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Whether you are opening your first digital account or looking for a clearer everyday money tool, Mail offers personal checking-style account options designed for online use. Features, eligibility, and any applicable fees are shown during application and in your portal. Product availability depends on review and approval.

  • Essential Free Checking

    Our Essential Free Checking account features no minimum balance requirement and no monthly maintenance fees, designed to provide convenient banking without the burden of additional costs.

  • Premium Interest Checking

    Designed for customers who maintain higher account balances, this premium account offers competitive interest rates and additional benefits. Maintain a $1,500 minimum balance to waive the monthly service fee of $6.

  • Senior Advantage Checking

    Customers aged 50 and older can enjoy this specialized account that features competitive interest rates, no minimum balance requirement, and no monthly service charges, designed specifically for our senior community members.

  • Overdraft Protection Service

    Protect your checking account from unexpected overdrafts with our Overdraft Protection Service (OPS). This service helps you avoid costly merchant fees for returned checks and prevents the inconvenience of declined purchases and dishonored payments.


    When an accidental overdraft occurs, optional overdraft tools may be available depending on your account type. Terms, fees, and eligibility are disclosed in the portal before you enroll.