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Many choices to meet your personal needs - easily and conveniently.

Everyone should have a checking account for safety and good money management. Checking account statements and check images provide an easy way to keep track of payments (especially helpful at tax time). Used properly, a well maintained checking account makes your bank one of your best credit references.

Our wide range of checking account alternatives:


A balance of $1,000 or more will eliminate a monthly service charge.


It's like having a checking account with interest or a savings account with checks. When you maintain a $1,500 (daily) minimum balance, we'll waive the monthly service fee and you'll earn interest.


A checking account for people over 50 offering a variety of banking and non-banking savings and services. Avoid a monthly fee when you maintain a minimum daily balance of $200 and earn interest when you maintain a minimum balance of $1500. You will receive your first order of personal size checks for free, a free initial consultation with our Trust and Investment Division, cash rewards and more. You can access many of your Club 50 benefits line with your new member ID # and password.Click here


No embarrassing bounced checks with this convenient overdraft protection plan for our personal checking account customers. (Upon credit approval).


For those who maintain a low balance and write only a nominal number of checks, this account keeps the monthly service charge low.


If you maintain a checking account together with a larger balance in your Orange County Trust Company Savings, or Money Market Deposit account, or Certificate of Deposit, you can obtain all the banking benefits that save time and money, including no monthly service fee, a combined monthly statement, a Visa Check Card and an installment loan discount.

You will avoid the monthly service fee on your checking account when you maintain a savings balance of $3,000, or a Money Market account balance of $5,000, or a Certificate of Deposit balance of $10,000. Just sign-up one time.


We'll keep copies of your cancelled checks, so you won't have to.


monthly with both checking and statement savings accounts.

VISA Check Card

You can receive a VISA Check Card with any Trust Company checking account, upon qualification. Instead of writing a check, use your check card anywhere Visa debit cards are accepted - around the world.

Direct Deposit

You can have your paycheck, benefit check or other payment directly deposited into your account, to be assured the money is in your account quickly and safely.

Personal Internet Banking


FREE management of your account. FREE bill payment.

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