Personal Checking Accounts

Cash Rewards Checking Interest Rewards Checking Online Rewards Checking
Promotion Get $300! Get $300! None
Monthly Service Fee $0 Always a Free Account!
$0 Always a Free Account!
$9.95
Rewards Earn up to $20 month Cash Rewards for signature debit card purchases!
2.48% APY* up to $10,000
See complete rate info here.
Nationwide ATM fee refunds* (up to $15 per month)
Rewards require monthly qualifications, otherwise just a free account.
Earn up to $20 month Cash Rewards for signature debit card purchases!
ATM Access Free at WSB locations  Nationwide surcharge free access to 50,000+ Allpoint ATM locations Nationwide ATM fee refunds* (up to $15 per month) Free at WSB locations  Nationwide surcharge free access to 50,000+ Allpoint ATM locations
Overdraft Fee $30 $30 $25
eStatements Free Free Required
Non WSB ATM Fee $1.25 after 3 per month Free $1.25 after 3 per month
Online Banking Free Free Free
Mobile Banking with Check Deposit Free Free Free
Debit Card Free instant issue debit card Free instant issue debit card               
Free instant issue debit card
Minimum Deposit to Open $10 $10 $10
Direct Deposit Not required Not required Required**
ChexSystems® Requirements No fraud or prior losses No fraud or prior losses No fraud and limited prior losses
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* Interest Rewards high interest and ATM refunds require monthly qualifications of estatements, at least one ACH (deposit or withdrawal), and at least 12 debit card transactions (post and clear).

** Online Rewards Checking requires direct deposit from a payroll or government source at least monthly.