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Personal Checking Accounts

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:


Listed below are all of our checking account options.




 Free
Checking3		 Free Student
Checking3		 Advantage Plus Checking Value Added Checking
Best Fit For: People who want an account with no minimum balance or monthly service fee. Students under age 26. People looking for an added value from a checking and savings account partnership. People wanting a club account with an extensive array of benefits.
Minimum Balance to Avoid a Service Fee None None
$1,000 in Checking, or
$2,500 in linked Savings, CD or Money Market
 None
Service Fee None None None if minimum balance is maintained, otherwise $12 per statement cycle $7 per statement cycle
Other Requirements Restrictions or Notes None For students under age 26. Parent/ guardian required as joint owner if student is under age 16. None For personal accounts only. Entities and Trusts are not eligible.
Earns Interest No No Yes No
Additional Benefits None
  • Free 1st order of vault-image checks
  • Free ATM transactions (Terminal surcharge may still apply)
  • Free vault-image checks
  • Free Cashiers Checks & Money Orders
  • No purchase fee for Mastercard gift cards4
  • Free ATM transactions (Terminal surcharge may still apply)
  • Reduced consumer loan rates
  • Overdraft Auto Transfer fee set-up waived
  • PRA annual fee waived
  • Free 1st year Safe Deposit Box rental with auto charge
  • Free statement check images
  • Free vault-image checks
  • Free Cashiers Checks & Money Orders
  • No purchase fee for Mastercard gift cards4
  • Value Added Checking perks
    (see brochure)5
 
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 Free for Free Checking if enrolled in Paperless Statements, otherwise a $5.95 monthly fee applies. Student Checking, Advantage Plus Checking and Value Added Checking are always free.

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 Pathward, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. 
 
5 Only owners of the Value Added Checking account may claim benefits. Signers who are not also owners of the account are not eligible.

What to bring with you:

We offer multiple identification options to help make opening an account simple and convenient.
 
Acceptable forms of ID may include:
  • Driver's license or state-issued ID
  • U.S. or foreign passport
  • Permanent Resident Card
  • U.S. visa
  • Military ID
  • Student or employee photo ID
  • Matricular Consular Card
  • Other supporting documentation as needed
Don't see your identification listed? Please reach out to our team. We're committed to making account opening accessible and are happy to review your options.
 
You may also be asked to provide proof of your current address, such as:
  • Utility bill
  • Lease or mortgage document
  • Government or financial institution correspondence
  • Insurance, tax, or payroll documents
Additional residency verification options may be available. Please contact us or visit a branch for assistance.
 
Requirements may vary depending on the account type and individual situation.

Interested?



Click here for information on understanding overdrafts.
debit card

Debit Mastercard®: The quick, safe way to pay for purchases!

Using your Debit Mastercard is the perfect way to pay at a variety of places, like gas stations, grocery stores, restaurants... and more!