Personal Checking

Welcome checking conveniences without tacking on unwelcomed fees. Personal Checking from Bank of Cooperstown offers all the convenience you need, including unlimited free checking, free online banking, mobile banking, and eStatements — plus, 4 non-bank owned ATM fee reimbursements per month.
 
At the same time, steer clear from what you could do without — monthly fees. Checking that's personalized to your needs — sign up for free Personal Checking today.
 

Simplified checking solution

 

Compare Accounts

Personal Checking
 
Everything you could ask for in a checking account- FREE, simple checking with unlimited privileges and FREE electronic services.
 
  • No minimum deposit to open
  • No monthly fees
  • FREE mobile and online banking, bill pay, e-Statements, and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Apple Pay capability for iPhone users 

Simply Smart
e-Checking
 
A checking account designed for those who prefer to do their  banking on-the-go.
 
  • No minimum deposit to open
  • No monthly fees
  • FREE mobile app- deposit checks, transfer funds, bill pay, send money and more, all on the go
  • 6 monthly refunds on ATM fees nationwide
  • Earn interest on your balance
  • Apple Pay capability for iPhone users

Personal Interest Checking
 
Pursue more of your personal interests and earn competitive interest on every dollar in your account.  
 
  • $100 minimum deposit to open
  • Maintain $1,000 average monthly balance to avoid $10 monthly service charge
  • FREE mobile and online banking, bill pay, e-Statements, and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide
  • Apple Pay capability for iPhone users

Relationship Reward Interest Checking
 
Capitalize on your balance with our highest checking interest rates.
 
  • $1,000 minimum deposit to open
  • Maintain $25,000 combined average minimum balance across checking, savings and time deposits
  • FREE mobile and online banking, bill pay, e-Statements, and VISA debit card with secure EMV chip
  • 4 monthly refunds on ATM fees nationwide 
  • Apple pay capability for iPhone users