Personal Checking Accounts

Checking Accounts that Fit Your Needs.

Checking Accounts that Fit Your Needs

Waukesha State Bank offers a variety of checking account options - one of which will fit your needs perfectly. Below you will find the account that gives you everyday convenience while saving you time and money.

All of our Personal Checking Accounts feature:

FREE access at Waukesha State Bank ATMs using your Waukesha State Bank Debit Mastercard®
No ATM surcharge at ATM Access terminals throughout Wisconsin ¹
FREE Online Banking
FREE Mobile Banking & Mobile Deposit
FREE Online Bill Pay with Paperless Statements ²
FREE Point-of-Sale debit transactions
$100 minimum to open

Order Checks

Scroll to the left to view the rest of the table.

Listed below are all of our checking account options.
Items	Free Checking with Direct Deposit	Personal Checking	Simple Checking	Free Student Checking ³	Senior Advantage Checking	Advantage Plus Checking	Interest Checking	Value Added Checking Plus
Best Fit For	People who want a basic account with no minimum balance or monthly service fee.	People who want a basic account but don't have a direct deposit.	People who write 15 or fewer checks per statement cycle.	Students under age 26.	Senior citizens receiving a retirement income.	People looking for added value from a checking and savings account partnership.	Those who want to earn interest and have a higher balance to offset the monthly service fee.	People wanting a club account with an extensive array of benefits.
Minimum Balance to Avoid Service Fee	$0	$250	$0	$0	$0	$0 (Linked account required)	$1,000	$0
Service Fee if Minimum Balance Not Maintained		$12 per statement cycle					$12 per statement cycle
Other Fees			$5 per statement cycle			$12 per statement cycle (if linked account balance not maintained)		$12 per statement cycle
Earns Interest						√	√
Other Requirements, Restrictions, or Notes	One direct deposit per statement cycle (or will convert to a Personal Checking account)		15 checks per statement cycle ($0.25 per check thereafter)	For students under age 26. Parent/guardian required as joint owner if student is under age 16.	Must be 55 years or older and be receiving retirement income.	$2,500 in linked Savings, Super Saver, Eagle Money Market, or CD
Free Checks				1st order	1st order	Vault-Image		Vault-Image
Unlimited Check Writing	√	√		√	√	√	√	√
Additional Benefits				ADDITIONAL BENEFITS TO FREE STUDENT CHECKING		ADDITIONAL BENEFITS TO ADVANTAGE PLUS CHECKING		ADDITIONAL BENEFITS TO VALUE ADDED CHECKING PLUS

¹ Whether or not an ATM has a surcharge, normal fees still apply as follows: A $2 transaction fee will apply at all non-Waukesha State Bank ATMs unless any one of the following conditions are met: 1) you are an Advantage Plus or Student Checking account owner, 2) you maintain a minimum balance of $2,500 or more during the checking account monthly statement cycle or savings service charge cycle (calendar month), 3) the transaction is a deposit, transfer or balance inquiry.

² Checking accounts other than Advantage Plus or Value Added Checking Plus pay a fee for Online Bill Pay if they receive Paper Statements. For Advantage Plus, Value Added Checking Plus and other checking accounts with Paperless Statements, a monthly inactivity fee will apply after 60 days of non-use.

³ Terms and fees are subject to change at any time. Free accounts may be subject to fees such as ATM, early closing, overdraft and bill pay services.

⁴ Mastercard gift card is issued by MetaBank®, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated.

View our account terms and conditions.

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