Our REGULAR CHECKING account promises the convenience you want and the flexibility you need. Minimum opening balance: None Minimum balance: None Monthly service charge: None Per check charge: None Interest-bearing: Yes. Dividends are paid on all balances of $150 or higher. Dividends: Dividends are calculated on an average daily balance. Rates are set by the Board of Directors each quarter. Dividends are compounded and paid monthly. Refer to your Rate Schedule for the current interest rate. If a member closes his account before the end of the month, he will not receive accrued dividends. Open a Checking Account now.