MENU Personal Checking SEE CURRENT RATES We offer a variety of checking accounts to suit your needs. Our friendly and knowledgeable new accounts staff will be happy to assist you in finding the checking account that best suits your needs. NOW Account Interest Bearing Account With a Now account, you earn interest on all money in your checking account. Interest is paid at a variable interest rate based on the collected balance in the account. There is no service charge if $750 is maintained in this account or $10,000 or more is maintained in other deposit accounts or certificates of deposit. Free e-statements are available with the NOW Account. E-statements are available in two ways - either delivered directly to your email account or accessed through Internet Banking. Paper statements are also available for $1.50 per month. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer. Minimum Balance Monthly Charge Interest Paid $0 - $749 $8 Variable Rate $750 & Above No Charge Variable Rate Money Market Account Interest Bearing Account This account pays attractive interest rates with a variable interest rate based on the collected balance in the account. Plus, the account earns increased interest rates with balances of $25,000, $100,000, $250,000, $500,000 and above. There is a limit of six withdrawals either by check or automatic withdrawal per statement cycle. However, over-the-counter withdrawals are unlimited with this type of account. Free paper statements are available with this account. Free e-statements are also available in two ways - either delivered directly to your email account or accessed through Internet Banking. Minimum Balance Monthly Charge Interest Paid $0 - $4,999 $8 Variable Rate $5,000 & Above No Charge Variable Rate Free Checking Account There is no minimum balance requirement with a Free Checking account and there is no limit on the number of checks that can be written. A Free Checking account is available for any personal or joint account, as well as any club or organization. Free e-statements are available with this account in two ways - either delivered directly to your email account or accessed through Internet Banking. A paper statement is $5.00 per month. There is no overdraft protection available with this type of account. Smart Saver Account The Smart Saver is a low-cost account with a flexible minimum balance. There is no service charge if a balance of $600 is maintained in this account, other deposit accounts or certificates of deposit. There is also no service charge for depositors 62 years of age or older upon notification. Free e-statements are available with this account in two ways - either delivered directly to your email account or accessed through Internet Banking. A paper statement is $5.00 per month. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer. Minimum Balance Monthly Charge $600 & Above $0.00 $0 - $599 $8.00 Classic Value Club Account Club benefits include accidental death and dismemberment insurance coverage, free personalized club checks, a free notary service, and a 50% discount on a small safe deposit box. Automatic overdraft protection is available with this type of account. Each of the three family plans includes $2,500 coverage for children. Free paper statements are available with this account. Free e-statements are also available in two ways - either delivered directly to your email account or accessed through Internet Banking. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer. Accidental Death & Dismemberment Insurance Level Monthly Charge Basic I - $10,000 $8.00 Basic II - $20,000 $9.00 Family I - $30,000 $10.00 Family II - $40,000 $11.00 Family III - $50,000 $12.00 Now/Classic Value Club Account Interest Bearing Account This type of account combines the benefits of the Classic Value Club with the interest-earning component of a Now account. You can pick which insurance level is best for you with the Classic Value Club, then earn interest as well. If the minimum balance of $750 is not maintained, a $8.00 service charge, in addition to the monthly club charge will apply. Free paper statements are available with this account. Free e-statements are also available in two ways -- either delivered directly to your email account or accessed through Internet Banking. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer. Accidental Death & Dismemberment Insurance Level Monthly Charge Basic I - $10,000 $8.00 Basic II - $20,000 $9.00 Family I - $30,000 $10.00 Family II - $40,000 $11.00 Family III - $50,000 $12.00 Find Us Call Us Email Us Like Us Tools & Resources Credit Report Legal Notice Privacy Notice Report a Lost or Stolen Card About Us Contact Us Staff History Locations & Hours Copyright © 2021 Waukon State Bank. All rights reserved. Member FDIC. Equal Housing Lender. Member FDIC Equal Housing Lender BACK TO TOP