Personal Checking

You want to have time to focus on what’s important to you and we want to help make that happen. When you have your personal checking account with Us, we do everything we can to simplify it through state of the art technology and to personalize it through creating a meaningful relationship between You and your Phantom Financial Company. We have a variety of Personal Checking Services, one that is sure to fit your lifestyle and your financial needs.

Personal Checking

This full-service account gives you convenience and flexibility. You only need $100 to open the account and it comes with a free debit card, free internet banking with bill pay, 24 hour access to your information online and on your mobile device, and a detailed monthly statement. There is no requirement to have direct deposit, although it is available for you. There are no monthly maintenance fees and no minimum balance you have to keep in your account. How simple is that!

NOW Account

For those who want even more from their checking account, we offer a personal checking account that pays you interest on your balances, making your money work for You. With this option, you will have to maintain a minimum monthly balance of $1,500 to avoid maintenance fees and per items fees on the account and you will need $1,000 to open the account. It comes with all the conveniences you expect, a free debit card, free internet banking with bill pay, 24 hour access to your information online and on your mobile device, and a detailed monthly statement while paying you a competitive rate of interest on your balances.

Senior Citizen Checking

If you are over the age of 62, we want to help make your golden years the best years of your life with a checking account that is simple and convenient and a banker that provides the personalized service you deserve. You only need $100 to open the account and it comes with a free debit card, free internet banking with bill pay, 24 hour access to your information online and on your mobile device, and a detailed monthly statement. There are no monthly maintenance fees and no minimum balance you have to keep in your account. How simple is that!

Loans and Refinancing

Conventional loans and refinancing are among the most popular home mortgage products today. Phantom offers a range of traditional 30-year Read more

Business Savings

You work hard to grow your business and when you have excess cash you want it to work hard for you. Read more

E-Banking Services

Running a business takes time and hard work, managing your banking shouldn’t. You work hard to grow your business and you need Read more

Loans & Lines of Credit

Because Your Business is our Business! As a locally owned and managed community bank, Phantom Financial Company has a team Read more

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