Select the Account that Fits Your Lifestyle
From students and young adults to families, there’s a checking account for everyone at City State Bank. Compare the benefits of all of our innovative checking accounts below. If you have a question, you can reach out to our Personal Bankers.
Ready to open your checking account? Stop by any City State Bank office today to get started!
Checking Account Comparison
Spirit Checking |
Interest Checking |
50+ Platinum Checking |
Student Checking | |
|---|---|---|---|---|
Amount Required to Open Account | $100 | $1,000 | $5,000 + Requires at least one monthly direct deposit | $50 |
Account Description | If you want low cost with lots of benefits, choose this account! | If earning interest on your balance is important, Interest Checking is the account for you. | If you’re 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! |
Minimum Daily Balance for No Minimum Balance Fee | None | $1,000 | $5,000 | None |
Minimum Balance Fee | None | $6 + $0.20 per debit item fee if daily balance falls below $1,000 | $6 + $0.20 per debit item fee if daily balance falls below $5,000 | None |
Interest Paid? | No | Yes, $1,000 Minimum Daily Balance | Yes, $5,000 Minimum Daily Balance | No |
Special Features |
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| Same as Interest Checking PLUS:
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* 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