberment Insurance *

Coverage is provided immediately at no additional charge.  Coverage is split equally between all authorized signers as indicated on the account opening signature card.  Coverage includes several additional benefits related to accidental deaths or dismemberment such as coma, rehabilitation, and seat belt & airbag benefits.  Other details are in the description of coverage.  The purchase of Accidental Death and Dismemberment Insurance is not a deposit of the Bank, not FDIC Insured, not insured by any federal government agency and is not guaranteed by the Bank and may go down in value.

 Identity Theft 911™ - Lifestages **

If you become a victim of identity theft, call the toll free number and you will be assigned to a highly qualified fraud specialist who is your single source to help you resolve your problem from start to finish.  You save time, avoid frustration and get your problem corrected with the unlimited, one-on-one help of an expert.  Call the toll free number and provide the member ID number.  Don’t wait, call for advice before you become a victim and go to the member benefit website for valuable news and resources, helping you learn how to stand up against identity theft.

 Cellular Telephone Protection ***

Automatic Coverage & No Separate Enrollment

This service will reimburse the enrolled accountholder for the damage to or theft of eligible Cellular Wireless Telephones up to $250.00 per claim.  Coverage is subject to a fifty-dollar ($50.00) co-payment per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $250.00 per claim and $500.00 per twelve (12) month period.  You must charge your monthly Cellular Wireless Telephone bill to your Easy Checking account.  Lease and pay as you go plans are excluded.  Other details in the Guide to Benefit.

 Roadside Assistance ****

Whenever you travel, you’ll like the secure feeling that you are protected by the Nation Safe Drivers Auto Club.  NSD provides real peace-of-mind with the best service and protection available anywhere.  24-hours a day and 7 days a week coverage includes towing up to 15 miles, roadside assistance, delivery of supplies, tire service, battery service, and lockout service.  Accountholder and spouse are both covered on a joint account!  Nation Safe Drivers may operate in various states as Nation Motor Club, LLC or Nation Safe Drivers Services, Inc.