Personal Checking

Find the Perfect Checking Account for Your Needs

At Waukon State Bank, we offer a variety of personal checking accounts designed to meet your unique financial needs. Whether you're looking for a basic account with no fees or an interest-bearing account, we have the right option for you. Explore our checking account options below and find the perfect fit for your lifestyle.

NOW Account

With a NOW account, you earn interest on all money in your checking account. Interest is paid at a variable rate based on the collected balance in the account. There is no service charge if you maintain a balance of $750 or $10,000 in other deposit accounts or certificates of deposit. Free e-statements are available with the NOW Account, accessed through Internet Banking. Paper statements are also available for $1.50 per month. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer.

Money Market Account

This account pays attractive interest rates with a variable interest rate based on the collected balance in the account. The account earns increased interest rates with balances of $25,000, $100,000, $250,000, $500,000, and above. Free paper statements are available with this account, and free e-statements can be accessed through Internet Banking.

Smart Saver Account

The Smart Saver is a low-cost account with a flexible minimum balance. There is no service charge if a balance of $600 is maintained in this account, other deposit accounts, or certificates of deposit. There is also no service charge for depositors 62 years of age or older upon notification. Free e-statements are available and can be accessed through Internet Banking. A paper statement is $5.00 per month. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer.

Classic Value Club Account

Club benefits include accidental death and dismemberment insurance coverage, free personalized club checks, a free notary service, and a 50% discount on a small safe deposit box. Automatic overdraft protection is available with this type of account. Each of the three family plans includes $2,500 coverage for children. Free paper statements are available with this account, and free e-statements can be accessed through Internet Banking. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer.

Now/Classic Value Club Account

Combine the benefits of the Classic Value Club with the interest-earning component of a NOW account. Choose the insurance level that best suits your needs with the Classic Value Club, and enjoy earning interest as well.

If the minimum balance of $750 is not maintained, an $8.00 service charge, in addition to the monthly club charge, will apply. Free paper statements are available with this account. Free e-statements are also available and can be accessed through Internet Banking. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer.