Committed to Our Communities

Personal Checking



  Spirit
Checking
Interest
Checking
50+ Platinum
Checking 
Student 
Checking
Investment
Checking
Amount Required to
Open Account
$100 $1,000 $5,000 + Requires at least one monthly direct deposit $50 $50,000
Account Description If you want low-cost with lots of benfits, choose this account! If earning interest on your balance is important, Interest Checking is the account for you. If your 50 or older, you qualify for this interest-earning, benefit-packed account. Students with a valid student ID can enjoy a checking account with the benefits you need! If you're comfortable maintaining a higher balance and want to earrn more interest, choose this unique account!
Minimum Daily Balance Required
for No Minimum Balance Fee
None $1,000 $5,000 None $1,000
Minimum Balance Fee None $6.00 + $.20 per debit item fee if daily balance falls below $1,000 $6.00 + $.20 per debit item fee if daily balance falls below $5,000 None $6.00 + $.20 per debit item fee if daily balance falls below $1,000
Interest Paid No Yes, $1,000 Minimum Daily Balance Yes, $5,000 Minimum Daily Balance No Yes, $50,000 Minimum Daily Balance
Special Features
  • Unlimited check writing
  • Free Internet Banking/Bill Pay*
  • Debit card available 
  • Free check safekeeping (printed images available for $5/mo or free on Internet Banking)
  • Free online check imaging
  • No-fee ATM access at Privileged Status networks
  • Free 24-hour PhoneBank
  • Overdraft Privilege**
  • Unlimited check writing
  • Free Internet Banking/Bill Pay*
  • Debit card available
  • Free check safekeeping (printed images available for $5/mo or free on Internet Banking)
  • Free online check imaging
  • No-fee ATM access at Privileged Status networks
  • Free 24-hour PhoneBank
  • Overdraft Privilege**
  • Same as Interest Checking PLUS:

  • Debit Card - monthly fee waived
  • 2 boxes free bank checks per year
  • Initial travel card - purchase fee waived
  • Free retirement income and estate planning
  • Visa Gift Cards - purchase fee waived 
  • Travel opportunities
  • Overdraft Privilege**
  • Unlimited check writing
  • Free Internet Banking/Bill Pay*
  • Debit Card - monthly fee waived
  • No per-item charges
  • Free check safekeeping (printed images available for $5/mo or free on Internet Banking)
  • Free online check imaging
  • No-fee ATM access at Privileged Status networks
  • Free 24-hour PhoneBank
  • 1 box of free bank checks
  • Free gift from City State Bank at time of account opening
  • Overdraft Privilege**
  • Unlimited check writing
  • Free Internet Banking/Bill Pay*
  • Debit Card - monthly fee waived 
  • 1 box of free bank checks per year
  • Free online check imaging
  • No-fee ATM access at Privileged Status networks
  • Free 24-hour PhoneBank
  • Overdraft Privilege**
  •  
    * Fee may be assessed for same day payment
    ** Subject to bank discretion. Overdraft charge of $27 per item imposed for overdrafts created by checks, in-person withdrawals, ACH, Point-of-Sale, ATM withdrawals, or by other electronic means. Payment of your overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. Overdraft Privilege balances must be paid within 30 days. The bank has the right to require payment to bring the amount current immediately after an overdraft.
    Visa Travel and Visa gift cards are not FDIC Insured