Personal Checking Accounts

Cash Rewards Checking Interest Rewards Checking Rewards Card Checking
Monthly Service Fee $0 $0 $9.95
Rewards Cash back on debit card purchases High Interest* Cash back on debit card purchases!
ATM Access Free at WSB locations
Nationwide surcharge free access to 50,000+ Allpoint and SUM ATM locations
Nationwide ATM fee refunds* 
(up to $15 per month)
Free at WSB locations
Nationwide surcharge free access to 50,000+ Allpoint and SUM ATM locations
Overdraft Fee $25 $25 $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 regular debit card, plus free designer card upgrade. Free standard design debit card, plus free photo card upgrade. Free standard design debit card. Option for designer card upgrade
Minimum Deposit to Open $10 $10 $0
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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*When you meet qualifications each monthly qualification cycle.

**Direct deposit is required from a payroll or government deposit at least monthly.