A friendly group of women shopping near racks of clothes.

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 Checking with Direct Deposit Personal Checking Simple Checking Free Student Checking3 Senior Advantage Checking Advantage Plus Checking Interest Checking
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 an 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.
Minimum Balance $0 $250 $0 $0 $0 $0
(Linked account required)
Service Fee
$12 per statement cycle if minimum balance not maintained $5 per statement cycle

$12 per statement cycle if linked savings balance not maintained $12 per statement cycle if minimum balance not maintained
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 receiving retirement income $2,500 in linked Savings, Super Saver, Eagle Money Market or CD.
Earns Interest

Free Electronic Transfers First 6 free per statement cycle4 First 6 free per statement cycle4 First 6 free per statement cycle4 First 6 free per statement cycle4 First 6 free per statement cycle4 First 6 free per statement cycle4 First 6 free per statement cycle4
Free Checks

1st order 1st order Vault-Image
Unlimited Check Writing
Additional Benefits

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 $2.00 per electronic transfer (online, telephone, or pre-authorized) to a checking account after 6 per statement cycle.

5 $3.00 fee for instant transfers.

WSB Contactless 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!