Personal Checking Accounts
Our checking accounts are designed with you in mind. No matter what account you choose, you'll have access to first-in-class online banking tools including online/mobile banking, e-statements, mobile deposit, credit score monitoring, bill pay, and Zelle. Pick the account that suits your needs. Click below to begin the account opening process now.
Online Account Opening Accounts Brochure
Ultimate Checking
Waumandee State Bank's Ultimate Checking is our most straightforward and accessible checking account. With only a fifty dollar minimum deposit to open, and access to all the latest electronic banking tools, it's a great fit for nearly all customers. Ultimate Checking is the essence of simplicity, featuring:
No minimum balanceNo monthly maintenance or "junk" fees
Choice of paper or electronic statements
Low cost paper checks
Debit cards with no annual fees*
*Debit card issuance subject to credit approval
Health Savings Account
Navigating the health insurance industry can prove to be a complicated endeavor. A Health Savings Account can help ease the financial burdens that modern medical care can impose. HSA’s are interest bearing checking accounts used in combination with a High Deductible Healthcare Plan (HDHP). Be sure to consult your tax advisor prior to opening one so you understand all of the options and restrictions you may have should you open one. Your unique circumstances will determine if this account is right for you or not. Contact a Personal Banker at any of our eight locations to get started.
Personal NOW Checking
If you keep a higher balance in your checking account and want to earn interest while retaining the ability to write checks or use a debit card, one of our Personal NOW Checking accounts might be right for you. Minimum balance and transaction limits apply. Contact one of our Personal Bankers today for more complete account details.
Money Market
Keeping a higher balance in your checking or savings account? Wish you could earn more interest? Our Money Market account may suit your needs. Our Money Market offers tiered interest rates, with higher balances leading to a higher rate / APY. These accounts offer a great alternative to folks who want to earn more interest while still retaining easy access to their funds. Minimum balance and transaction limits apply. Contact one of our Personal Bankers today for more complete account details.
Compare Our Checking Options
| Account Type | Ultimate Checking | Personal Checking | Personal NOW Checking | Super NOW Checking | Personal Money Market |
|---|---|---|---|---|---|
Minimum to Open Account | $50.00 | $100.00 | $900.00 | $2,500.00 | $2,500.00 |
Interest Earned** | No | No | Yes | Yes | Yes |
Minimum Daily Balance* to Obtain APY | N/A | N/A | $0.01 | $0.01 | $0.01 |
Transaction Limits | N/A | Service Charge Fee of $4.00 and $0.10 per debit item if balance falls below $100.00. | Service Charge Fee of $7.00 and $0.10 per debit in excess of 25 items if balance of the account falls below $900.00. | Service Charge Fee of $9.00 and $0.10 per debit in excess of 25 items if balance of the account falls below $2,500.00. | Contact us for complete transaction limits |
** If you close your account before interest is credited, you will not receive the accrued interest.