Online Banking

Trust & Investments

Select to login, page will open automatically

Home Personal Checking

Checking

Don’t be forced into the boxed checking options most banks offer! At City State Bank, our different checking accounts have been designed to meet a variety of different needs and lifestyles.

  • Text Size:
  • A
  • A
  • A
  • Back to Top

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

Spirit Checking

Interest Checking

Interest Checking

50+ Platinum Checking

50+ Platinum Checking

Student 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

  • 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**

* 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

 

Back to Top