Banking Accounts for Every Need
From everyday checking to goal-based savings, find the perfect account to help you manage and grow your money.
Our Account Options
Choose from our range of carefully designed accounts that fit your lifestyle and financial goals.
Checking Accounts
Basic Checking
Simple, no-frills checking with no minimum balance and low monthly fees.
- No minimum balance requirement
- Free online and mobile banking
- Contactless debit card included
Monthly Fee: $3.00
Open AccountPremium Checking
Full-featured checking with attractive interest rates and premium perks.
- 0.10% APY on all balances
- ATM fee reimbursements
- Free checks and money orders
- Overdraft protection available
Monthly Fee: $8.00 (waived with $1,500 balance)
Open AccountStudent Checking
Designed for students with no fees until graduation and special benefits.
- No monthly fees for students
- First 4 ATM fees refunded monthly
- Budgeting tools & financial education
Monthly Fee: $0.00 (with valid student ID)
Open AccountSavings Accounts
Standard Savings
Basic savings account to start building your financial future.
0.50% APY
Variable interest rate
- $100 minimum opening deposit
- FDIC insured up to $250,000
- Automatic savings options
High-Yield Savings
Maximize your savings with our highest interest rate account.
1.75% APY
Variable interest rate
- $1,000 minimum opening deposit
- FDIC insured up to $250,000
- No monthly fees with $1,000 balance
Goal-Based Savings
Create multiple savings buckets for specific goals like vacation or emergencies.
0.75% APY
Variable interest rate
- No minimum balance
- Create up to 10 savings goals
- Goal progress tracking
Certificates of Deposit (CDs)
Earn higher interest rates with our range of CDs. Lock in your rate for a fixed term and watch your money grow.
| Term | APY | Minimum Deposit | Early Withdrawal | |
|---|---|---|---|---|
| 6 Month | 2.25% APY | $1,000 | 90 days interest | Open CD |
| 12 Month | 2.50% APY | $1,000 | 180 days interest | Open CD |
| 24 Month | 2.75% APY | $1,000 | 270 days interest | Open CD |
| 36 Month | 3.00% APY | $1,000 | 365 days interest | Open CD |
| 60 Month | 3.25% APY | $1,000 | 365 days interest | Open CD |
APY = Annual Percentage Yield. Rates effective as of June 1, 2023. Rates subject to change without notice.
Financial Calculators
Use our interactive tools to help plan your financial future and achieve your goals.
Savings Goal Calculator
Find out how much you need to save regularly to reach your target amount.
Monthly Deposit Needed:
$---.--
Budget Planner
Create a personal budget to track your income and expenses.
Monthly Expenses
Remaining for Savings/Investments:
$---.--
Account Benefits
All Trust Paycon accounts come with these powerful features to help you manage your money better.
Mobile Banking
Access your accounts anytime, anywhere with our secure mobile app.
Alerts & Notifications
Stay informed with customizable alerts for transactions, balances, and more.
Fraud Protection
24/7 monitoring and zero liability protection for unauthorized transactions.
Financial Insights
Track spending patterns and get personalized recommendations to improve your finances.
Ready to open an account?
Start your financial journey with Trust Paycon today. Open an account in minutes.
Frequently Asked Questions
Find answers to common questions about our banking accounts.
How do I open an account online?
You can open an account online by clicking the "Open an Account" button and following the simple application process. You'll need your ID, Social Security number, and an initial deposit.
Are my deposits insured?
Yes, all Trust Paycon deposits are FDIC insured up to $250,000 per depositor, per ownership category.
Can I link multiple accounts together?
Yes, you can link your checking, savings, and other accounts for easy transfers and unified management through online and mobile banking.
How do I set up direct deposit?
Once your account is open, you can set up direct deposit by providing your employer with a direct deposit form available in online banking or at any branch.
What's the difference between APY and interest rate?
APY (Annual Percentage Yield) includes the effect of compounding interest, while the interest rate is the simple percentage rate paid on an account before compounding.