Personal Checking

Every variety of Personal Checking accounts, all in one place. Welcome to Eastman National Bank’s checking account options, all with included e-Statements. Choose from Interest Bearing or Non-Interest Bearing to find an account perfectly tailored to your banking needs.

Personal Checking Your Choice Checking Direct Advantage The "Works" Checking eRewards
Super Now Money Maker
Fund (HIFI)
Min. To Open $100 $100 $100 $100 $100 $1000 $2500
Debit / Atm Card $1.00 per
$1.00 per Month No Charge No Charge No Charge $1 / Month No Charge
eStatements** No Charge No Charge No Charge Included No Charge No Charge No Charge
Paper Statements** $5.00 / Month if Requested No Charge No Charge No Charge Not Provided No Charge No Charge
Min. Balance Req. For APY None None None $0.01 None $1000 $1000
Monthly Service Charge None None $10 / Month None $10 / Month If balance falls below $100 $8 / Month If balance falls below $1000

$8 / Month

If ballance falls below $1000.

$10 excessive withdrawl fee*

Interest Bearing No No No
Upon Qualification*


Tiered Interest Rate Offered
Other Acct. Benefits** Choose either paper
or electronic
--- --- Complimentary
First Box of
No Charge for
Money Orders &
Cashier Checks
Bonus Interest Rate Upon Qualification*
ATM Refunds Up to $20/statement Cycle

Avalable to age 55 and above


50% Discount on Money Orders &
Cashier Checks

--- ---


* Qualifications for the Bonus Intererst Rate Include:

  • A min. of 10 debit card purchases per statement cycle
  • Enroll and receive eStatements
  • Set up at least one recurring ACH transaction

+Please refer to Truth in Savings Disclosure for fees and tiered interest requirements

For additional terms and conditions, see the Truth in Savings Disclosure.

Personal Savings

Save money AND earn interest! A Personal Savings account with Eastman National Bank offers affordable charges, compounded interest rates, and many other account benefits. In addition to our four Personal Savings accounts, we also offer Money Markets, Certificates of Deposit, IRAs, and CDARS/ICS savings accounts.

Personal Savings
Savings (HSA)
Min. To Open $100 None $10 $100
eStatements* No Charge
No Charge No No
No Charge
No Charge No No
Min. Balance
Req. For APY
$10 $1 $10 $10
Service Charge $5 / Qtr.If falls below $100 $25 Annual Fee --- Waived for Minors
Withdrawls 6 / Quarter$10 fee for each withdrawal  in excess of 6 --- No Withdrawals Allowed 6 / Qtr$10 fee past 6
Interest* Choose either paper
or electronic
Compound Credited Quarterly Compound Credited Monthly

Compound Monthly

Credited Annually

Check mailed week of Thanksgiving

Compound Credited Quarterly


Six reasons to save:
  • Save money for an emergency. An emergency fund is arguably the most important reason to save money. 

  • Save money for College.

  • Save money for a house.

  • Save money for travel.

  • Save money for financial freedom.

  • Save money for retirement.

Investment Accounts

Money maker fund

The higher your balance the higher rate of interest paid! This tiered interest-bearing account is ideal for individuals who only write a few checks each month.

  • A minimum opening deposit of $2,500 is required
  • Variable Interest Rate paid for balances $1000 and greater
  • $8 monthly service charge if balance falls below $1000
  • Interest compounded & credited monthly

You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited. $10 fee for each debit over 6 per statement cycle

An excessive withdrawal fee of $10 will be charged per transaction if withdrawals from the account exceed six per month.

  • Internet banking access available
  • Telephone banking access available
  • VISA Debit Card or ATM Card available


Looking for a way to keep large deposits safe? Ask us about CDARS®. It's a great solution for: businesses * nonprofit organizations * public funds managers * trustees * financial advisors * individuals * credit unions * IRAs

With CDARS, you can receive up to $50 million in FDIC protection through CDARS Network member banks. There are few guarantees in life - FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you or your business.

It's one-stop shopping. With help from CDARS, you can access:

  • Safety - Your money can receive up to $50 million in FDIC insurance coverage.
  • Convenience - You work directly with us. You earn one interest rate and receive one regular statement. Individual investors receive one year-end tax form.
  • Community Investment - The full value of your money can support lending opportunities in your local community.
  • CD-Level Rates - Your money earns CD-level returns which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts, and money market funds.

Click here for more information about CDARS.

Certificates of Deposit

Enjoy competitive rates and the security of an FDIC Insured Certificate of Deposit.

  • Available in terms of 7 days to 5 years
  • Minimum Deposit of $1,000 to open
  • Interest payment options available
  • Convenient Automatic Renewal

If you would like information about current investment rates please call 580-718-9990.


IRAs are a great way to save for your retirement years and possibly lower your taxes! Consider our Traditional or Roth IRAs.

Funds deposited into variable rate ENB Certificates of Deposit.


  • Contributions may be deductible and earnings are tax deferred
  • Withdrawals may begin at 59 1/2 and minimum distributions are mandatory at 70 1/2
  • No minimum age is required as long as individual has earned income and is filing a tax return
  • No set up or administration fees


  • Earnings are tax free as long as 5 year waiting period is satisfied and qualifying
  • distribution rules have been met
  • Non-deductible contributions
  • Withdrawals may begin at age 59 1/2
  • No maximum age to open or contribute. Contributions may continue after the age of 70 1/2 as long as the individual has earned income and files a tax return
  • No set up or administration fees